FlowTracker Analytics
FlowTracker Analytics provides SaaS-based deposit behavior analytics through its DEPOSIT EDGE platform, serving credit unions and community banks with patented customer-level money flow analysis to optimize deposit pricing and reduce cost of funds.
- Company typePrivate
- Founded2017
- HeadquartersToronto, Canada
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What FlowTracker Analytics does
FlowTracker Analytics provides deposit growth analytics for credit unions and community banks through its DEPOSIT EDGE SaaS platform. The company was founded by Boris Masip and Dave McNab, with McNab creating and patenting the underlying 'Customer Flow of Funds' method, an analytic algorithm that reconstructs customer-level money flows (new money, lost money, product substitution, cannibalization) from static balance data that core banking systems do not natively capture. The platform comprises an Executive Dashboard, Portfolio Change Analysis, and an Analytics Workbench for account-level deep dives, supported by a Knowledge Transfer Training service and supplementary free tools (Credit Union KPI Benchmarks, Deposit Strategy Framework). The company is incorporated in the United States as FlowTracker Analytics Inc. with corporate headquarters in Toronto, Canada, and operates with 1-10 employees.
The business operates on a quote-based annual subscription model for DEPOSIT EDGE, complemented by professional services revenue from training and advisory engagements and a short-term trial program at nominal cost using customer data. Go-to-market is multi-motion: enterprise field sales for large credit unions and banks, inside sales with self-serve trial for mid-market institutions, and event-driven content marketing through webinars, white papers, and partnerships with industry organizations including Trellance, Financial Managers Society, and Corepoint. The company targets Finance and ALCO teams for pricing and liquidity decisions, as well as Marketing and Sales teams for growth campaigns, with documented client outcomes including 10-20 basis points of cost-of-funds reduction and double-digit improvements in retention and ROMI.
FlowTracker Analytics firmographics
Firmographics- Name
- FlowTracker Analytics
- Legal name
- FlowTracker Analytics Inc.
- Website
- https://flowtrackeranalytics.com
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- FlowTracker Analytics provides SaaS-based deposit behavior analytics through its DEPOSIT EDGE platform, serving credit unions and community banks with patented customer-level money flow analysis to optimize deposit pricing and reduce cost of funds.
- Ownership category
- akta.pro rank
FlowTracker Analytics industry classification
Industry- Product category
- Deposit Analytics Software
- NAICS
- Activities Related to Credit Intermediation (5223), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Transaction Analytics & Cash-Flow Insights (risk signals, forecasting) (FSAGACAG)
- akta.pro secondary industry
- Cash Forecasting, Reconciliation & Liquidity Tools (FSAMAOAH)
Keywords
Where FlowTracker Analytics is headquartered
LocationHeadquarters
- HQ city
- Toronto
- HQ country
- Canada
- HQ region
- North America
Offices1 record
Markets served
FlowTracker Analytics business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations
Revenue model
- DEPOSIT EDGE SaaS Subscription: Analytics as a Service subscription providing access to the DEPOSIT EDGE platform including patented deposit behavior analytics, dashboards, portfolio analysis tools, and reporting capabilities. Delivered as cloud-based SaaS with implementation and ongoing support included.
- Expert Advice, Training & Support: Knowledge transfer and training services delivered through structured interactive sessions by deposit analysis subject matter experts. Includes expert advice and ongoing support to help clients realize tangible business value from deposit analysis insights.
- Trial Program: Short-term trial engagements using customer's own data, completed in approximately 6 weeks at nominal cost, designed to demonstrate value and facilitate conversion to full subscription.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Enterprise subscription with full platform access |
| Subscription | Pay-as-you-go | Trial program for prospective customers |
Go-to-market motion3 records
Distribution channels3 records
Marketing channels6 records
FlowTracker Analytics product offering
Product offeringCore offering
FlowTracker Analytics provides a SaaS-based deposit behavior analytics platform (DEPOSIT EDGE) that uses a patented algorithm to reconstruct customer-level money flows from static balance data. The solution enables credit unions and community banks to measure deposit cannibalization, identify money-at-risk behavior, optimize deposit pricing, and improve retention. Implementation is supported by expert training, knowledge transfer, and ongoing advisory services.
Product overview
FlowTracker Analytics offers a unified SaaS platform centered around the DEPOSIT EDGE product, a patented deposit behavior analytics solution designed for credit unions and banks. The core DEPOSIT EDGE platform includes Executive Dashboard, Portfolio Change Analysis, and Analytics Workbench modules that work together to convert balance data into customer-level behavioral signals. The company also provides complementary offerings including Knowledge Transfer Training services and a Credit Union KPI Benchmarks tool. The Deposit Strategy Framework template is available as a free resource. All offerings are designed to enable Active Deposit Management by providing actionable insights into depositor behavior, money flows, and portfolio dynamics.
Differentiator
Problem solved
Functional benefit
Brands
- DEPOSIT EDGE: Patented deposit behavior analytics SaaS solution for credit unions and banks that provides customer-level insights into money flows, pricing optimization, and deposit management.
Products and services
- DEPOSIT EDGE SaaS-based deposit behavior analytics solution that delivers customer-level insights into money flows, enabling credit unions and banks to optimize deposit pricing, reduce cannibalization, and improve retention through patented analytics.
- Expert Advice, Training & Support (Knowledge Transfer) Professional services engagement in which FlowTracker subject matter experts deliver structured interactive training sessions, expert advice, and ongoing support so credit union and bank teams can operationalize insights from DEPOSIT EDGE.
Quantifiable outcome
- Reduce cost of funds by 10-20 basis points
- +8 more outcomes
Companies that use FlowTracker Analytics
Customer profileNamed customers8 records
Segments4 records
Ideal customer profiles2 records
FlowTracker Analytics technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature7 records
FlowTracker Analytics partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- TrellancecoreCo-sponsorship and collaboration on webinar content for credit union analytics adoption. Trellance partnered with FlowTracker to deliver the Successfully Adopting Analytics at Your Credit Union webinar featuring expert panelists from credit unions.
- Financial Managers SocietycoreResearch partnership to conduct industry research into Sales Measurement and Management practices in Banks and Credit Unions. FlowTracker Analytics and FMS partnered to sponsor research and publish findings on sales, attrition and cross-selling metrics.
Scale indicators6 records
Recent moves6 records
Expansion highlights4 records
FlowTracker Analytics competitors and assessment
Company assessmentDirect peers
- MX Technologies: MX provides financial-data aggregation, transaction analytics, and cash-flow insights to banks and credit unions. Like FlowTracker, it converts raw transaction data into customer-level behavioral signals used for risk, retention, and product decisions, making it the closest direct peer in transaction analytics for FIs.
- Yodlee (Envestnet): Yodlee aggregates bank and credit-card transaction data to deliver cash-flow, spending, and risk analytics to financial institutions and fintechs. It is directly comparable to FlowTracker's transaction-analytics infrastructure for FIs, with overlapping customers in retail banking and lending.
- Finicity (Mastercard): Finicity (now part of Mastercard Open Banking) provides financial-data aggregation, transaction analytics, and cash-flow underwriting tools for banks, lenders, and fintechs. Like FlowTracker, it turns raw transaction data into customer-level insights used by FIs for risk and product decisions.
Broad incumbents
- Plaid: Plaid is the dominant open-banking and financial-data-aggregation platform connecting bank accounts to applications. It addresses the same customer-level data layer that FlowTracker builds on, but at much greater scale and breadth across fintech and FI use cases.
- Alkami Technology: Alkami provides a digital-banking and data-analytics platform built specifically for U.S. credit unions and community banks. Its analytics suite increasingly overlaps with FlowTracker's deposit-insights use case, positioning it as a broader incumbent that could bundle deposit analytics natively.
- nCino: nCino offers a cloud banking platform with deposit, lending, and analytics capabilities for financial institutions, including credit unions. While focused on commercial banking, its analytics and customer-insight features overlap with FlowTracker's deposit-behavior analytics positioning.
- Jack Henry & Associates: Jack Henry is a major core-banking and data-analytics technology provider to community banks and credit unions. Its data-warehouse and analytics offerings compete broadly with FlowTracker's deposit analytics in the same customer segment, even though Jack Henry spans a much wider product portfolio.
- Finastra: Finastra provides a broad suite of banking software including core, lending, treasury, and analytics modules used by banks and credit unions globally. Its analytics and treasury-management products overlap with FlowTracker's deposit and liquidity analytics positioning within large FI deployments.
Emerging players
- Q2 PrecisionLender: PrecisionLender (now part of Q2) provides relationship-based pricing and profitability analytics for commercial banks. It serves a similar financial-institution buyer (ALCO/Finance teams) and shares FlowTracker's pricing-decision and money-flow analytics use case, though focused on commercial lending rather than deposits.
Regional players
- Trellance: Trellance is a credit-union-focused CUSO providing data analytics, consulting, and technology partnerships. It is an existing FlowTracker partner and competes in adjacent credit-union analytics and advisory services, with overlapping customer bases and GTM channels.
Market position
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
FlowTracker Analytics social profiles
Digital presenceFlowTracker Analytics financial estimates
Financial estimateRevenue estimate
Valuation estimate
FlowTracker Analytics leadership team
Management profileNumber of profiles
Profiles3 records
FlowTracker Analytics funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
FlowTracker Analytics M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about FlowTracker Analytics
What does FlowTracker Analytics do?
FlowTracker Analytics provides a SaaS-based deposit behavior analytics platform (DEPOSIT EDGE) that uses a patented algorithm to reconstruct customer-level money flows from static balance data. The solution enables credit unions and community banks to measure deposit cannibalization, identify money-at-risk behavior, optimize deposit pricing, and improve retention. Implementation is supported by expert training, knowledge transfer, and ongoing advisory services.
Is FlowTracker Analytics a public or private company?
FlowTracker Analytics is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was FlowTracker Analytics founded?
FlowTracker Analytics was founded in 2017. It employs 1 to 10 people.
Where is FlowTracker Analytics based?
FlowTracker Analytics is headquartered in Toronto, Canada, in the North America region.
How does FlowTracker Analytics make money?
Three revenue lines are on record. DEPOSIT EDGE SaaS Subscription is the primary driver. The others are expert Advice, Training & Support and trial Program.
Who are FlowTracker Analytics's main competitors?
Direct peers on record are MX Technologies, Yodlee (Envestnet) and Finicity (Mastercard). Broad incumbents are Plaid, Alkami Technology, nCino, Jack Henry & Associates and Finastra. Q2 PrecisionLender is listed as an emerging player. Trellance is listed as a regional player.
Does FlowTracker Analytics have an API?
No public API is recorded for FlowTracker Analytics.
What industry is FlowTracker Analytics in?
FlowTracker Analytics's product category is Deposit Analytics Software. Its primary akta.pro industry code is FSAGACAG, Transaction Analytics & Cash-Flow Insights (risk signals, forecasting), with a secondary code of FSAMAOAH, Cash Forecasting, Reconciliation & Liquidity Tools. Its NAICS code is 5223 and its SIC code is 6199.