What BCC Lodi does

BCC Lodi s.c. (Banca di Credito Cooperativo Lodi s.c.) is an Italian cooperative bank founded in 1909 and headquartered in Lodi, operating as an affiliated member of Gruppo Cassa Centrale Banca Credito Cooperativo Italiano S.p.A. The bank serves retail individuals, small and medium enterprises, cooperative members (soci), and agribusinesses within the Lodi territory through a physical branch network and the InBank digital banking platform, offering accounts, payment cards, personal loans under the Prestipay brand (online, personal, fast, green, and salary-assignment variants), green mortgages (Mutuo Next Green), NEF mutual funds and capital accumulation plans (PAC), and insurance products (AsSìHome, AsSìCredit, AsSìLegal, AsSìFuture) distributed via Assicura Agenzia and Gruppo Assimoco.

The bank's underlying technology comprises the cooperative banking platform integrated with Cassa Centrale Banca group systems, the InBank digital banking platform, electronic signature infrastructure (FEA grafometric and OTP variants), PSD2 open banking APIs, and SEPA payment rails including the Verification of Payee (VOP) service activated October 2025. Distribution combines branch-based relationship banking with self-serve digital channels including online loan origination (prestipay.it), mobile payments via BANCOMAT, and direct trading through the Directa SIM partnership. The bank participates in EUR.BANK, a BANCOMAT-led euro stablecoin project announced June 2026, and runs financial education programs (A Buon Rendere) and cybersecurity awareness campaigns (I Navigati – Informati e Sicuri).

BCC Lodi generates revenue through traditional banking mechanics: net interest income from lending activities, fee and commission income from account servicing, payment services, and cards, and distribution fees from third-party investment funds (NEF/NEAM plus a wide roster including Amundi, BlackRock, Fidelity, Schroders) and insurance products (Gruppo Assimoco via Assicura Agenzia). Pricing is not publicly disclosed; customers are directed to branches for personalized quotes. The cooperative ownership model, ESG commitments (green mortgage, green loans, ethical mutual funds), and participation in Gruppo Cassa Centrale Banca's shared capabilities define its market positioning as a local relationship bank with group-level technological scale.

Name

BCC Lodi

Legal name

Banca di Credito Cooperativo Lodi s.c.

Website

https://bcclodi.it

Company type

Private

Founded year

1909

Operating status

Operating

Headcount range

51–100 employees

Short description

BCC Lodi is an Italian cooperative bank headquartered in Lodi, affiliated with Gruppo Cassa Centrale Banca, serving retail, SME, agricultural, and cooperative-member customers in its local territory through a branch network and InBank digital platform with full-service lending, investment, and insurance offerings.

Ownership category

akta.pro rank

Product category

Cooperative Retail Banking

NAICS

Depository Credit Intermediation (5221), Credit Unions (52213), Savings Institutions and Other Depository Credit Intermediation (52218)

SIC

Savings Institution, Federally Chartered (6035)

akta.pro primary industry

Deposit Operations (Account Maintenance, Fees, Reconciliations) (FSABALAE)

akta.pro secondary industry

Direct-to-Consumer (D2C) Personal Lending Platforms (Unsecured Installment) (FSAKAAAK)

Keywords

• Cooperative banking services
• Personal loan products
• Retail mortgage lending
• Mutual fund distribution
• Digital banking platform

Headquarters

HQ city

Lodi

HQ country

Italy

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

1. Interest Income: Traditional banking interest income from lending activities including mortgages (Mutuo Next Green), personal loans (Prestipay), and other credit facilities extended to retail and business customers.
2. Fee and Commission Income: Fees from account management, payment services, card operations, investment product distribution (funds, insurance), and other banking services.
3. Investment Product Distribution: Distribution of investment products including NEF mutual funds, PAC (Piani di Accumulo Capitale), other third-party funds (Amundi, BlackRock, BNP Paribas, Etica SGR, Fidelity, Franklin Templeton, Invesco, JPM, Pictet, Raiffeisen, Schroders, Union Investment), wealth management services, and insurance products (AsSìHome, AsSìCredit, AsSìLegal, AsSìFuture).
4. Insurance Products Distribution: Distribution of insurance products created by Gruppo Assimoco and intermediated by Assicura Agenzia, including property, credit protection, legal protection, and income protection policies.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

BCC Lodi is a cooperative bank (Banca di Credito Cooperativo) that provides retail and small-business banking services, including current and savings accounts, personal loans (Prestipay brand with variants for online, personal, fast, green, and salary/pension-backed loans), mortgages (Mutuo Next Green), credit cards, investment products (NEF mutual funds and PAC capital accumulation plans), pension planning, and insurance products (home, credit protection, legal, and income protection). Services are delivered through a physical branch network in the Lodi territory complemented by the InBank digital banking platform, supporting both in-person relationship banking and online/mobile account management with electronic signature capabilities.

Product overview

BCC Lodi s.c. is a cooperative bank (Banca di Credito Cooperativo) affiliated with Gruppo Cassa Centrale Banca. The bank offers a comprehensive suite of financial products and services through both physical branches and digital channels (Inbank). Core offerings include: current accounts and deposits, personal loans through the Prestipay brand (with variants including Prestito Online, Prestito Personale, Prestito Fast, Prestito Green, and Prestipay Five), credit cards, investment products including NEF mutual funds with PAC (Piano di Accumulo Capitale) savings plans, insurance products (AsSìHome, AsSìCredit, AsSìLegal, AsSìFuture), and supplementary services such as POS terminals, agribusiness financing, and long-term vehicle rental through Claris Rent. The bank also distributes third-party investment products including Directa SIM for trading services.

Differentiator

Problem solved

Functional benefit

Brands

• LausOrgan: Cooperativa/association for members of the bank
• Inbank
• Prestipay

Products and services

• Current and Savings Accounts (Conti)

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature5 records

Partnerships

Twelve partnerships are on record, tiered core and minor.

• Cassa Centrale Banca - GruppocoreStrategic or Co-development PartnerBCC Lodi is an affiliated bank member of Gruppo Cassa Centrale Banca Credito Cooperativo Italiano S.p.A. The parent group provides technology platforms (InBank), product development (Prestipay brand), marketing campaigns, financial education programs (A Buon Rendere), and operational support. BCC Lodi operates autonomously in its territory while benefiting from group scale and capabilities. The group was awarded 'Piattaforma tecnologica dell'anno' at Citywire Wealth Awards 2026.
• InBankcoreTechnology or IntegrationInBank is the digital banking platform of Gruppo Cassa Centrale used by BCC Lodi customers. It provides online and mobile banking access including account management, document consultation, and electronic signature integration. Available at inbank.it with a dedicated assistance line (800 837 455).
• Prestipay S.p.A.coreTechnology or IntegrationPrestipay is a brand of Cassa Centrale Banca providing personal loan products (Prestito Online, Prestito Personale, Prestito Fast, Prestito Green, Prestito Five/ cessione del quinto) distributed by BCC Lodi branches and through the prestipay.it online channel. Products include promotional offers such as 'Taglia la Rata' and 'Taglia il Tasso'.
• Assicura Agenzia / Gruppo AssimococoreChannel Partner/ Reseller/ DistributorAssicura Agenzia distributes insurance products created by Gruppo Assimoco including AsSìHome (multi-risk home insurance with RC), AsSìCredit (credit protection), AsSìLegal (legal protection), and AsSìFuture (income protection). Products are available through BCC Lodi branches with information at assicura.si.
• NEAM S.A. / NEF (Nord Est Asset Management)coreChannel Partner/ Reseller/ DistributorNEF is a Luxembourg-based mutual fund (UCITS) managed by Nord Est Asset Management (NEAM). BCC Lodi distributes NEF products including NEF Ethical, NEF PAC, PAC Minori, NEF Ethical Target 2029, NEF Target 2031, and NEF Ethical Step to Balanced 2030. Fund information available at nef.lu. Managed by NEAM S.A. headquartered at Via J. Aconcio, 9, 38122 Trento.
• Third-Party Fund Managers (Amundi, BlackRock, BNP Paribas, Etica SGR, Fidelity, Franklin Templeton, Invesco, JPM, Pictet, Raiffeisen C.M., Schroders, Union Investment)minorChannel Partner/ Reseller/ DistributorBCC Lodi offers access to a wide selection of third-party mutual funds and Sicav from internationally recognized asset managers including Amundi, BlackRock, BNP Paribas, Etica SGR, Fidelity, Franklin Templeton, Invesco, JPM, Pictet, Raiffeisen C.M., Schroders, and Union Investment, enabling diversified investment solutions for customers.
• Directa SIMminorChannel Partner/ Reseller/ DistributorDirecta SIM is an online brokerage service linked from the BCC Lodi investments section, enabling customers to access direct trading and investment services.
• Claris RentminorGTM or Marketing PartnerClaris Rent offers long-term car rental services (noleggio a lungo termine) promoted through BCC Lodi branches. Special offers are available for bank members (Soci), including a complimentary monthly rental rate. Services include maintenance, roadside assistance, and coverage for both private individuals and businesses (partite IVA).
• BANCOMAT (Eur.BANK Project)minorStrategic or Co-development PartnerGruppo Cassa Centrale, including BCC Lodi, participates in EUR.BANK, a BANCOMAT project on euro stablecoin and the related ecosystem, announced in June 2026. This represents involvement in digital payment innovation and central bank digital currency infrastructure.
• Allitude S.p.A.coreTechnology or IntegrationAllitude S.p.A. (Via J. Aconcio, 9, 38122 Trento) is a technology and services company within Gruppo Cassa Centrale. It manages the Whistleblowing platform used by BCC Lodi (token: 08794WBREG). Allitude also manages the fiduciary guarantee verification platform (vtg.allitude.it/fideiussioni) for verifying authenticity of surety bonds under the new Public Procurement Code (D.Lgs. 36/2023).
• CERTFin / ABI / Banca d'Italia / Ivass / Polizia di StatominorStrategic or Co-development PartnerBCC Lodi participates in the 'I Navigati – Informati e Sicuri' cybersecurity awareness campaign organized by CERTFin in collaboration with Banca d'Italia, ABI, Ivass, and Polizia di Stato. The bank also participates in the 'A Buon Rendere' financial education initiative promoted by Gruppo Cassa Centrale, with activities including 331 initiatives reaching 23,000+ people in 2024.
• Forum per la Finanza SostenibileminorStrategic or Co-development PartnerGruppo Cassa Centrale, through Cassa Centrale Banca as a member, participates in the Forum per la Finanza Sostenibile, a non-profit multi-stakeholder association promoting sustainable finance knowledge and practice, and integration of ESG criteria in financial processes and instruments.

Scale indicators2 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Credito Emiliano (Credem): Italian mid-sized retail and SME bank with strong regional presence, full-service offering (deposits, mortgages, personal loans, wealth management, insurance), and branch + digital distribution. Comparable business model to BCC Lodi but at significantly larger scale and with broader geographic footprint.
• Banca Sella: Italian family-controlled bank with a long history of retail/SME banking, digital innovation, and investment/advisory services. Comparable to BCC Lodi in product scope (deposits, lending, asset management) and Italian mid-sized positioning, with similar branch + digital hybrid distribution.
• Banca Cambiano 1884: Another Italian Banca di Credito Cooperativo operating within the cooperative credit banking framework. Highly comparable to BCC Lodi in product set (deposits, lending, investment distribution), customer base (retail/SME), and cooperative governance; Cassa Centrale group selected to purchase 15% of Cambiano in July 2026, directly linking the two banks.

Broad incumbents

• Intesa Sanpaolo: Largest Italian banking group with extensive retail and SME operations throughout Lombardy, including Lodi's catchment area. Competes with BCC Lodi across the full banking value chain (deposits, mortgages, personal loans, asset management, insurance) but operates as a broad incumbent rather than a community-focused specialist.
• UniCredit: Major pan-European banking group with a strong Italian retail and corporate franchise, including significant Lombardy presence. Overlaps BCC Lodi on retail banking, mortgages, and SME lending but competes as a broad incumbent with a much larger balance sheet and product portfolio.
• Banca Mediolanum: Italian retail-focused bank offering current accounts, mortgages, personal loans, investment funds, and insurance through a multi-channel model (advisors + digital). Comparable product breadth and retail/SME orientation to BCC Lodi, but operates nationally and is publicly listed (much larger scale).
• BPER Banca: Italian mid-sized commercial bank with multi-regional retail and SME presence, including in Lombardy. Comparable in offering full-service banking (accounts, mortgages, personal loans, investment products, insurance) to a similar retail/SME customer base.
• Banco BPM: Major Italian commercial bank providing deposit, lending, investment, and insurance products to retail and SME customers across northern Italy, including Lombardy. Directly overlaps BCC Lodi's retail/SME lending and deposit-taking activities in the same Lombardy macro-region.

Emerging players

• Illimity Bank: Digital-native Italian bank focused on SME lending, distressed credit, and digital banking. Comparable to BCC Lodi's SME lending business but with a tech-first, no-branch model that competes for the same digital-first SME customers in Italy.

Others

• Cassa Centrale Banca - Credito Cooperativo Italiano: Parent/holding entity of Gruppo Cassa Centrale Banca, the cooperative banking group to which BCC Lodi belongs. Provides group-level technology (InBank), branded products (Prestipay), and operational support — effectively the closest enabler/ecosystem participant and the structural counterparty BCC Lodi relies on for non-core capabilities.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about BCC Lodi