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Enabling financial institutions and well-known brands to enhance customer trust, loyalty and revenue.

    Headquartered in Portland, Oregon
    ShiftCents, Inc. aka BankShift
    Mailing: 732 S 6th ST, STE R,
    Las Vegas , NV 89101

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    Embedded banking refers to the seamless integration of financial services into non-financial ecosystems, enabling users to access banking functions without leaving their preferred platforms.

    Unlike Banking-as-a-Service (BaaS) models that externalize compliance and user experience to third parties, embedded banking under a Banking-as-a-Platform (BaaP) model, this keeps regulatory oversight and operational control within the financial institution’s infrastructure.

    The types of financial services that can be offered through brand on banking may vary depending on the agreement between the two parties. However, some common services that can be offered include deposit accounts, credit cards, loans, investment products, and insurance products.

    Money is deeply emotional—it represents security, opportunity, and personal identity. When financial services align with something people are passionate about, they foster a level of connection that goes beyond transactions. Branded banking taps into this emotional aspect, transforming financial interactions into meaningful experiences that build genuine loyalty.

    People don’t just engage with brands; they form relationships with them. When a financial institution integrates seamlessly into a brand or community that customers already trust and admire, it strengthens retention, trust, and lifetime value. This is especially true for the next generation, who prioritize alignment with their values and personal interests.

    By embedding banking within brands that people are already fans of, we’re not just providing financial services—we’re creating emotional connections that drive engagement and long-term loyalty.

    Featuring internationally patent-pending technology and trademarks like Banking on Your Brand® and BankShift®, we empower credit unions and community banks to embed their existing banking products into non-financial experiences—driving new revenue, ensuring compliance, and strengthening member and customer loyalty.

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