Omnio Sercle and incuto Sign Partnership to Transform How Credit Unions Deliver Banking Services

05 March 2025 — Omnio Sercle and incuto have announced a partnership to combine each company’s market-leading strengths to reshape how credit unions deliver banking services. The collaboration will provide seamless cloud-level integration between Omnio Sercle’s and incuto’s Platform, delivering a unified solution for credit union clients.

This landmark partnership is poised to drive digital transformation, addressing key industry challenges and enhancing operational resilience – focusing on three core values:

• Driving Digital Innovation
  The Omnio Sercle and incuto partnership empowers credit unions to embrace modern integrated digital channels, e.g. enabling them to compete with mainstream lenders via price comparison websites. This collaboration enables credit unions to enhance their digital services, streamline infrastructure and deliver a superior member experience.
• Compliance at the Core
  By partnering with entities like Omnio Sercle and incuto, both providers of services to regulated financial institutions, credit unions can benefit from robust governance and services.
• Shaping the Future Together
  Together with the sector, we are shaping a roadmap to digitise and automate credit unions by providing the right tools and ensuring access to affordable, resilient technology. Our goal is to deliver a best-in-class solution that supports long-term sustainability as the sector navigates new challenges, including increased regulation.

Credit unions using the integrated solution will benefit from access to affordable third-party services through a tri-party contract, simplifying their operations and providing robust, supported technology that ensures service continuity and operational resilience.

As credit unions face the challenge of staying true to their mission to provide ethical and affordable financial services to their communities, the partnership between Omnio Sercle and incuto responds to their needs by offering a comprehensive, integrated technology platform that empowers credit unions to modernise their operations. In doing so, they enhance security, meet compliance requirements, and showcase their commitment to operational resilience and business continuity planning —ensuring trust from both members and regulatory bodies.

Commenting on the announcement, Andrew Rabbitt, CEO, incuto, expressed his enthusiasm for the new partnership, emphasising its potential to drive significant value for the credit union sector. “This partnership is an exciting new chapter, building on over 40 combined years of delivering purpose-built technology to the Credit Union sector. This represents a significant and unique partnership in the sector, between two of the largest suppliers, reinforcing our commitment to Credit Unions and each other. As the demands on the sector continue to grow, there has never been a more important time for key suppliers to work together to ensure there is a roadmap which meets customer and regulatory demands. We can’t wait to share a new and exciting roadmap over the coming months.”

Jay Mistry, CEO, Omnio Group, continued, “Credit unions play a crucial role in providing ethical and affordable financial services, but the sector faces growing pressures—from increasing regulation to rising member expectations. The partnership between Omnio Sercle and incuto gives credit unions the digital tools, security, and resilience they need not just to keep up, but to thrive. By combining our strengths, we’re delivering a truly integrated, future-proofed solution that enhances operational efficiency, improves financial inclusion, and deepens member engagement. We’re excited to embark on this journey together, helping credit unions modernise, compete, and continue serving their communities with confidence.”

Omnio Sercle and incuto plan to continue building on this partnership, exploring new opportunities to innovate and deliver even greater value to the credit union sector. The partnership represents the beginning of a strategic, collaborative effort aimed at driving enhancements that will enable the credit union sector to thrive. It marks a pivotal moment in the sector’s evolution, delivering immediate operational improvements while laying the groundwork for long-term competitive advantages that will benefit both credit unions and their members.

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About Omnio Sercle:

Omnio Sercle, part of the Omnio Group, has been serving the UK Credit Union sector for over 30 years. Working with over 80 Credit Unions, it is a leading financial solutions provider. Omnio Sercle offers scalable, cloud-based solutions and platforms that empower credit unions, community banks, and financial institutions to deliver efficient, modern banking services.

About incuto:

incuto is a regulated payments service provider, founded in 2016, focused on the Credit Union sector, offering a range of technology and regulated solutions to help Credit Unions serve, lend to, pay and protect their members. Incuto is wholly UK-based, with a team split between Ilkley, Northumberland, Glasgow and London. We work with 35+ Credit Unions, of varying sizes and our mission is to enable access to affordable credit, by helping underserved or excluded borrowers #GetToYes.