The new Standard In Intelligent Banking Software
AI is the new competitive edge for banks and lenders in 2026. Fern’s AI-powered solutions for financial institutions are already driving smarter decisions and customer success.
Fern has well proven experience of helping its clients make a smooth transition from legacy systems, and can help you develop a strategy for adapting your operations to remain relevant in the future.
FINANCIAL INSTITUTIONS
COMMERCIAL & RETAIL BANKS
DEVELOPMENT BANKS
SME FINANCE & SUPPORT
GOVERNMENT & ECONOMIC DEVELOPMENT
FINANCIAL INCLUSION - Credit Union / SACCO / MFI
FUND MANAGEMENT
ISLAMIC FINANCING
MORTGAGES
Over 100+ Trusted Partners & Accreditations
Commercial & Retail Banks
Fern provides flexible platforms to efficiently handle Loans, Savings & Deposits portfolios and Client interactions. By using Fern’s core banking solutions, financial institutions can streamline their operations and leverage powerful tools to foster business growth.
Credit Unions/SACCOs
By providing a flexible, integrated platform, it enables these institutions to streamline operations, offer digital services, mobile banking, and compete effectively in the financial landscape, all while staying true to their cooperative principles.
SME Finance & Support FIs
Fern’s SME Finance & Support FIs solutions give these vital institutions an integrated and streamlined CRM and Loans Management System to ensure the sustainability & growth of their SME clients.
Financial Inclusion Institutions
Fern Software’s core banking systems help MFIs digitize and streamline operations. This enables them to efficiently provide financial services to underserved communities and expand their reach.
Pa Laide
“Quantum Al is a remarkable solution, hugely streamlining a previous pain point and allowing Cara Credit Union to better serve its local members. Quantum Al is a Game Changer for the Irish lending market and will allow Cara Credit Union to compete in today's digital marketplace, with a significant advantage over other lending institutions”
-Pa Laide, CEO Cara Credit Union
Benefits That Bring Real Value to You
Launch New Financial Products in Days, Not Months
Define and adapt financial products instantly—no coding required.
You can win on flexibility, accessibility and speed to market.
Serve Customers Anywhere with True Omnichannel Banking
Seamless real-time banking on web and mobile with flexible deployment for reliable growth.
Compete with the neobanks on your terms.
Make Smarter, Faster Lending Decisions
Baytree and Quantum AI transform lending by automating loan decisions — cutting processing times to minutes, improving accuracy of loan decisions and reducing operational costs
Gain 360° Visibility with Advanced Analytics
Turn financial data into clear insights with dashboards and AI forecasts to identify risks early.
You will wonder how you managed without Financial Services Ops (FSO)!
Scale Securely with Proven Technology
Handle portfolios of any size with built-in security, compliance, and high availability.
Fern’s technology roadmap is built with your future in mind.
Boost Efficiency by Automating Core Processes
Automate repetitive tasks to cut costs, reduce complexity, and streamline lending operations.
Your sustainability is our focus.
There's always room to improve...
Learn more about how we can help you in building your next generation of banking and financial experiences.