Cloudcase
    Mutual banks

    Customer-owned bankingwith tier-1 capability

    Mutual banks face the same regulatory expectations and customer demands as the majors, without the same engineering bench. Cloudcase closes that gap with a configuration-driven platform built for regulated change.

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    The mutual sector challenge

    More requirements, less runway

    The reality without modern tooling

    Same regulations as the majors. Smaller team to meet them.

    • ×Manual evidence trails for responsible lending and AML
    • ×Vendor queues for every product, rate, or policy change
    • ×Origination times measured in days, not minutes
    • ×Multiple disconnected systems across channels
    • ×No bandwidth to compete on speed or member experience
    With Cloudcase

    Tier-1 capability, mutual-sector economics

    • Customer-first by mandate, with evidence on every decision
    • APRA CPS 230, ASIC RG 209, and AUSTRAC, all built into the platform
    • Sub-3-second decision execution on home, personal, and credit cards
    • Self-sufficient configuration: 500+ updates/yr in customer hands
    • Single-tenant SaaS, fixed-price annuity, no per-transaction fees

    Coverage across your portfolio

    Browse what Cloudcase supports

    Home loans

    Retail

    Owner-occupied, investment, refinance, construction.

    Personal loans

    Retail

    Same-day funding, instant decisioning.

    Credit cards

    Retail

    Real-time limit assignment with risk-based pricing.

    Account opening

    Retail

    Frictionless onboarding with KYC/AML built in.

    SME lending

    Commercial

    Working capital, equipment, business loans.

    Commercial lending

    Commercial

    Multi-entity, covenants, delegated approvals.

    Variations & exceptions

    Operations

    Post-origination casework with audit-ready trails.

    Compliance & audit

    Operations

    APRA, ASIC, AUSTRAC alignment.

    Mutual sector outcomes

    Live in regulated production across the customer-owned sector

    Bank Australia

    70%

    More applications per consultant

    30% higher conversion. Full responsible-lending evidence on every decision.

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    TSB Bank

    2.4×

    Residential lending growth vs market

    12 systems integrated. 40-minute contact-to-contract on personal lending.

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    Gateway Bank

    500

    Self-reliant config updates per year

    Internal capability transfer eliminated dependency on vendor change cycles.

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    Built for the mutual sector since 2015

    100% implementation success across customer-owned banks. Single-tenant SaaS, fixed-price annuity, no per-transaction fees.

    See customer outcomes