Technology & Security

Manageable

OurCashFlow was designed from the start to enable financial institutions to deliver robust PFM support to customers with minimal IT overhead.

The flexible architecture includes a variety of tools to allow information systems managers to monitor the system from a single, easy-to-use interface. A dashboard provides a consolidated view of charts, statistics and notifications, while additional tools help managers set up application parameters and review logs, rules engines and integration points.

Customizable

The navigation, header and tabs are designed for customization, while our experienced engineers can help integrate OurCashFlow with back-end bank applications.

Secure

Lodo Software uses the most advanced technology available for Internet security and data encryption – the same level as that used by leading banks. We also maintain physical, electronic and procedural safeguards that meet or exceed federal regulations to guard non-public personal information.

Consumers’ online account information and access codes are stored only in encrypted form. Our application is designed to ensure that no one at a user institution has access to account numbers or passwords, and only those employees who need to know are given access to end users’ other personally identifiable information.

Our product stores data in a relational database management system and uses encryption to obscure fields in the database that are considered sensitive. The software routinely creates backup files of systems and databases, encrypts those files and stores them offsite. The keys used on these files differ from those used by the PFM to encrypt data within the database and are changed periodically.

We routinely test our security controls, limitations, network connections and restrictions to ensure we can adequately identify and stop any unauthorized access attempts. Monitoring and logging systems alert financial institutions’ operations and support personnel on a 24/7/365 basis so they can respond immediately to any system breach. We also participate in security tests and audits at our financial institution client sites.

We partner with CashEdge to provide account aggregation services. They use client-provided account credentials (username and password) to access the web-based account portals that house held-away assets. They leverage the same technology used by the world’s leading financial institutions to safeguard Internet banking portals so users can be sure their data is protected. To further safeguard the data, CashEdge protects it with 128-bit encryption, the strongest available, and the data is not accessible to any human including CashEdge employees. The system is also audited regularly and is subject to security tests by leading third-party providers, ensuring it remains impenetrable.

CashEdge is the preeminent provider of financial account aggregation services to brokerages, wealth management firms, financial advisors and providers of professional and personal financial management applications.