## Case Study

# Banking on a better Tomorrow

Cards

Digital Banking

Bank

Fintech

Tomorrow offers a sustainable mobile banking experience that enables its users to achieve a positive impact with their money. The users’ deposits are invested in sustainable projects, including renewable energies and social housing developments and for every euro a user pays with their Tomorrow card, Tomorrow protects 1 m² of rainforest from deforestation. Premium “Zero” users can even offset their carbon footprint entirely. Kitted out with the full suite of banking features, Tomorrow combines a state-of-the-art user experience with a sustainable philosophy.

## Challenge

To make their vision of a platform for ethical finance a reality, Tomorrow knew that at the center of their proposition they needed to offer a fully-fledged bank account. This would act as the central hub to which further value-added services around sustainable investing could then be added. This, however, was no easy feat:

1. To offer a basic bank account and card, the German regulator demands a banking license. However, due to the immense operational effort and sunk costs required for getting a banking license, Tomorrow looked for a licensed provider that could shoulder these burdens.
2. Further, Tomorrow needed to move quickly. The European mobile banking market was getting increasingly crowded and new features were being launched at a rapid rate. Tomorrow was in search of a partner that was on eye-level in terms of technological capability and speed.
3. Finally, the partner of choice needed to accommodate Tomorrow’s unique brand – not just in terms of design, but also in terms of infrastructure. After all, Tomorrow wanted to offer features that allowed for investments with positive social and environmental impact.

## Our solution

### A fully-fledged mobile banking experience

With Solaris’ digital banking APIs, Tomorrow is able to offer its customers a modern mobile banking account complete with SEPA credit transfers & direct debits, real-time push notifications and automatic categorization of transactions – all without having to obtain an own banking license. What’s more, with sub-accounts, which Tomorrow lovingly calls “Pockets”, users can set savings targets and manage their spending behavior for improved financial wellbeing. Naturally, Tomorrow keeps full control of the app design, creating a wholistic brand experience.

[Discover our Digital Banking services](/content/en/services/digital-banking/index.html)

### A card for your conscience

No account is complete without a card. With Solaris’ Visa debit cards, Tomorrow’s users have the full control: setting a new pin, blocking and unblocking the card and setting specific card limits can be done within the app at any time. But that’s not all - to fulfill its promise of sustainable banking, Tomorrow offers a card made entirely of sustainably sourced wood – an eye-catching statement for a plastic-free world. In a rush? Tomorrow’s cards are also compatible with Google Pay & Apple Pay for an easy tap & go payment experience.

[Discover our Cards services](/content/en/services/cards/index.html)

## The project in numbers

- **6** Months from idea to go-live  
- **∞** Premium “Zero” users can create an unlimited amount of “Pockets”  
- **165** square kilometers of rainforest protected by Tomorrow’s users – and counting

## What they say about us

> “With its fast processes and well-established technology, Solaris is the ideal partner for us to implement our mission: to bring sustainable banking into the mainstream.”

—  
Jakob Berndt  
Co-Founder of Tomorrow

## Start building your own banking service  
[Contact us](/content/en/survey/index.html)