About Yojna

At Yojna we make the complex simple.

At Yojna, Inc., we provide best-of-breed technology products and services to financial institutions and Fortune 1000 companies.

We strategically support our client’s missions to improve efficiency and productivity while reducing waste and enhancing customer and shareholder value.

In Sanskrit, the word “Yojna” can have two meanings depending on the context. The first meaning refers to a unit of measure that is a long distance. The second meaning refers to having a plan or strategy.

As a company, Yojna is a trusted partner to financial institutions - developing and executing the plan to help them travel great distances to serve their clients.

Mission Critical
Financial Software

Making the complex simple for financial institutions for over 40 years

Enabling Trillions in Transactions for Leading Financial Institutions

45 Years

of Sophisticated Solutions

1M +

Commercial
Users

1.5B

Business & Retail
Checks Processed

7.5M

Volumes
Processed

Our Solutions

Since 1980, Yojna specializes in the creation, implementation, and deployment of highly efficient and feature-rich data delivery products and payment-related solutions to the top banks in the US and other financial institutions in North America. Using company specific branding, our versatile suite of technology solutions has allowed our clients to deliver a wide range of financial data and payment related solutions to over 100,000 commercial customers.

Client Card Campaigns,
Unlocked.

Grow card spend for your clients like never before with CC+.

Leverage CC+’s Supplier Enrollment Portal to close campaigns quickly

Unlock the full value of your clients’ card programs

Build your own Supplier Acceptance Profiles over time

Cash Management, Simplified

ACCORD® FinancialNet’s Cash Management Suite supports a comprehensive array of treasury management services. These include ACH origination and Cash Concentration, Wire Transfer origination, e-mail alerts, Bill Payment, check reordering and sophisticated Information Reporting features and more.

The system also supports a complete set of file upload and download capabilities that support activities such as Account Reconciliation, Positive Pay and ACH Convenience Batching.

Whether you are a large regional bank, community bank or credit union, FinancialNet provides end-to-end treasury management capabilities for your commercial clients.

Client Data Access, Simplified

ACCORD® SmartExchange is a platform that enables secure, media-less delivery using "Push" technology to client workstations via the Internet, virtually eliminating the need for traditional production and shipping of periodic customer content using electronic media.

ACCORD® SmartExchange is designed to eliminate the significant costs associated with electronic media-based content distribution. It also adds important new advantages, including but not limited to:

Immediate client access to digital content when it becomes available, including access to intra-cycle images
Automated content registration in the ImageView Viewer;
Two-way exchange of customer data to support processes such as ARP, Positive Pay Decisioning, receipt of ACH and Wire batches and much more.

Who We Serve

Our innovative solutions are built for financial institutions looking to modernize their operations, reduce manual processes, and enhance customer experience.

Banks

We help retail and commercial banks automate financial operations, minimize errors, and improve payment processing for seamless banking experiences.

Credit Unions

Credit unions trust Yojna to enhance member services, optimize payment workflows, and improve operational efficiency.

Wealth Management Firms

Our solutions enable asset managers and financial advisors to automate financial workflows, ensure compliance, and elevate client relationship management.

Fintechs

Yojna empowers fintech companies with scalable, intelligent automation tools that integrate seamlessly with financial ecosystems for enhanced digital banking experiences.

"Yojna's decades of experience in delivering enterprise-grade software to our bank, combined with the team's deep expertise in commercial card programs and all things banking, has allowed us to consistently unlock new ROI, reduce risk, and out-compete year after year."

- Vice President, Top 5 US Bank

Execute Payments

Seamlessly send funds with secure, automated payment solutions that reduce errors and enhance efficiency.

Receive Payments

Streamline payment collections with automated processing, ensuring fast and hassle-free transactions.

Reconcile Payments

Eliminate manual reconciliation with real-time transaction tracking for greater accuracy and transparency.

Price Payments

Optimize pricing strategies with data-driven insights to maximize revenue and enhance client offerings.

How Yojna Helps Financial Institutions

We simplify financial operations by focusing on four key areas

LEARN MORE

Ready to grow & strengthen your client relationships?
Let's Chat.

Reach out to discuss how Yojna can help strengthen and grow relationships with your corporate clients.

Blog Title Goes Here.

Check back soon

Once posts are published, you’ll see them here.

Yojna provides comprehensive role-based (train-the-trainer) solution training via web teleconference to key client business leads and technical team members (who will be expected to train the wider userbase on the functionality of the solution). The training will encompass both a "big picture" perspective of the solution, as well as detailed instructions for technical and business aspects of the product.
Yes, Yojna conducts quarterly business reviews to a) communicate progress, b) ensure and maximize UMB's attainment of utility, ROI, and business goals via best practices, c) share and align on Yojna's product roadmap, and d) propose action times aimed to accelerate UMB's success in the next quarter.
Yes, Excel and home-grown applications/databases (such as SQL Server, Oracle, Access, ODBC, etc) are supported sources for migration. The migration process is essentially for Yojna's implementation team to acquire these existing datasets and map them to Yojna's standard model in order to perform a transform of the data. Yojna will then provide bulk exports and an auditing login for our clients to review and validate the mapping process prior to go-live.
Yes, Yojna's change management process is led by our Accounts team who will help clarify and qualify all client business requirements and technical teams in order to author a complete and detailed Project Change Order (PCO) document for our mutual review. Once executed, Yojna's Accounts team would fold the new PCO into the overall workstream with a new client, including weekly status meetings and progress tracked live for parties to both stay up-to-date through successful implementation.

After migration to Production, we can shift to monthly touchpoint meetings and, thereafter, quarterly business reviews.
Yojna customer support is led by an in-house team that is supplemented with outsourced subject matter expertise, as needed.
Last-minute requests are handled as quickly as practical based on the nature of the request. As a provider of mission critical solutions to major banks, it is our intention to provide enterprise-grade customer service, support, and responsiveness.
Yojna strives to complete projects on time and within budgets, to achieve maximum customer satisfaction. Over the last 40 years, Yojna has become keenly adept at estimating the time required to complete projects. Of course, and in all cases, Yojna relies on its customers to fulfill their roles and dependent tasks in a timely manner to assure successful objective achievement.