Built for every team in the institution.

An ISA transfer used to mean humans reading PDFs, rekeying into a Salesforce case and handling it by hand. Now the transfer arrives, Effo does the processing, and the team approves the payments.

Previously, payment reconciliation meant finding breaks late and chasing them across systems. Effo spots each break as it appears and fixes it, queueing only the ones that need a human.

An entire vendor management system on Effo: the vendor dashboard and the records and workflows behind it. Six figures less than buying it, and a more bespoke fit.

The institution's full treasury position, cash, deposits, assets and liabilities, in one place. Replacing a daily Excel update, an Effo app is published every morning and read by the C-suite.

Daily payment runs need sign-off from financial control and treasury before anything moves. Every approval happens in an Effo app, recorded and audit logged. Nothing is released without sign-off.

Invoices land in the accounts payable inbox, Effo matches each one to the right vendor, and matched invoices are uploaded into Dynamics. Standard AP work at the speed the inbox fills.

Effo takes the output of every customer call and surfaces the feature requests and themes inside them. The product team sees what customers actually ask for, at a scale no one could read by hand.

Effo turns customer requests into suggested changes. Coding agents raise the pull requests, and engineers review and merge.

Anyone who needs an answer from customer data asks in natural language. Effo turns the question into SQL and runs it safely against the data lake, every query permission checked.

QA moves from a 5% sample to 100% coverage. Each engagement is reviewed against the firm's rubric and policies. Failed calls are flagged to a human, and vulnerable customers are identified along the way.

An investigation once meant half a day pulling a customer's records, transactions and history together from different systems. Effo assembles the case file. The investigator reviews and decides.

Effo scans FCA reports and releases for developments relevant to the institution and surfaces them to the team. Behind it sits an FCA knowledge base, indexed so the team can ask it questions.

Effo builds deep, specific customer segments from the institution's own data. Marketers self-serve segments without a back and forth with the data team.

Effo tracks competitor rates and campaigns continuously and alerts the team the moment something moves, with the day's landscape on one page. Nobody spends the morning on comparison sites.

Copy drafted against an indexed library of the institution's approved copy. Emails, pages and campaigns that sound like the brand because they are grounded in it, ready to edit rather than write from scratch.

JML used to be a checklist run by hand across systems. On Effo the process runs the same way every time: accounts provisioned and revoked, kit and access tracked, every step recorded.

Given the role, Effo runs wider searches, trawling LinkedIn and beyond for candidates who fit, and returns a shortlist worth a recruiter's time.

An OKRs app the whole firm works in. People set, work on and submit their OKRs in one place, so performance management runs on live goals rather than a quarterly slide hunt.