iTech Software Unlocks New Growth for Brokers with Integrated Savings Accounts

Fintech provider brings bank‑style savings plans into brokerage platforms, turning idle client capital into retention and revenue tools.

Illustration depicting the integration of savings accounts within brokerage platforms, highlighting the growth potential of idle client capital.

In the evolving world of digital finance, a notable shift is underway. Fintech specialist iTech Software is broadening the scope of brokers’ offerings, enabling them to embed savings‑account capabilities into their platforms — a move that may reshape how brokers engage clients and monetise idle funds.

For many brokerages, a familiar headache has long persisted: what happens to client funds when they are not actively trading? Funds sit in accounts, generating no activity, no yield, and no loyalty benefit. That gap presents both a risk of client disengagement and a lost revenue opportunity. iTech Software’s new “Savings Accounts” functionality is designed to fill precisely that gap.

From Trading Portal to Holistic Financial Hub
Historically, brokerage platforms focused on active trading: users buy, sell, leverage, speculate. The notion of passive, savings‑style capital management within the same infrastructure has been rare. With this latest feature, brokers can offer structured savings plans that resemble traditional bank deposit accounts: clients allocate funds for a period and earn a return, all while remaining within the brokerage environment.

This transition signals a convergence between trading, banking and investing. Brokers who adopt it gain a more diversified value proposition: they facilitate active trading and provide a place for clients’ idle capital to earn returns. For clients, this means fewer fragmented platforms and a more unified relationship with their broker. The move to embedded banking within brokerage platforms reflects a broader fintech trend.

Broker Empowerment: Flexible Savings Setup
One of the stand‑out features for brokers is the configurability of the savings tool. From their back‑office CRM, the broker can define multiple savings products: setting deposit thresholds, return coefficients, term lengths, currencies, and whether interest is capitalised or paid out periodically. And crucially, each plan is visible, manageable and reportable through the broker’s dashboard.

Operational staff benefit too: they can monitor all active and closed plans, view profit logs, days remaining, and investment statuses. In effect, this turns savings capital into an asset under management — with full transparency and auditing capability. For brokers who previously lacked a “stay‑on‑the‑platform” incentive for client funds, this becomes a potent new lever for retention.

Client Experience: Simplicity Meets Clarity
From the user’s vantage point, the process is remarkably streamlined. A trader logs into the familiar brokerage interface and discovers the savings‑plan option alongside the trading account. They pick a plan, input a deposit, and immediately see an estimated return via an investment calculator embedded in the platform.

Once invested, the user has visibility: they can check active plans, closed plans, or even prematurely terminated ones, download records and monitor performance. This degree of transparency aims to build trust, especially in an environment where broker‑client relationships often revolve around trust (or its absence). The takeaway: brokers are offering more than a trading portal; they’re offering a savings vehicle.

Strategic Implications: Retention, Revenue, Regulation
Retention: By providing an alternative use for idle funds, brokers encourage clients to keep capital within their ecosystem rather than withdraw or park it elsewhere. The savings feature acts as a retention hook.

Revenue: This model opens fresh revenue streams. While trading commissions remain important, savings products can generate yield spreads, plan‑management fees or interest margins. For brokers operating in tight margins, the new feature presents incremental benefit.

Regulation & Compliance: Of course, introducing savings‑style products within a brokerage context raises regulatory questions. Brokerages will need to ensure that any deposit‑like product complies with relevant financial services regulations for their jurisdiction. That implies careful design of terms, transparency around returns and risk disclosures. iTech’s solution addresses part of this by integrating KYC compliance, client‑account oversight and transparent audit logs.

Market Context: Fintech Push into Embedded Banking
The launch of this feature by iTech comes at a time when embedded finance — banking and savings services integrated into non‑bank platforms — is gathering momentum. Brokers, once purely vehicles for trading access, are increasingly evolving into full‑service financial hubs. By adding savings, they tap into the vast pool of capital that remains idle in client accounts. The logic is potent: if you already host client funds, why not let them work for clients and you?

Analysts view this move as part of the broader push of fintech into embedded banking: removing the silo between broker, bank and investor. Platforms that deliver trading, savings and investment under one roof may hold a competitive edge. iTech’s announcement reflects this ecosystem shift.

Challenges Ahead
While promising, the roll‑out is not without hurdles.

Risk profiling: Clients must understand the difference between guaranteed bank deposits and broker‑linked savings plans. Brokers must clearly disclose liquidity terms, returns and termination policies.
Liquidity management: When clients commit funds for savings‑plans, brokers must manage liquidity carefully; unexpectedly large withdrawals or plan exits could stress brokerage capital flows.
Reputation risk: Savings features elevate client expectations of custody and security; any lapse in transparency or performance could damage broker brand and erode trust.
Differentiation: As more brokers adopt similar tools, the point of differentiation may shift to execution quality, user experience and ancillary services rather than savings alone.

Outlook: A Broader Growth Vector
For brokers willing to evolve, the new savings‑account capability from iTech offers a growth vector beyond trading volumes. It appeals to clients who are less active traders but still want their funds to work. It deepens the client‑platform relationship and elevates the broker from transaction‑facilitator to financial ecosystem provider.

For iTech Software, this launch reinforces its positioning as a turnkey technology partner for brokers seeking to stay ahead. By bundling trading platform, CRM, back‑office and now savings‑product support, the company presents a full‑stack proposition for growth‑oriented brokerages.

In short: brokers are being handed a new tool to convert dormant capital into engaged capital. The brokers who successfully integrate and promote this functionality may be the ones who capture a greater share of client wallet and loyalty in the months ahead.