Alkami

Alkami provides a digital banking platform covering account access, transfers, payments and the account opening that precedes them, sold to banks and credit unions rather than to their customers. The platform sits above whatever core system the institution already runs.

That layering is what makes the category viable. A bank's core is expensive and risky to replace, so improving the customer experience means adding a modern layer over an old system rather than replacing the system, and the quality of the integration between the two determines whether the result feels coherent.

Digital account opening is where community institutions lose most to national competitors. A prospective customer comparing two banks online will finish the application that takes six minutes and abandon the one that takes forty and ends at a branch visit, and that comparison happens before the institution knows the person exists.

Serving credit unions alongside banks means accommodating a different member relationship and a different set of expectations, which is a product design consideration rather than a marketing one. No pricing is published, as is standard where deployments are scoped by institution size and the integration work each one requires.