Narmi rebuilds your digital bank. Cotribute grows the one you have.
Narmi is a credible full-suite provider: Narmi One puts consumer and business banking, Narmi Grow account opening, Narmi Guard fraud protection, FedNow support, and open APIs on a single codebase. That's a serious platform — and choosing it is a serious decision. Before you compare features, decide which decision you're actually making: replacing your digital banking stack, or adding growth to the one you already run.
Side by side
| Cotribute | Narmi | |
|---|---|---|
| What you're deciding | Add a growth layer to your current core and digital banking | Replace online + mobile banking entirely (Narmi One, single codebase) |
| Digital banking | Works with the provider you have — integrates with Alkami and Banno | Becomes your provider — consumer and business banking on Narmi |
| Implementation | Account opening live in ~30 days (documented: Blue FCU); loan modules 45–60 days by core | Digital banking conversions typically run 3–6 months |
| Member impact | Nothing your members use today changes — new capability is added alongside | Every member migrates to new online and mobile banking |
| Scope included | Deposits + consumer & business lending + fraud & decisioning + 3 AI growth agents, one platform | Banking suite + Narmi Grow account opening + Narmi Guard fraud; ask what's live for lending origination |
| AI | 3 agentic agents (acquisition, cross-sell, relationship growth) in production since June 2025, human-in-the-loop | Ask which AI capabilities are live today vs. roadmap |
Where Narmi genuinely fits
Your board has decided to replace online and mobile banking entirely, and you want a modern suite — banking, account opening, fraud, FedNow, open APIs — from one vendor on one codebase. If full re-platforming is the strategy, Narmi belongs on your shortlist, and you should evaluate them seriously alongside Alkami.
Where Cotribute wins
You want growth this quarter, not a conversion project. Cotribute layers account opening, consumer and business lending, fraud, and AI-driven growth on top of the core and digital banking you already run — including Alkami and Banno. No re-platforming risk, no member migration, ~30 days to live instead of a 3–6 month conversion, and lending plus AI agents are included rather than a future phase.
"They helped us launch an entire Online Account Opening (OAO) platform in 30 days."
Kent Richards, CIO, Blue Federal Credit Union
Questions for both of us
Put these to Narmi and to Cotribute. Here's how we answer them.
Are we making a growth decision or a re-platforming decision?
Our answer: with Cotribute, a growth decision — your core, online banking, and mobile apps stay exactly as they are, and account opening, lending, and AI growth are added alongside. With a full-suite replacement, the account-opening upgrade rides on a digital banking conversion: bigger prize, bigger project, bigger risk profile. Make sure your committee prices both paths honestly.
What happens to our existing digital banking provider?
Our answer: nothing. Cotribute integrates with Alkami and Banno digital banking, so members move from your existing app into Cotribute-powered flows without noticing a seam. If a vendor's answer is "we replace it," that's legitimate — but it means every member re-enrolls in new online and mobile banking, and that migration belongs in your risk assessment.
How long until we're live, and what does it cost in staff attention?
Our answer: sandbox in about 10 business days; account opening live in ~30 days (documented: Blue Federal Credit Union); loan modules in 45–60 days depending on core. Full digital banking conversions typically run 3–6 months and consume IT, marketing, and member-service capacity for the duration. Ask both vendors for documented timelines from named institutions — not estimates.
What's included beyond account opening?
Our answer: on one Cotribute platform — consumer and business account opening, consumer and business lending, 70+ configurable fraud and decisioning rules, and three agentic AI Growth Agents in production since June 2025 (human-in-the-loop, no member data in public models). Ask any suite vendor what's live today for lending origination and post-onboarding growth, and at which named customers.
Compare us hands-on
Explore live demos and pricing yourself, then bring both vendors your hardest questions.