Digital Banking Integrations
Seamless integrations with Alkami and Jack Henry Banno for online banking enrollment during account opening, single sign-on, and cross-sell placements where your members already bank.
Alkami Digital Banking Platform
Integration with Alkami's digital banking platform for online banking enrollment and SSO during the account opening process — new members leave the application already enrolled in digital banking.
Technical profile
Protocol: REST API
Authentication: HMAC-SHA256 message signing
Security: Timestamp validation with clock skew checking
Capabilities
User registration · username generation from applicant data · username availability checking · automatic password generation · email validation · user record enabling · detailed failure reason reporting.
In production
Nutmeg State Financial CU, Service One CU, and CPM Federal CU run the Alkami integration in production today.
Jack Henry Banno Digital Platform
Jack Henry's strategic digital banking and integration middleware layer, serving 1,000+ banks and credit unions. Cotribute is a Banno Certified Partner — enabling SSO authentication, member context access, and embedded plugins within the digital banking experience.
Member authentication & context
OpenID Connect (OIDC) SSO · OAuth 2.0 authorization code flow · member identity verification · session management · member profile data access · account/share data access · transaction history access.
Plugin integration
Embedded plugin within the Banno UI · deep linking from digital banking · seamless user experience · institution-specific configuration.
Cross-sell & growth
Member context for personalization · product eligibility assessment · pre-filled application data · relationship-based recommendations.
Subshare & account services
Add shares to an existing membership · certificate/CD opening · checking and savings sub-accounts · card services integration.
Underlying core connectivity
Symitar (Episys) via SymXchange · SilverLake via jXchange · CIF 20/20 via jXchange · Core Director via jXchange — the Banno experience posts straight through to the core.
Why digital banking integration matters
Members who apply from inside online banking arrive authenticated, with identity and account context already established. That means pre-filled applications, fewer abandoned flows, and cross-sell offers based on the actual relationship — the same context our AI Cross-sell Agent (AIC) uses to recommend the next product. See AI Growth Agents.
Put account opening inside your digital banking
See the enrolled-on-day-one experience live, or scope your Alkami or Banno environment with our team.