Core Insights - BankCherokee has launched Alkami's Digital Banking Platform to enhance digital experiences for retail and business customers, focusing on efficiency, fraud protection, and user-first design [1] Group 1: Company Overview - BankCherokee is the oldest family-owned bank in the Twin Cities, founded over 100 years ago, and is known for its commitment to serving local neighborhoods and businesses [1] - Alkami Technology, Inc. provides a digital sales and service platform for financial institutions in the U.S., integrating onboarding, digital banking, and data and marketing solutions [1] Group 2: Digital Banking Platform Features - The Alkami Digital Banking Platform offers modern tools for both retail and business customers, providing a feature-rich, scalable, and user-friendly digital banking experience [1] - Business users can utilize integrated features like Positive Pay and ACH Reporting to enhance fraud prevention and improve operational efficiency [1] Group 3: Strategic Goals - BankCherokee aims to strengthen operations and adapt to changing customer expectations through the new digital banking experience [1] - The partnership with Alkami aligns with BankCherokee's mission to serve the community while streamlining operations and delivering an intuitive digital experience [1]

Core Insights - Alkami Technologies (ALKT) has experienced a significant decline over the past year, attributed to the broader software market downturn known as the "SaaSpocalypse," which has been exacerbated by AI-related sell-offs [1] - Despite the challenges faced by some software companies, Alkami appears to be relatively insulated from existential risks associated with AI advancements [1] Company Overview - Alkami Technologies operates within the software sector, specifically focusing on providing digital banking solutions [1] - The company has been impacted by market trends but shows resilience compared to its peers [1] Market Context - The software industry is currently undergoing a tumultuous phase, with many companies facing severe valuation pressures due to changing market dynamics and investor sentiment [1] - The term "SaaSpocalypse" reflects the widespread sell-off in software stocks, indicating a challenging environment for growth-oriented companies [1]

Core Insights - Alkami Technology, Inc. will host a webinar on February 25, 2026, focusing on how clean transaction data can enhance insights and support data-driven decisions for financial institutions [1] - The webinar will demonstrate the importance of standardizing transaction data to improve visibility into account holder behavior and streamline workflows [1] - Automated daily data cleansing is highlighted as a method to eliminate inefficiencies and enhance the usability of transaction data across organizations [1] Group 1: Webinar Details - The webinar is titled "Turning Chaos Into Clarity: Decoding the Language of Transactions" and will take place at 2:00 p.m. ET [1] - Mark Leher, director of product management at Alkami, will discuss how reliable transaction data can inform financial institutions' strategies [1] - The session will also cover how decoded transaction insights can reveal spending patterns and uncover hidden opportunities [1] Group 2: Company Overview - Alkami provides a digital sales and service platform for U.S. banks and credit unions, integrating onboarding, digital banking, and data marketing [1] - The company has been recognized by J.D. Power for providing an outstanding mobile banking platform experience in 2024 and 2025 [1] - Alkami's platform aims to support anticipatory banking by helping data-informed bankers leverage technology to drive action [1]

Core Viewpoint - Alkami Technology, Inc. is set to announce its financial results for the fourth quarter of 2025 on February 25, 2026, after market close, indicating ongoing transparency and engagement with investors [1]. Group 1: Financial Results Announcement - Alkami will report its fourth quarter financial results for the period ending December 31, 2025 [1]. - A conference call is scheduled for 5:00 p.m. ET on the same day to discuss these results with investors [1]. - The event will be accessible via a live webcast on the Alkami investor relations website, with dial-in options available for both domestic and international participants [1]. Group 2: Company Overview - Alkami provides a digital sales and service platform tailored for U.S. banks and credit unions, integrating various solutions such as onboarding, digital banking, and marketing [1]. - The platform is designed to help financial institutions onboard, engage, and grow customer relationships, aligning with the trend towards Anticipatory Banking [1].

Core Insights - The partnership between MANTL and Amplify Credit Union aims to modernize the onboarding and account opening experience for both business and consumer accounts, enhancing efficiency across digital and physical banking channels [1][4] Company Overview - MANTL is a leading provider of loan and deposit account opening technology, acquired by Alkami Technology in March 2025, and specializes in unified account origination technology [5] - Amplify Credit Union, founded in 1967, offers fee-free banking and award-winning lending services to over 50,000 members in Texas, focusing on improving financial lives [6][7] Partnership Details - The collaboration will utilize MANTL's omnichannel deposit origination technology to streamline the account opening process, allowing businesses to open accounts online in under 10 minutes and retail members in under 5 minutes [2][5] - Amplify will automate over 85% of application decisions, including KYC, AML, and BSA checks, to reduce manual processes and enhance growth [3] Strategic Goals - The initial focus will be on launching Business Deposit Origination, followed by Retail Deposit Origination, to create a seamless onboarding journey for members and employees [2][3] - The partnership is expected to provide Amplify with insights from over 1,350 data points, enabling strategic decision-making to drive growth and improve member experience [3]

Core Insights - Alkami Technology, Inc. is hosting Alkami Co:lab 2026 from April 13-15 in San Diego, California, focusing on growth strategies and industry insights for financial institutions [1][4] - The conference will feature nearly 50 breakout sessions with over 40 financial institutions and industry leaders, covering topics such as retail banking, fraud, payments, and digital banking [2][3] Group 1: Conference Details - The agenda includes client panels, hands-on training, and roundtable discussions aimed at sharing best practices and product innovations [2] - Attendees can earn Certified Treasury Professional (CTP) credits by participating in select sessions on treasury management and payments [2] Group 2: Networking and Collaboration - The event emphasizes collaboration among diverse industry voices, fostering connections that can drive innovation [3] - Attendees will have opportunities to engage with Alkami's partner ecosystem and learn about the company's product roadmap [3] Group 3: Company Overview - Alkami provides a digital sales and service platform for U.S. banks and credit unions, integrating onboarding, digital banking, and marketing solutions [5] - The company has been recognized by J.D. Power for outstanding mobile banking platform experience in 2024 and 2025 [5][7]

Core Insights - The article discusses the evolving expectations in business and commercial banking, highlighting the opportunities for regional and community financial institutions to strengthen their relationships with clients through enhanced digital capabilities [1][2]. Investment Focus - Financial institutions are focusing their investments on digital onboarding, real-time payments, embedded fraud protection, and seamless integration into existing workflows to meet the rising expectations of business and commercial clients [2][3]. Key Trends in Business and Commercial Banking - The top ten trends shaping business and commercial banking in 2026 include: 1. Growth in digital onboarding and self-service account management [5] 2. Evolution of fraud protection from a cost center to a competitive advantage [5] 3. Emergence of AI-powered relationship management as a key differentiator [5] 4. Critical need for real-time treasury and payments capabilities for instant financial visibility [5] 5. Rising expectations for consumer-grade digital experiences in business banking [5] 6. API-driven connectivity embedding banking into business workflows [5] 7. Expansion of data democratization for small and midsize businesses [5] 8. Increasing demand for mobile-first treasury access with full commercial functionality [5] 9. Shift towards best-of-breed treasury stacks over one-size-fits-all platforms [5] 10. Improvement in usability and control through adaptive, role-based treasury platforms [5] Strategic Implications - Financial institutions that invest in building comprehensive digital sales and service platforms will be well-positioned to enhance client relationships and meet evolving expectations through real-time capabilities and data-driven insights [3].

Core Insights - Alkami Technology, Inc. has expanded its partnership with Grow Financial Credit Union to implement MANTL's Onboarding & Account Opening Solution, enhancing digital banking capabilities and streamlining account opening processes [1][2]. Company Overview - Alkami Technology provides a digital sales and service platform for U.S. banks and credit unions, integrating onboarding, digital banking, and marketing solutions to enhance customer engagement and growth [4]. - Grow Financial is a not-for-profit credit union serving nearly 300,000 members across 26 locations in West Central Florida and South Carolina, focusing on personal and business banking services [5]. Technology Integration - The integration of MANTL into the Alkami Platform aims to create a seamless account opening experience, allowing retail members to open new deposit accounts online in five minutes or less and in-branch within ten minutes [2]. - The partnership is part of Grow Financial's strategy to leverage technology for improving member experience and operational efficiency [2][3]. Industry Recognition - Alkami has been recognized by J.D. Power for providing an outstanding mobile banking platform experience in 2024 and 2025, highlighting its commitment to customer satisfaction [4].

Core Viewpoint - Investors have largely focused on artificial intelligence (AI) in 2025, leading to the neglect of fintech companies like Alkami Technology [1] Company Overview - Alkami Technology operates a cloud-based digital banking platform, primarily serving U.S. community banks and credit unions that lack the resources to develop their own systems [3] - The platform integrates onboarding, digital banking, data, and marketing into a unified solution for clients serving millions of customers [3] Business Model and Financial Performance - Alkami's revenue model is subscription-based, with approximately 96% of revenue derived from recurring sources, mainly from its software-as-a-service (SaaS) model [4] - Annual recurring revenue (ARR) reached $449 million in Q3 2025, showing significant growth from the previous year, providing stability and visibility into future cash flows [5] - Registered users of Alkami's platform increased to 20.9 million, indicating broadening and deepening adoption, which is crucial as pricing is often tied to user growth [6] - Revenue growth has been notable, with Q2 2025 revenue increasing by about 36% year over year and Q3 growth at 31.5% [6] Stock Performance and Market Reaction - Alkami's stock price fell to $21.80, approximately 50% below its highs from late 2024 and early 2025, primarily due to missed earnings estimates in Q2 2025 and cautious management guidance [2][7] - Despite strong revenue growth, the earnings per share did not meet Wall Street expectations, raising concerns about potential slowing growth [7][8]

Core Insights - Citizens State Bank is partnering with MANTL to enhance its retail and business deposit account opening processes, aiming for a unified platform to improve customer experience and operational efficiency [1][2][4] Company Overview - Citizens State Bank is a family-owned community bank in Indiana, established in 1873, focusing on combining traditional banking values with modern technology to provide financial solutions [6][7] Partnership Details - The partnership with MANTL will allow Citizens State Bank to automate over 85% of application decisions, including KYC, AML, and BSA checks, thereby reducing manual processes and accelerating growth [3] - MANTL's technology will enable a consistent and streamlined account opening experience across all channels, enhancing efficiency for staff and simplicity for customers [2][4] Technology and Innovation - MANTL's solutions allow consumers to open new deposit accounts in under five minutes and businesses in under ten minutes, significantly improving the account opening experience [5] - The integration of MANTL's platform with Alkami's existing services will further enhance the bank's digital capabilities [4]