Apiture Digital Banking Platform

Apiture is a leading digital banking provider supporting hundreds of community and regional financial institutions across the U.S. Our flexible, highly configurable solutions meet a wide range of financial institutions’ needs, from leveling the playing field with larger institutions to supporting growth through innovative data analysis and embedded banking strategies.

Apiture began in 2017 as a joint venture between First Data Corporation and Live Oak Bank with the goal of empowering financial institution innovation. We’ve had hundreds of clients live from day one, and we’re audited and compliant with FFIEC and SOC 2. With the agility of a startup and operational excellence of a mature company, we offer the best of both worlds.

Since our founding, we have invested more than $100 million in the Apiture Digital Bankign Platform. Our exclusive focus on digital banking means that 100% of our resources and R&D is dedicated to delivering the most modern, innovative online and mobile solutions to our clients. With integrations to more than 200 best-of-breed solutions and an API-first approach that makes it easy to add new partners, we help our clients stand out. Our clients benefit from speed to innovation through a unique development approach that moves client requests to the front of the line, without disrupting our product roadmap. And, we offer unrivaled banking expertise. In fact, 70% of our employees have worked for a bank or credit union, so we understand their business because we've walked in their shoes.

Our mission is to empower financial institutions to know and serve their clients with the care of a traditional community institution at the scale, speed, and efficiency required in today’s digital world. That's why we created a company that combines the personalized attention valued by community institutions with the modern, intuitive digital banking experiences today’s account holders demand.

The Apiture Digital Banking Platform is comprised of five solutions to support the digital banking needs of community and regional banks and credit unions.

Consumer Banking: In our digital-first world, consumers expect their financial institution to deliver a modern, intuitive, fully featured banking experience. Our Consumer Banking solution lets financial institutions deliver the same robust experience as the largest providers without losing the personalized relationship they've built with in their community.

Business Banking: The Apiture solution provides businesses of all sizes with the comprehensive feature set they need with the ease of use they expect. Seamlessly integrated with our Consumer Banking solution, businesses can access their business and retail accounts using a single login.

Digital Account Opening: The highly configurable Apiture Digital Account Opening solution lets consumers and businesses open and fund new checking, savings, money market, or CD accounts in minutes from any device.

API Banking: Our API Banking solution includes a developer portal to empower financial institutions to customize unique banking experiences. This solution also lets clients use our embeddable components to deliver banking services through third-party applications.

Data Intelligence: Our comprehensive solution offers a range of options for financial institutions to boost their marketing and advertising efforts for a highly personalized banking experience. Or, those who prefer a more turnkey approach can receive batch or real-time data feeds for use by in-house teams or technology partners.

Single Platform: Our platform is built on the Amazon Web Services (AWS) cloud with a single code base. That means all our clients are always on the latest release, and they never have to manage or pay for an upgrade.

Secure and Reliable: Our platform delivers unmatched uptime, security, and reliability. In 2023, our platform had only 22 minutes of unplanned downtime; in 2022, we had only 19 minutes of unplanned downtime. Our administrative portal monitors systems 24×7 to identify issues before our clients' end users do — even when the issue stems from a third party.

Established Network of Partners: Understanding the evolving fintech environment can be a daunting task. Apiture does the legwork for our clients by vetting and partnering with today’s most innovative and best-of-breed solution providers. Through partnerships with more than 200 fintechs, we offer choice and flexibility to enable clients to create a digital experience best suited to their unique user base.

Speed to Innovation: Apiture has development teams dedicated to completing client requests, so we can implement new features and integrate with new partners quickly, without disrupting our product roadmap.

Core Agnostic: With more than 40 core integrations, the Apiture platform is ready to support institutions regardless of their current core. Our solutions are built to ensure an easy transition when changing digital banking providers, and at the same time, minimize changes to internal processes.

#1 User-Rated Mobile App: With an average rating of 4.82 on app stores, our clients' end-users have rated our mobile app number one in the industry.