Cotribute Expands Jack Henry™ Fintech Integration Network Integrations
- FIN enables Cotribute to
integrate with Enterprise Payment Solutions, Adding to Existing SilverLake System®,
Symitar®, and Banno Digital Platform™ -
ANAHEIM, Calif., Oct. 22, 2025 – Cotribute, the intelligent digital
growth platform for financial institutions, today announced that it has
expanded its participation in the Jack Henry™ Fintech
Integration Network (FIN). Participation
in the program provides Cotribute with
access to Jack Henry’s
technical resources, enabling it to integrate with Enterprise Payment Solutions (EPS).
Cotribute previously completed
integrations with SilverLake System®, Symitar®, and Banno Digital Platform™.
The Fintech Integration Network is designed to help ensure that Jack Henry’s
customers can easily deploy third-party products.
Cotribute’s solution integrates with
EPS, SilverLake, Symitar, and Banno Digital Platform through jXchange™ and/or
SymXchange™ – services-based programming interfaces that enable third-party
fintechs and financial institutions to securely access core data and business
rules. These integrations maintain
data integrity by managing access through a service layer that governs all
interactions, ensuring consistent and secure data exchange across platforms.
Cotribute automatically transfers
funds into newly opened accounts for non-originators; the integration with EPS
orchestrates fund movement across ACH into a General Ledger account. For
ACH-originating institutions, including most Cotribute clients, Cotribute
initiates the ACH directly via their Jack Henry core, and the funds are deposited
into the member or customer account without delay or manual effort.
“Cotribute is delivering
modern, composable solutions for forward-thinking financial institutions,” said
Philip Paul, CEO of Cotribute. “Through the FIN program, we’re helping banks
and credit unions go beyond legacy limitations and create intelligent
onboarding and payment experiences that drive real growth.”
Innovative financial institutions like
First Fidelity Bank and Capitol Credit Union, both clients of Jack Henry and
Cotribute, are leveraging these deep integrations to accelerate digital
transformation and deliver modern experiences at scale.
“Through our partnership
with Cotribute and our Jack Henry Silverlake core relationship, we have a low
friction seamlessly account opening platform for consumers and businesses,”
said John Symcox, Chief Innovation Officer at First Fidelity Bank. “We are just
about to release our experience to originate consumer loans digitally. We
launched digital loan origination in less than 45 days, thanks to Cotribute’s
next-gen code-less configurability, composable architecture, and tight
integration with Jack Henry. It’s allowed us to bring new products to market
faster and operate with a level of innovation that positions us ahead of the
competition.”
“With Cotribute’s
next-gen digital origination platform and AI Growth Agents, integrated deeply
into our Jack Henry ecosystem, we’re growing faster and thinking differently,”
said Pierre Cardenas, CEO of Capitol Credit Union. “In just 90 days, we saw a 59%
increase in new members, $10K average deposits per new member, and the digital
channel became our #1 source of new accounts. Cotribute’s powerful tools and
their seamless integration with Jack Henry are a core part of that success.”
Jack Henry’s FIN takes the customer out of the middle, providing fintechs with direct
access to Jack Henry’s technical
resources and test systems. FIN inclusion is not an endorsement of the
fintech’s product.
About
Cotribute
Cotribute is the Intelligent Digital
Growth Platform for financial institutions and is trusted by the fastest
growing financial institutions. Designed to layer on top of existing core, loan
origination, and digital banking systems, Cotribute enables banks and credit
unions to accelerate account and loan origination, deepen product adoption, and
power AI-driven growth without disrupting existing infrastructure. Cotribute’s
composable platform includes account opening, loan origination, cross-sell
flows, onboarding journeys, and AI Growth Agents that combine deterministic,
generative, agentic and human-in-the-loop AI to deliver measurable impact.
Learn more at www.cotribute.com
About Jack Henry & Associates, Inc.®
Jack Henry™ (Nasdaq: JKHY) is a well-rounded
financial technology company that strengthens connections between financial
institutions and the people and businesses they serve. We are an S&P 500
company that prioritizes openness, collaboration, and user centricity – offering
banks and credit unions a vibrant ecosystem of internally developed modern
capabilities as well as the ability to integrate with leading fintechs. For
nearly 50 years, Jack Henry has provided technology solutions to enable clients
to innovate faster, strategically differentiate, and successfully compete while
serving the evolving needs of their accountholders. We empower approximately
7,400 clients with people-inspired innovation, personal service, and
insight-driven solutions that help reduce the barriers to financial health.
Additional information is available at www....