Apiture
Apiture provides an API-first digital banking platform serving more than 300 U.S. community banks and credit unions, integrating with 40+ core banking systems and 200+ fintech partners. Founded in 2017 as a joint venture between First Data Corporation and Live Oak Bank, the company was acquired by CSI in October 2025.
- Company typePrivate
- Founded2017
- HeadquartersWilmington, United States
- Headcount251–500
- GTM typeB2B
- OfferingSoftware
What Apiture does
Apiture is a digital banking software company that provides an API-first, core-agnostic platform to U.S. community banks and credit unions. Founded in 2017 as a joint venture between First Data Corporation and Live Oak Bank and headquartered in Wilmington, North Carolina, the company was acquired by CSI (Computer Services, Inc.) in October 2025 and operates as a subsidiary within CSI's financial software portfolio. Apiture serves more than 300 financial institutions across consumer, business, and digital account opening workflows.
The platform is built as a SaaS solution hosted on Amazon Web Services with an API-first architecture that integrates with 40+ core banking systems and 200+ fintech partners. Core product modules include Consumer Banking (mobile, financial wellness, family banking via Greenlight, money movement, fraud prevention), Business Banking (treasury, cash management, payments, business insights, fraud prevention), Digital Account Opening (KYC/KYB, identity verification, core-integrated account creation), API Banking (Developer Portal with OpenAPI definitions, Fintech Connector, My Data Exchange with Plaid and Finicity), and a Data Intelligence suite (Data Portal, Data Engage, Data Direct). The platform achieved 99.996% uptime in 2025, holds SOC 2 Type 2 and FFIEC compliance certifications, and in November 2025 launched an AI-powered user interface for predictive personalization and real-time guidance. Notable integrations include DefenseStorm for fraud detection, Glia for digital customer service, ACH Alert for positive pay, and Zelle/RTP/FedNow for money movement.
Apiture operates a subscription-based SaaS revenue model with annual billing and quote-based pricing tailored to institution size and feature requirements, complemented by implementation and professional services revenue tied to core integration, fintech partner onboarding, and customization. The go-to-market is a direct enterprise field-sales motion targeting CEOs, CIOs, and digital banking executives at U.S. community and regional banks and credit unions, supplemented by inside sales for mid-market accounts and channel marketing through the 200-partner fintech ecosystem. All operations are domestic, with offices in Wilmington, NC and Austin, TX.
Apiture firmographics
Firmographics- Name
- Apiture
- Legal name
- Apiture, Inc.
- Website
- https://apiture.com
- Company type
- Private
- Founded year
- 2017
- Operating status
- Acquired
- Headcount range
- 251–500 employees
- Short description
- Apiture provides an API-first digital banking platform serving more than 300 U.S. community banks and credit unions, integrating with 40+ core banking systems and 200+ fintech partners. Founded in 2017 as a joint venture between First Data Corporation and Live Oak Bank, the company was acquired by CSI in October 2025.
- Ownership category
- akta.pro rank
Apiture industry classification
Industry- Product category
- Digital Banking Platform
- NAICS
- Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518210), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518), Computer Systems Design and Related Services (54151)
- SIC
- Services-Prepackaged Software (7372), Services-Computer Programming, Data Processing, Etc. (7370)
- akta.pro primary industry
- Bank Connectivity & Channels (Host-to-host, SWIFT, APIs, EB portals) (FSABAIAF)
- akta.pro secondary industries
- Open Banking APIs & Connectivity (FSAMAFAA), API Management Platforms (API Gateways, Developer Portals) (HDAEAIAA), API Management & Gateways (BPAMAOAA)
Keywords
Where Apiture is headquartered
LocationHeadquarters
- HQ city
- Wilmington
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Apiture business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Infrastructure, Operations
Revenue model
- Digital Banking Platform Subscription: SaaS platform licensing model providing digital banking solutions to financial institutions. The platform serves as the primary revenue stream, offering consumer banking, business banking, API banking, and data intelligence solutions on a subscription basis to banks and credit unions.
- Implementation and Professional Services: Implementation services for deploying the digital banking platform, including integration with core banking systems, fintech partner connections, and customization services.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Enterprise digital banking platform for financial institutions |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels6 records
Apiture product offering
Product offeringCore offering
Apiture provides an API-first, core-agnostic digital banking platform that enables community banks and credit unions to deliver consumer banking, business banking, digital account opening, API banking, and data intelligence experiences. The platform integrates with 40+ core banking systems and 200+ fintech partners, offering AI-powered personalization, money movement, fraud prevention, and embedded banking technology on a SaaS basis to U.S. financial institutions.
Product overview
Apiture is a digital banking solutions provider offering a comprehensive platform with multiple integrated modules designed for community and regional banks and credit unions. The core Apiture Digital Banking Platform supports Consumer Banking (featuring AI-driven personalization, financial wellness, family banking via Greenlight, money movement, and fraud prevention), Business Banking (with treasury management, cash management, payments, and fraud protection), Digital Account Opening (for consumer and business accounts), API Banking (for custom integrations via Developer Portal, Fintech Connector, and My Data Exchange), and Data Intelligence (comprising Data Portal, Data Engage, and Data Direct analytics modules). The platform integrates with 200+ fintech partners including Glia, DefenseStorm, Zelle, Plaid, Greenlight, and SavvyMoney, connecting to 40+ core banking systems. Apiture was acquired by CSI in October 2025.
Differentiator
Problem solved
Functional benefit
Products and services
- Apiture Digital Banking Platform Core platform providing modern digital banking solutions for community and regional banks and credit unions, spanning consumer banking, business banking, digital account opening, API banking, and data intelligence capabilities.
- Consumer Banking Feature-rich online and mobile banking solution for retail account holders of partner financial institutions, including financial wellness, family banking, money movement, fraud prevention, digital customer support, and AI-driven personalization.
- Business Banking
Quantifiable outcome
- $4 billion in collective new deposits from three clients in one year
- +3 more outcomes
Companies that use Apiture
Customer profileNamed customers10 records
Segments3 records
Ideal customer profiles3 records
Apiture technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration23 records
AI capability7 records
Feature9 records
Apiture partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered flagship and core.
- CSI (Computer Services, Inc.)flagshipCSI completed acquisition of Apiture in October 2025, combining CSI's core banking, customer engagement, and lending platform with Apiture's digital banking suite. The acquisition aims to create an end-to-end platform for financial institutions and expands CSI's team with Apiture's digital banking experts. The combined company helps financial institutions drive awareness, offer comprehensive solutions, deliver seamless onboarding, and foster retention.
- GreenlightcoreGreenlight powers Apiture Family Banking, a financial literacy tool helping kids become financially savvy with parents allocating funds to spending, saving, and giving buckets. Families benefit from debit cards, allowance automation, chore management, and instant money transfers.
- GliacoreGlia provides digital customer service platform integrated with Apiture's digital banking, offering onscreen communication, collaboration, automation, and co-browsing capabilities including chat, voice, video, and text support.
- DefenseStormcoreDefenseStorm GRID Active Fraud Detection integrated with Apiture to constantly gather, analyze, and report on evolving cyber risk, enabling institutions to block suspicious activity, execute step-up authentication, and take automated action.
- ACH AlertcoreACH Alert provides single end-to-end platform for Check and ACH Positive Pay solutions, with fully integrated dashboard for business banking clients to make payment decisions when suspicious activity occurs.
- Fiserv (FraudNet with Risk Assist)coreFraudNet with Risk Assist within Fiserv Checkfree Bill Pay analyzes transactions in real time to block known and suspect fraud activities, with FraudNet Specialist team contacting users to validate payments.
- PlaidcorePlaid integration through My Data Exchange allows account holders to link financial accounts to third-party budgeting, lending, and accounting apps with secure API connections replacing legacy screen-scraping.
- FinicitycoreFinicity provides data aggregation services integrated through My Data Exchange, enabling account holders to share financial data with third-party applications securely.
- 200+ Fintech PartnerscoreEcosystem of over 200 fintech partners integrated with the Apiture platform through Fintech Connector, including Alacriti, Alloy, Deluxe, ENACOMM, IDology, MeridianLink, Mambu, MX, Neural Payments, and SavvyMoney. Partners gain marketplace visibility and single-connection integration to Apiture's client base.
Scale indicators12 records
Recent moves7 records
Expansion highlights5 records
Apiture competitors and assessment
Company assessmentDirect peers
- Alkami Technology: Cloud-based digital banking platform serving community and regional banks and credit unions in the U.S. Alkami merged with Q2 in 2025, making it one of the largest direct competitors to Apiture in exactly the same target segment.
- NCR Voyix (Digital Banking): Provides digital banking software (formerly NCR Digital Banking) to community banks and credit unions, with a comparable core-agnostic, API-led architecture and similar enterprise sales motion targeting U.S. financial institutions.
- Jack Henry (Banno Digital Platform): Jack Henry's Banno platform delivers consumer and business digital banking to community banks and credit unions. As an incumbent core + digital stack, it competes head-to-head with Apiture in the same SMB financial institution segment.
- Lumin Digital: Cloud-native digital banking platform purpose-built for U.S. credit unions and community banks, offering consumer/business banking, money movement, and fintech integrations analogous to Apiture's product surface.
- Candescent: Digital banking software provider (originating from NCR's banking software spin and Finastra assets) serving community and mid-size banks with consumer and business digital channels overlapping Apiture's offerings.
Emerging players
- Tyfone: Digital banking and digital account opening platform focused on community financial institutions and credit unions. Smaller scale than Apiture but with overlapping product capabilities targeting the same niche.
Broad incumbents
- Fiserv: Global payments and financial technology incumbent offering core, digital banking (Mobiliti/Output Solutions), bill pay, and risk solutions. Competes with Apiture as part of a much broader banking technology portfolio.
- FIS: Large-scale banking and capital markets technology provider offering Digital One and other digital banking suites. Competes with Apiture across enterprise and community bank segments through bundled solutions.
- Temenos: Global banking software vendor offering digital front-end, core, and analytics products. Competes with Apiture especially in credit unions and mid-size banks and brings broader geographic reach (EMEA, APAC).
Others
- CSI (Computer Services, Inc.): Provider of core banking, lending, and customer engagement software that acquired Apiture in October 2025. Post-acquisition CSI is both parent and the closest comparably scoped platform partner now bundling Apiture's digital front-end with CSI's core.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Apiture social profiles
Digital presenceApiture compliance and trust
Trust signalCompliance2 records
Apiture financial estimates
Financial estimateRevenue estimate
Valuation estimate
Apiture leadership team
Management profileNumber of profiles
Profiles7 records
Apiture funding detail
Funding detailFunding overview
Funding rounds4 records
Investors5 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Apiture M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Apiture
What does Apiture do?
Apiture provides an API-first, core-agnostic digital banking platform that enables community banks and credit unions to deliver consumer banking, business banking, digital account opening, API banking, and data intelligence experiences. The platform integrates with 40+ core banking systems and 200+ fintech partners, offering AI-powered personalization, money movement, fraud prevention, and embedded banking technology on a SaaS basis to U.S. financial institutions.
Is Apiture a public or private company?
Apiture is a private company. It is classified as corporate owned and is currently acquired.
When was Apiture founded?
Apiture was founded in 2017. It employs 251 to 500 people.
Where is Apiture based?
Apiture is headquartered in Wilmington, United States, in the North America region.
How does Apiture make money?
Two revenue lines are on record. Digital Banking Platform Subscription is the primary driver. The others are implementation and Professional Services.
Who are Apiture's main competitors?
Direct peers on record are Alkami Technology, NCR Voyix (Digital Banking), Jack Henry (Banno Digital Platform), Lumin Digital and Candescent. Tyfone is listed as an emerging player. Broad incumbents are Fiserv, FIS and Temenos. CSI (Computer Services, Inc.) is listed as an others.
Does Apiture have an API?
Yes. Apiture offers a comprehensive API-first platform enabling financial institutions to create unique digital banking experiences using embedded banking technology, events, and APIs. The Developer Portal provides resources including technical documentation, OpenAPI definitions, example use cases, and sandbox access for implementation planning. Financial institutions can provision and customize their experience through the portal. Developer documentation is at developer.apiture.com.
What industry is Apiture in?
Apiture's product category is Digital Banking Platform. Its primary akta.pro industry code is FSABAIAF, Bank Connectivity & Channels (Host-to-host, SWIFT, APIs, EB portals), with a secondary code of FSAMAFAA, Open Banking APIs & Connectivity. Its NAICS code is 518210 and its SIC code is 7372.