Apiture

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.

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

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

• Digital banking platform
• Business banking solutions
• Consumer banking solutions
• Digital account opening
• API banking technology

Headquarters

HQ city

Wilmington

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Infrastructure, Operations

Revenue model

1. 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.
2. 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

Go-to-market motion1 record

Distribution channels2 records

Marketing channels6 records

Core 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

Named customers10 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration23 records

AI capability7 records

Feature9 records

Partnerships

Nine partnerships are on record, tiered flagship and core.

• CSI (Computer Services, Inc.)flagshipStrategic or Co-development Partner · 22 October 2025CSI 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.
• GreenlightcoreTechnology or IntegrationGreenlight 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.
• GliacoreTechnology or IntegrationGlia 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.
• DefenseStormcoreTechnology or IntegrationDefenseStorm 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 AlertcoreTechnology or IntegrationACH 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)coreTechnology or IntegrationFraudNet 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.
• PlaidcoreTechnology or IntegrationPlaid 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.
• FinicitycoreTechnology or IntegrationFinicity provides data aggregation services integrated through My Data Exchange, enabling account holders to share financial data with third-party applications securely.
• 200+ Fintech PartnerscoreTechnology or IntegrationEcosystem 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

Direct 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

• Xx.com/apiture
• YouTubeyoutube.com/channel/UCsFKYiFY4x752ZIle97dIBQ
• LinkedInlinkedin.com/company/apiture

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Funding overview

Funding rounds4 records

Investors5 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Apiture