Data Center
Data Center Inc. (DCI) provides core banking software (iCore360) and digital banking (iCoreGO) to US community banks, credit unions, and sponsor banks on an open, middleware-free Oracle/REST architecture, with the company privately owned by its bank clients since 1963.
- Company typePrivate
- Founded1963
- HeadquartersHutchinson, United States
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What Data Center does
Data Center Inc. (DCI) is a privately-held developer of core banking software founded in 1963 and headquartered in Hutchinson, Kansas. The company is uniquely owned by its bank clients, with several customer executives serving as board members and user group leaders, a governance model that has produced 60+ years of continuous operation and deep alignment with the community banking segment. DCI employs 251-500 people and serves community banks (primary segment), credit unions, de novo banks, digital branches, and sponsor banks across the United States. The company has been consistently ranked in the IDC FinTech Top 100 and has won multiple Best Places to Work in Financial Technology awards (2024, 2026).
DCI's product architecture is anchored by iCore360, a core banking platform built on an Oracle database with .NET infrastructure and open RESTful APIs that enable direct third-party integrations without middleware. The platform is extended by iCoreGO digital banking, GoBanking mobile app, GoDeposits BaaS onboarding, the Piper P2P payment application running on The Clearing House RTP network, the InstaKey private ATM network, and the FrontLine teller solution. DCI augments this stack with a curated partner ecosystem covering AI fraud detection (DataVisor), BSA/AML compliance (RiskScout, replacing the legacy BSA Navigator), payroll connectivity (Atomic), digital loan origination (Hawthorn River with TruStage compliance content), credit and identity services (Array), and managed IT (Integris, RESULTS Technology, Finosec). The platform is certified for SOC 2 Type 2, PCI DSS, FFIEC, CIS Controls, GDPR, and CCPA.
DCI generates revenue primarily through annual subscription and processing fees for iCore360 and iCoreGO, supplemented by transaction-based fees for fintech and BaaS processing and interchange revenue captured by client banks on the InstaKey network. Pricing is quote-based with long-term contracts (10-year terms observed at Three Rivers Bank and First State Bank of Shelby). The go-to-market motion is sales-led and event-driven, anchored by participation in 16+ state community banking association conventions annually, supported by content marketing, customer case studies, and a dedicated fintech acquisition site.
Data Center firmographics
Firmographics- Name
- Data Center
- Legal name
- Data Center Inc.
- Website
- https://datacenterinc.com
- Company type
- Private
- Founded year
- 1963
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Data Center Inc. (DCI) provides core banking software (iCore360) and digital banking (iCoreGO) to US community banks, credit unions, and sponsor banks on an open, middleware-free Oracle/REST architecture, with the company privately owned by its bank clients since 1963.
- Ownership category
- akta.pro rank
Where Data Center is headquartered
LocationHeadquarters
- HQ city
- Hutchinson
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Data Center business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Infrastructure, Operations
Revenue model
- Core Processing Services: Annual licensing and processing fees for iCore360 core banking software, providing the foundational banking operations platform for community financial institutions.
- Digital Banking Solutions: Subscription fees for iCoreGO digital banking platform including mobile banking, online banking, and digital account opening capabilities.
- Fintech Processing: Processing fees for enabling fintech partnerships, BaaS operations, and digital branch services for community banks engaging with technology companies.
- Card Program Revenue (Interchange): DCI enables community banks to capture 100% of interchange income from card programs by operating without middleware, providing significant revenue opportunity for banks.
- ATM/Card Network Services: Private ATM network and card management services through InstaKey, providing card processing and network access for community banks.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Enterprise Core Banking Platform |
| Subscription | Annual | Digital Banking Add-ons |
| Transaction based/ take rate | Pay-as-you-go | Fintech Processing Services |
Go-to-market motion2 records
Distribution channels2 records
Marketing channels5 records
Data Center product offering
Product offeringCore offering
Data Center Inc. (DCI) develops and licenses iCore360, a core banking software platform built on Oracle database with .NET infrastructure and RESTful APIs, alongside the iCoreGO multi-channel digital banking suite. The company provides open-architecture banking technology—including digital account opening, mobile/online banking, real-time payments, fraud detection, BSA/AML compliance, loan origination, and ATM/card network services—primarily to community banks, credit unions, de novo banks, digital branches, and sponsor banks.
Product overview
Data Center Inc. (DCI) offers a unified core banking platform (iCore360) with integrated digital banking, fintech processing, and compliance solutions. The product architecture centers on iCore360 core banking software built on Oracle database with .NET infrastructure and RESTful APIs, supplemented by iCoreGO multi-channel digital banking, GoDeposits BaaS deposit platform, GoBanking mobile app, and Piper P2P payments. DCI differentiates through direct API integrations without middleware, enabling fintech partnerships, sponsor banks, and digital branches. The solution portfolio includes fraud detection (DataVisor), BSA/AML compliance (RiskScout), loan origination (Hawthorn River), payroll connectivity (Atomic), credit management (Array), real-time payments via RTP network, ATM/card management (InstaKey), teller software (FrontLine), and managed IT services through partner Integris. DCI is privately owned by client banks with several serving as board members and user group leaders.
Differentiator
Problem solved
Functional benefit
Brands
- iCore360: Core banking software platform for community financial institutions.
- iCoreGO
- Piper
- GoDeposits
- GoBanking
- InstaKey
- FrontLine
Products and services
- iCore360 Core Banking Software Flagship core banking software platform providing account processing, loan processing, deposit management, and compliance tools for community banks, credit unions, de novo banks, digital branches, and sponsor banks.
- iCoreGO Digital Banking Multi-channel digital banking solution offering online and mobile banking capabilities for retail and business customers of community financial institutions, integrated with the iCore360 core platform.
- GoDeposits Digital deposit and BaaS onboarding platform enabling 90-second account applications, 100% KYC compliance, multiple funding options, and multi-branding capabilities for community banks and fintech partners without middleware requirements.
- GoBanking Mobile App Digital banking application providing cash management functions and mobile banking access for community bank customers, integrated with real-time payment services and Piper P2P application.
- Piper P2P Payments P2P payment application running on The Clearing House RTP network rails, enabling instant fund transfers 24/7/365 for community bank customers, accessible within the GoBanking app.
- FrontLine Teller Software Teller software solution providing frontline banking functionality for tellers and branch staff in community bank branches.
- InstaKey ATM/Card Network DCI's proprietary private ATM network and card management system providing card processing, ATM network access, and related card services for community banks, enabling them to capture 100% of interchange income.
- Fintech Processing Solutions Banking-as-a-Service infrastructure enabling fintech companies and digital branches to access core banking capabilities through DCI's platform without middleware, supporting sponsor banks, digital branches, and BaaS partnerships.
Quantifiable outcome
- Banks capture 100% of interchange income without middleware costs
- +3 more outcomes
Companies that use Data Center
Customer profileNamed customers5 records
Segments5 records
Ideal customer profiles5 records
Data Center technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration13 records
AI capability3 records
Feature7 records
Data Center partnerships and signals
Strategic signalPartnerships
13 partnerships are on record, tiered core and secondary.
- DataVisorcoreDCI partnered with DataVisor to provide AI-powered fraud detection and risk management for community banks. The partnership integrates DataVisor's unsupervised machine learning fraud platform into DCI's iCore360 core banking software, covering ACH, wire, card, and RTP transactions. DCI plans to expand this offering to 200+ clients, with 24/7 fraud detection support.
- IntegrissecondaryDCI established a referral partnership with Integris, an IT Managed Service Provider specializing in financial institutions. Integris provides specialized IT services complementing DCI's core banking solutions with combined expertise for financial institution needs.
- ArraysecondaryDCI partnered with Array to offer credit management (My Credit Manager), identity protection (ID Protect), and financial offers (Offers Engine) to community bank customers, helping consumers monitor credit, protect against fraud, and access relevant financial products.
- RiskScoutcoreDCI partnered with RiskScout, a BSA/AML technology company, to provide community financial institutions with compliance automation for higher-risk markets including fintech, ATMs, MSBs, cannabis, crypto, NRAs, and PEPs. RiskScout replaces DCI's BSA Navigator product with an upgraded platform launching December 2026.
- TruStage Compliance SolutionscoreDCI partnered with TruStage Compliance Solutions to offer digital loan origination with embedded compliance documentation. Combined with Hawthorn River and DCI's GoDeposit platform, the partnership produces compliant loan documents in real-time with preconfigured implementation.
- Hawthorn RivercoreDCI partnered with Hawthorn River to provide digital loan origination solutions that streamline workflow management, automate lending processes, and optimize compliance for consumer and commercial loans. Integration with iCore360 allows direct loan import and booking.
- AtomiccoreDCI partnered with Atomic to offer payroll connectivity enabling direct deposit digitization, income/employment verification, and earned wage access for community bank customers. Atomic's 480+ payroll integrations provide infrastructure for account funding streams without building internal integrations.
- VettercoreDCI acquired and integrated Vetter's digital onboarding solution into DCI's system in 2019. This partnership provided holistic backend onboarding experience for financial institutions and later led to customer discoveries of DCI's solutions.
- Ponce BankcoreDCI partnered with Ponce Bank (Bronx, NY) to provide sidecar core processing for the bank's digital branches and fintech services with a 3-year contract. Using DCI's iCore360 and APIs, the bank eliminates middleware, reducing costs and complexity while enabling easy implementation changes.
- Texas National BankcoreDCI partnered with Texas National Bank ($170M bank in Sweetwater, TX) to launch Bankers Lender, a direct digital bank serving bankers with loan and deposit services through a fully digital platform. DCI provides complete fintech infrastructure without middleware.
- New Horizon BankcoreDCI signed processing agreement with New Horizon Bank (Powhatan, VA) to provide inclusive system for managing customer relationships with high volume fintech transactions. Bank cited DCI's Oracle database, multi-branding capabilities, and API advantages without middleman.
- The Clearing HousecoreDCI connects to The Clearing House's RTP network for real-time payments, enabling instant fund transfers 24/7/365 for community bank customers. DCI was one of the first leading core providers to offer RTP connectivity.
- RESULTS TechnologysecondaryRESULTS Technology is a preferred DCI partner specializing in IT management solutions and CIS Controls implementation for financial institutions. Provides compliance and risk assessments, audit support, and policy documentation for DCI customers.
Scale indicators3 records
Recent moves6 records
Expansion highlights6 records
Data Center competitors and assessment
Company assessmentBroad incumbents
- Fiserv: Fiserv is a large diversified financial technology provider with core banking, digital, payments, and merchant solutions. While much larger and broader than DCI, it directly competes in core processing for community and mid-tier banks through its Premier and DNA platforms.
- FIS (Fidelity National Information Services): FIS is a global fintech incumbent offering core banking (e.g., IBS, Profile), digital banking, payments, and capital markets solutions. It competes with DCI for community bank core processing contracts, especially among larger community institutions.
Direct peers
- Temenos: Temenos is a leading core banking software vendor serving banks and credit unions worldwide. Its cloud-native Transact platform competes with DCI for mid-tier and community bank deals, particularly with credit unions and challenger banks.
- Finastra: Finastra provides core banking, lending, and treasury solutions to community and mid-size banks globally. Its Fusion core platform and open API architecture overlap directly with DCI's iCore360 and RESTful API strategy.
- CUSO Financial Services / Corelation: Corelation provides KeyStone core processing primarily to credit unions. It overlaps with DCI's credit union customer segment and competes for core processing deals among smaller community institutions.
- Jack Henry & Associates: Jack Henry is a leading core banking and technology provider for community and mid-size banks, competing head-to-head with DCI's iCore360 platform. Both serve community financial institutions with integrated core processing, digital banking, and payment solutions, and both emphasize long-term customer relationships.
Emerging players
- Alkami Technology: Alkami is a cloud-based digital banking platform serving US community banks and credit unions. It competes with DCI's iCoreGO digital banking offering, particularly for institutions seeking a modern, API-first experience.
- nCino: nCino offers a cloud-based banking platform with strong loan origination, account opening, and customer onboarding capabilities. It competes with DCI's Hawthorn River lending and GoDeposits onboarding offerings, particularly in the digital transformation of community banks.
- Synctera: Synctera is a banking-as-a-service platform pairing fintechs with sponsor banks. It competes with DCI's fintech processing and GoDeposits offerings in the BaaS and sponsor bank segment, particularly for digital-first and embedded banking use cases.
- Q2 Holdings: Q2 provides digital banking and lending solutions primarily to community and regional banks and credit unions. Its digital banking platform competes with DCI's iCoreGO, and it partners with core processors in a similar go-to-market motion.
Market position
Strengths4 records
Weaknesses3 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Data Center social profiles
Digital presenceData Center compliance and trust
Trust signalCompliance6 records
Data Center financial estimates
Financial estimateRevenue estimate
Valuation estimate
Data Center leadership team
Management profileNumber of profiles
Profiles6 records
Data Center funding detail
Funding detailFunding overview
Funding rounds1 record
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Data Center M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Data Center
What does Data Center do?
Data Center Inc. (DCI) develops and licenses iCore360, a core banking software platform built on Oracle database with .NET infrastructure and RESTful APIs, alongside the iCoreGO multi-channel digital banking suite. The company provides open-architecture banking technology—including digital account opening, mobile/online banking, real-time payments, fraud detection, BSA/AML compliance, loan origination, and ATM/card network services—primarily to community banks, credit unions, de novo banks, digital branches, and sponsor banks.
Is Data Center a public or private company?
Data Center is a private company. It is classified as corporate owned and is currently operating.
When was Data Center founded?
Data Center was founded in 1963. It employs 1 to 10 people.
Where is Data Center based?
Data Center is headquartered in Hutchinson, United States, in the North America region.
How does Data Center make money?
Five revenue lines are on record. Core Processing Services are the primary driver. The others are digital Banking Solutions, fintech Processing, card Program Revenue (Interchange) and ATM/Card Network Services.
Who are Data Center's main competitors?
Broad incumbents on record are Fiserv and FIS (Fidelity National Information Services). Direct peers are Temenos, Finastra, CUSO Financial Services / Corelation and Jack Henry & Associates. Emerging players are Alkami Technology, nCino, Synctera and Q2 Holdings.
Does Data Center have an API?
Yes. DCI offers open RESTful APIs that enable third-party applications to connect to the bank core. The APIs allow third parties to access customer data including account holder name, account type, and transaction details. DCI's open architecture enables integrators to work directly with DCI without middleware, eliminating extra cost and vendor due diligence. The API documentation is self-documenting, dynamically updated, and accessible via HTML-based documentation sites for developers to test API endpoints. A sandbox environment is available for applications to invoke the API using test data. DCI's API supports platform-agnostic operations across MacOS, Windows, and Linux systems. Developer documentation is at fintech.datacenterinc.com.