COCC
COCC provides proprietary core banking and digital technology solutions, including a .Net core processing platform and modular suite, to community banks and credit unions primarily in the Northeast United States.
- Company typePrivate
- Founded1995
- HeadquartersAvon, United States
- Headcount501–1,000
- GTM typeB2B
- OfferingSoftware
What COCC does
COCC (Connecticut On-Line Computer Center Inc.) is a privately held financial technology company headquartered in Southington, Connecticut, that provides core banking and digital technology solutions to community banks and credit unions primarily in the Northeast United States. The company was founded in 1967 and operates with 501-1000 employees.
COCC's core product is a proprietary .Net-based core processing platform augmented by a modular suite including Digital & Mobile Banking, Cash Management (INSIGHT ACH Manager), Business Intelligence, Card Services, ConnectSuite integration tools, Lending Origination, Item Processing (TrueChecks), Document Management, Oracle-based Financial Accounting, Managed Security Services, and Network Services. The platform exposes advanced APIs that enable integrations with third-party fintech providers including Fiserv (for digital banking on the Experience Digital platform), AvidXchange (AP automation), Digital Onboarding (engagement), Rebolt (payments), and SmartBear (test automation). In the 2024 ABA Core Platforms Survey, COCC was identified as setting the benchmark for core providers nationwide.
The company monetizes through subscription-based core and digital banking technology services plus professional services for implementation and conversion, with quote-based B2B pricing tailored per financial institution. Its go-to-market combines direct sales to community financial institutions with a strategic technology partner ecosystem. The company has filed recurring SEC exempt securities offerings (most recently in 2025) indicating ongoing capital activity, and operates as a cooperative-style organization with long-tenured leadership (CEO Richard Leone has led the company since 2002). Recognized as a Top Workplace in Connecticut for 15 consecutive years, COCC has built a relationship-driven, partnership-led model that prioritizes dedicated implementation teams and a deliberately limited number of conversions per year.
COCC firmographics
Firmographics- Name
- COCC
- Legal name
- Connecticut On-Line Computer Center Inc.
- Website
- https://cocc.com
- Company type
- Private
- Founded year
- 1995
- Operating status
- Operating
- Headcount range
- 501–1,000 employees
- Short description
- COCC provides proprietary core banking and digital technology solutions, including a .Net core processing platform and modular suite, to community banks and credit unions primarily in the Northeast United States.
- Ownership category
- akta.pro rank
COCC industry classification
Industry- Product category
- Core Banking Software
- NAICS
- Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518)
- SIC
- Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- Governance, Risk & Compliance (GRC) Platforms (BPAEAPAA)
Keywords
Where COCC is headquartered
LocationHeadquarters
- HQ city
- Avon
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
COCC business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Core Banking Technology Services: COCC provides core and digital banking solutions to community banks and credit unions through a subscription-based model, offering ongoing technology services, support, and platform access.
- Professional Services: Implementation, conversion support, and ongoing consulting services for financial institutions undergoing core system transitions.
Go-to-market motion2 records
Distribution channels2 records
Marketing channels6 records
COCC product offering
Product offeringCore offering
COCC provides a .NET-based core banking processing platform and integrated digital banking technology solutions to community banks and credit unions. Its platform-plus-modules offering spans core processing, digital and mobile banking, cash management, lending origination, item processing, document management, managed security services, payments, and data analytics, delivered as a long-term partnership with dedicated implementation teams.
Product overview
COCC provides a platform-plus-modules architecture for core banking technology. The Core Banking Solution (.Net core processing platform) serves as the foundation, with integrated modules including Digital & Mobile Banking, Business Intelligence, Cash Management Suite (INSIGHT ACH Manager), ConnectSuite, Card Services, Document Management, Lending Origination, Item Processing (TrueChecks), Cybersecurity & Risk Management, Network Services, Data & Analytics, Payments, Marketing, Managed Services, and Financial Accounting (Oracle Financials). The platform is designed for community banks and credit unions with advanced APIs facilitating fintech integrations.
Differentiator
Problem solved
Functional benefit
Products and services
- Core Banking Solution COCC's .NET core processing platform that processes accounts while enhancing relationships with each contact, whether online, in-branch, or via debit card, for community banks and credit unions.
- Digital & Mobile Banking Advanced integrated platform delivering features, efficiency, and security to position banks and credit unions as market leaders in self-service banking across web and mobile channels.
- Cash Management Suite Cash management offering including the INSIGHT ACH Manager system, delivering flexibility and automation for cash management operations for business customers of community banks and credit unions.
- ConnectSuite Suite of connectivity and integration tools for banking operations, enabling institutions to integrate with fintech providers and back-office systems.
- Card Services Card management and processing services that empower financial institutions to deliver the full branch experience online across debit and credit card products.
- Document Management Document management and workflow automation solution (WorkFlow) that enables financial institutions to model, automate, and optimize essential banking processes.
- Financial Accounting (Oracle Financials) Oracle Financials-based enterprise accounting solution providing highly automated accounting for banks and credit unions.
- Cybersecurity & Risk Management Comprehensive managed security services for financial institutions, including Continuous Security Monitoring, Email Encryption, Managed EDR, Remote Access, Secure Webhosting, and Web Filtering/Internet Security.
- Network Services Full suite of network services for financial institutions, including Backup as a Service, Data Communication, Patching, WAN Monitoring 24x7, and Qualified Multitenant Hoster (QMTH) program.
- Data & Analytics Ensemble of performance monitoring, data analysis, and business intelligence including Executive Dashboards, Marketing Analytics, and Profitability tools for community banks and credit unions.
- Lending Origination Consumer and mortgage loan origination solutions for financial institutions.
- Item Processing (TrueChecks) Check processing and image exchange services for financial institutions, marketed under the TrueChecks brand.
- Managed Services Managed services offering including Recruitment as a Service and Hosted Infrastructure services for financial institutions.
- Payments Comprehensive payment processing and management solutions for community banks and credit unions.
- Marketing Marketing Analytics and Marketing Services offering for financial institutions.
- Business Intelligence Business intelligence suite providing performance monitoring, data analysis, and business process automation with dashboard reporting and profitability analysis for financial institutions.
Quantifiable outcome
- 129% increase in business checking accounts
- +2 more outcomes
Companies that use COCC
Customer profileNamed customers9 records
Segments2 records
Ideal customer profiles2 records
COCC technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
Feature6 records
COCC partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core, strategic and minor.
- SmartBearcoreCOCC became the first enterprise customer to deploy SmartBear's integrated QMetry and Reflect testing capabilities. The integration connects AI-driven test automation with enterprise test reporting, giving COCC full visibility into its end-to-end testing lifecycle. COCC successfully migrated from Zephyr Enterprise over a single weekend.
- Rebolt Financial TechnologycorePartnership to integrate Rebolt's modern payments platform into COCC's digital banking platform, delivering modern payment capabilities for small businesses.
- Digital Onboarding, Inc.strategicPartnership to help financial institutions improve customer engagement and retention. COCC clients gain access to Digital Onboarding's turnkey engagement platform offering personalized lifecycle campaigns, cross-channel engagement tools, and advanced targeting and analytics.
- AvidXchangestrategicStrategic partnership to provide AP automation solutions for community banks and credit unions. The partnership aims to increase operational efficiency and reduce manual work through digital workflows and AI-enhanced software.
- NEACH Payments GroupminorAlex Campbell, First Vice President and Chief Payments Officer at COCC, appointed to NEACH Payments Group Board of Directors, bringing over 27 years of experience in financial technology and payments operations.
- FiservcoreIn December 2024, Fiserv expanded its partnership with COCC to provide digital banking solutions powered by Fiserv's Experience Digital platform for credit unions.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
COCC competitors and assessment
Company assessmentMarket position
Competitive moat5 records
Key highlights7 records
Customer concentration
COCC social profiles
Digital presenceCOCC financial estimates
Financial estimateRevenue estimate
Valuation estimate
COCC leadership team
Management profileNumber of profiles
Profiles18 records
COCC funding detail
Funding detailFunding overview
Funding rounds8 records
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
COCC 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 COCC
What does COCC do?
COCC provides a .NET-based core banking processing platform and integrated digital banking technology solutions to community banks and credit unions. Its platform-plus-modules offering spans core processing, digital and mobile banking, cash management, lending origination, item processing, document management, managed security services, payments, and data analytics, delivered as a long-term partnership with dedicated implementation teams.
Is COCC a public or private company?
COCC is a private company. It is classified as management employee owned and is currently operating.
When was COCC founded?
COCC was founded in 1995. It employs 501 to 1,000 people.
Where is COCC based?
COCC is headquartered in Avon, United States, in the North America region.
How does COCC make money?
Two revenue lines are on record. Core Banking Technology Services are the primary driver. The others are professional Services.
Does COCC have an API?
Yes. COCC's cutting-edge systems are designed with intuitive user interfaces and are fortified by advanced APIs which seamlessly facilitate leading fintech integrations.
What industry is COCC in?
COCC's product category is Core Banking Software. Its primary akta.pro industry code is BPAEAPAA, Governance, Risk & Compliance (GRC) Platforms. Its NAICS code is 518 and its SIC code is 6159.