COCC

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.

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

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

• Core banking software
• Digital banking platform
• Community bank technology
• Credit union technology
• Banking fintech services

Headquarters

HQ city

Avon

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. 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.
2. 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

Core 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

Named customers9 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature6 records

Partnerships

Six partnerships are on record, tiered core, strategic and minor.

• SmartBearcoreTechnology or Integration · 23 June 2026COCC 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 TechnologycoreTechnology or Integration · 17 June 2026Partnership to integrate Rebolt's modern payments platform into COCC's digital banking platform, delivering modern payment capabilities for small businesses.
• Digital Onboarding, Inc.strategicTechnology or Integration · 1 May 2026Partnership 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.
• AvidXchangestrategicTechnology or Integration · 24 March 2026Strategic 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 GroupminorOthers · 11 March 2026Alex 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.
• FiservcoreTechnology or Integration · 1 December 2024In 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

Market position

Competitive moat5 records

Key highlights7 records

Customer concentration

• Xx.com/coccinsight
• Facebookfacebook.com/coccinsight
• LinkedInlinkedin.com/company/cocc
• Instagraminstagram.com/coccinsight

Revenue estimate

Valuation estimate

Number of profiles

Profiles18 records

Funding overview

Funding rounds8 records

Investors

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 COCC