VisiFI

What VisiFI does

VisiFI is a private U.S. banking technology company that provides core banking, digital banking, digital account opening, digital lending, payments, cards, analytics, security, and APIs to credit unions and community banks. Founded in 2000 and headquartered in Hoover, Alabama (with operating presence in Omaha), the company is a subsidiary of Italian technology conglomerate Dedagroup and operates alongside affiliate Innovative Technology, Inc. Its customer base spans small and mid-market credit unions across the United States, with named clients including Public Service Credit Union, Greater Cleveland Community Credit Union, Peach State Federal Credit Union, LincOne Federal Credit Union, Onomea Federal Credit Union, North Alabama Educators Credit Union, and United Consumers Credit Union.

The platform is built on an API-first architecture delivering real-time core processing and more than 60 integrated technology solutions. The flagship "Digital Triple Play" bundles digital banking, digital account opening, and digital lending into a single integrated experience, complemented by a Digital Branch Design Studio that enables credit unions to customize their digital storefront without custom development. VisiFI differentiates its digital banking suite through a behavioral science partnership with Duke University's Center for Advanced Hindsight and through an ecosystem of hundreds of third-party integrations, including Plaid for data aggregation, JD Power for vehicle valuations, Larky for member engagement, and DirectLink for conversational AI member service. VisiFI Security provides 99.99% availability, MFA, biometric login, DDoS protection via Cloudflare, and the company maintains SOC 2 Type 2 certification.

VisiFI employs a sales-led go-to-market targeting credit unions and community banks through direct enterprise field sales, an inside sales team handling inbound demo requests, and a "Request a Demo" CTA on visifi.com. Revenue is generated via multi-year subscription contracts on a quote-based pricing model that varies by institution size and selected solutions; pricing is not publicly disclosed and there are no resellers or channel partners. The company invests in community-building through the Dedapulse annual customer conference (October 26–29, 2025 in Dallas), the T.I.P.P.s podcast, white papers, webinars, case studies, and active participation in industry associations including NACUSO, NCUL, Inclusiv, Corelation, HCUA, and AACUC. In October 2025, VisiFI announced it will merge with fellow Dedagroup subsidiary Share One under the unified brand Deda Sphere Inc., consolidating Dedagroup North America's core and digital banking assets.

Name

VisiFI

Legal name

VisiFI (d/b/a Dedagroup North America, Inc. and Innovative Technology, Inc.)

Website

https://visifi.com

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

251–500 employees

Short description

VisiFI provides core banking, digital banking, account opening, lending, payments, cards, analytics, and security software to credit unions and community banks across the United States. It operates as a subsidiary of Italian technology group Dedagroup under a subscription-based, direct sales-led model.

Ownership category

akta.pro rank

Product category

Core Banking Software

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

akta.pro primary industry

POS, SoftPOS & In-Person Acceptance Infrastructure (FSAGABAO)

akta.pro secondary industry

Digital Wallets & Account Aggregation Hub (Multi-account, Stored Value) (FSAGAAAD)

Keywords

• Core banking platform
• Digital banking solutions
• Credit union technology
• Digital lending software
• Real-time payment processing

Headquarters

HQ city

Omaha

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Subscription / Recurring Revenue: VisiFI provides banking technology solutions to credit unions and community banks on a subscription or recurring contract basis. The company offers an all-in-one core banking and digital banking platform, with services spanning core processing, digital banking, digital account opening, digital lending, payments, cards, and security. Revenue is generated through multi-year contracts with financial institution clients.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels9 records

Core offering

VisiFI provides an integrated core-to-digital banking technology platform for credit unions and community banks in the United States. The platform includes a real-time core banking system, a digital banking suite (with digital account opening and digital lending), payments, cards, retail applications, security, analytics, and an API catalogue, sold on a multi-year subscription basis with direct enterprise sales and custom quote-based pricing.

Product overview

VisiFI is a modular, open, and connected banking solutions platform serving credit unions and community banks. The architecture consists of a Core Banking Platform as the foundation, with Digital Banking Platform as the primary digital layer offering an All-In-One solution that includes Digital Account Opening, Digital Lending, and Payments (Triple Play). Additional modules include Cards and Retail Applications for branch operations, complemented by services for Security, Analytics, and APIs. The platform provides an end-to-end personalized experience from account opening through money movement and lending, powered by behavioral science-backed design and hundreds of integrations with best-in-class partners.

Differentiator

Problem solved

Functional benefit

Products and services

• Core Banking Platform User-friendly and adaptable core banking system providing modern, open front-end and back-end with real-time processing to dramatically improve efficiencies and accelerate growth for credit unions and community banks.
• Digital Banking Platform Open and flexible digital banking platform that integrates with VisiFI core or other cores, offering a best-in-class ecosystem with features account holders expect, backed by behavioral science.
• All-In-One Solution (Total Solutions) An all-in-one, stand-alone solution combining real-time core technology with a relationship-driven user experience, including digital banking, digital account opening, and digital lending (the Digital Triple Play) for credit unions and community banks.
• Digital Account Opening Modern, easy-to-use, fully customized digital account opening solution enabling members to open accounts in minutes with auto-fill from driver's license photo, digital funding, and automated approvals.
• Digital Lending Digital loan application enabling customization and easy navigation, with visualization of member goals, auto-fill from driver's license, JD Power integration for vehicle evaluations, and fully automated underwriting.
• Payments Real-time money movement solution enabling P2P payments and transfers, instant money sending via email or mobile phone, with a powerful risk-management platform integrating fraud detection and authentication measures.
• Cards Integrated debit and credit cards management solution with unified real-time integration to diverse card processors, instant issue cards, real-time reporting tools, and quarterly mandate compliance.
• Retail Applications Day-to-day core retail operations spanning front-end and back-end processing including Account Opening, Teller Applications, Member Management, Retail Transaction Processes, and Cash Management within a Real-Time Core Processing System.
• Security Comprehensive security offering spanning access, environment, transaction, and monitoring defense, providing 99.99% availability, hyper-secure data centers, disaster recovery, and security tools including MFA, biometric login, and DDoS protection via Cloudflare.
• Analytics Data analytics dashboard collecting and presenting data from across business departments including digital banking, lending, and accounting, helping CXOs explore actual performance and determine future strategies.
• APIs API catalogue providing real-world, third-party applications designed to integrate easily and deliver comprehensive modular solutions, enabling credit unions to add functionality without complex development time.

Quantifiable outcome

• 37% increase in P2P digital payment transactions for Public Service Credit Union
• +4 more outcomes

Named customers18 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

Integration4 records

AI capability6 records

Feature10 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• DirectLinkcoreTechnology or Integration · 26 October 2025DirectLink is a Dedapulse Grand Prix Sponsor and presented at Dedapulse 2025 on 'Modern Banking Begins with Smarter Conversations.' Their conversational AI solutions help financial institutions accelerate business by re-imagining member service and digital banking using AI to turn member service into growth engines.
• LarkycoreTechnology or Integration · 4 June 2025Larky and VisiFI partnered to enhance member engagement for financial institutions. Larky's proactive, real-time push notifications integrate with VisiFI's digital banking platform to turn lock-screen moments into measurable growth for credit unions. Larky was a Grand Prix Sponsor at Dedapulse 2025.
• Corporate America Credit UnioncoreStrategic or Co-development PartnerCorporate America Credit Union is a Dedapulse Grand Prix Sponsor. Their Chief Innovation Officer Lisa Coffey presented at the conference on future technology in credit unions. They are a key partner in driving innovation initiatives.
• Duke University's Center for Advanced HindsightcoreStrategic or Co-development PartnerVisiFI partnered with Duke University's Center for Advanced Hindsight to design its digital banking suite, incorporating behavioral science principles into the member experience to drive engagement and healthier financial habits.
• GlideminorGTM or Marketing PartnerGlide is a fintech that helps credit unions attract and onboard Gen Z and millennial members through modern marketing campaigns and a seamless 2-minute account opening experience. Featured on VisiFI's podcast discussing Gen Z onboarding.
• SavvyMoneyminorGTM or Marketing PartnerSavvyMoney sponsored the Country Night event at Dedapulse 2025 at Billy Bob's Texas, part of the Dedapulse social event program.
• PlaidcoreTechnology or IntegrationPlaid serves as a bridge between credit unions and financial apps, facilitating the exchange of account data including account balances and transactions. Discussed on VisiFI's podcast as an important integration for serving younger members.
• Dedagroup / Deda GroupcoreStrategic or Co-development PartnerDedagroup (Deda Group) is VisiFI's parent company — a leading global technology group focusing on financial services, cloud and cybersecurity, AI, and fashion. VisiFI is part of Dedagroup North America alongside Share One and Innovative Technology. VisiFI and Share One are uniting under the new brand 'Deda Sphere Inc.' as of October 2025.

Scale indicators8 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• nCino: nCino delivers a cloud banking platform with digital account opening, lending, and onboarding capabilities to financial institutions, directly competing with VisiFI's digital lending and account opening modules.
• Alkami Technology: Alkami provides a digital banking and data platform purpose-built for credit unions and community banks, making it a close competitor to VisiFI's digital banking, account opening, and lending modules.
• Temenos: Temenos offers core banking, digital banking, and lending software to banks and credit unions worldwide, providing a comparable integrated platform to VisiFI's API-first architecture and modular suite.
• Corelation: Corelation offers the KeyStone core processing platform tailored specifically for credit unions, directly overlapping with VisiFI's core banking offering for the same customer segment.
• MeridianLink: MeridianLink provides digital lending, account opening, and data analytics solutions to financial institutions including credit unions, directly competing with VisiFI's digital lending and account opening products.
• Finastra: Finastra provides core banking, lending, digital channels, and payments software to financial institutions globally, overlapping with VisiFI's platform offering for credit unions and community banks.
• Q2 (a Jack Henry company): Q2 offers a digital banking platform serving regional banks and credit unions, directly overlapping with VisiFI's digital banking and account opening modules. Q2 was acquired by Jack Henry in 2024.
• Jack Henry & Associates: Jack Henry provides core banking, digital banking, and payments technology to community banks and credit unions (including its Symitar credit union division), directly competing with VisiFI's end-to-end platform. VisiFI also lists Jack Henry as a conference sponsor, underscoring the competitive overlap.

Broad incumbents

• FIS: FIS (now part of Global Payments) provides core processing, digital banking, payments, and risk solutions to a broad range of financial institutions including credit unions and community banks, competing with VisiFI across multiple product modules.
• Fiserv: Fiserv is a large incumbent financial technology provider offering core banking, digital banking, payments, and account processing to credit unions and community banks as part of a broad portfolio that competes with VisiFI's integrated suite.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UC5rFWThWX9dbkvOz-X4IS8Q
• Facebookfacebook.com/VisiFIUSA
• LinkedInlinkedin.com/company/visifiusa
• Xx.com/VisiFIUSA

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds

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 VisiFI