credit-unions
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FINOFR’s Third Name Explains the Whole Business: How a One-Click Mortgage Reset Became a Lending Control Panel
FINOFR began with a wonderfully narrow promise: let a borrower lower a loan rate without performing the refinance ritual. Seventeen years and two name changes later, that button has become a white-label system for helping community lenders acquire, grow and retain customer relationships.
The Company That Reads Every Bank Website in America So Fintech Vendors Don't Have To
Founders Steve Cotton and Curry Pelot already sold one bank-analytics company to Fiserv. The second time around they decided to index every financial institution in the country - and the software each one quietly runs.
The Startup Betting Your Bank Knows Your House Better Than You Do
Chimney put a home-equity meter inside 180+ banking apps. The pitch to lenders is blunt: your customers are richer than they realize, and you are the last to tell them.
The Bank Vault Went Digital, and a Charlotte Lifer Held the Only Key
Ron Daly spent nearly four decades inside the financial industry before deciding its biggest problem was a filing cabinet. His answer was a digital safe deposit box that even the bank cannot open.
Danial Jameel Is Building AI for the Work Banks Never Put in the Brochure
After turning campus confusion into Ready Education, Danial Jameel reunited with longtime collaborators to tackle a less visible maze: the manual back office of banks and credit unions.
The $2.4 Billion Fintech You Use Without Knowing Its Name
Jack Henry powers the institutions that still know their customers by name. Its next act is moving five decades of banking infrastructure into an open, cloud-native future without asking community banks to surrender the relationship.
TruStage
Born to make a borrower's debt die with the borrower, TruStage now spans life insurance, annuities, embedded loan protection and a credit-union stablecoin. Its real product is the bridge between old financial trust and new financial plumbing.
ScreenSteps
Stop slowing employees down with outdated docs and scattered knowledge. Give them trusted, step-by-step guidance exactly when and where they need it.
DataOceans Makes the Boring Letters From Your Bank Work
The Norcross, Georgia company has spent two decades on the software most founders ignore: the statements, notices, and adverse-action letters regulated industries are legally required to send. It turns out there is a real business in the mail nobody wants.
Doxim
For 25 years the Ontario-born, Michigan-based software company has done the unglamorous work behind your bank statement - turning paper-bound financial communications into omnichannel conversations for thousands of regulated institutions.
DataOceans
The letters your bank sends were probably built by a company you have never heard of. DataOceans wants to make sure you can actually read them - and pay online while you are at it.
Proximitty
Proximitty is the AI operating system for commercial lending. It builds regulator-grade AI agents that chase and ingest borrower documents, spread financials, generate credit memos, monitor covenants, and service loans across their full lifecycle - helping FDIC-insured banks, credit unions, and fintechs underwrite faster and scale their loan books without scaling headcount.
Agora Financial Technologies
Agora Financial Technologies (formerly Agora Services) is a New York-based banking-as-a-service and embedded-fintech provider that lets community banks and credit unions launch modern digital banking products without ripping out their legacy core. Its core-agnostic, cloud-native platform ships white-label mobile apps, card programs, and API access for niche segments like teens, families, gig workers, SMBs, and seniors - typically in weeks rather than the multi-year timelines of traditional core replacements. Founded in 2018 by fintech veteran Arcady Lapiro, the company positions itself as a way for smaller financial institutions to compete with challenger banks on cost and speed.
Eisen
Eisen is a New York-based compliance operations platform that automates escheatment, disbursement, and regulatory reporting for banks, credit unions, fintechs, and crypto companies. Its software tracks state-by-state unclaimed property rules, reaches out to account holders before funds are turned over to governments, and manages payouts and 1099 tax reporting - reducing the manual, error-prone work financial institutions face when handling dormant accounts, stale checks, and account wind-downs.
Illuma
Illuma (Illuma Labs) is a Plano, Texas fintech that secures phone conversations for credit unions and community banks. Its flagship product, IllumaSHIELD, uses AI-powered passive voice biometrics to verify callers in seconds - replacing security questions and PINs - while a dedicated deepfake-detection engine and layered multifactor checks defend contact centers against synthetic-voice and social-engineering fraud.
Total Expert
Total Expert is a Minnesota-based fintech company that builds a purpose-built customer engagement platform for banks, credit unions, mortgage lenders, insurance and wealth firms. Founded by Joe Welu in 2012, its CRM, marketing automation and AI-driven customer intelligence tools help financial institutions unify borrower data, spot lending opportunities in real time, and guide customers across financial milestones. It serves more than 200 financial institutions, including 15 of the top 25 U.S. banks and lenders.
Uptiq
Uptiq is an enterprise AI company purpose-built for regulated financial services. Its platform, Qore, lets banks, credit unions, wealth firms, non-bank lenders and fintechs build and deploy AI agents that automate operational work across lending, wealth, compliance and back-office functions - with document intelligence, a library of financial skills, multi-agent orchestration and secure integrations into existing core systems. Founded in 2022 and led by CEO Snehal Fulzele, Uptiq says more than 140 financial institutions run on its platform, reporting faster underwriting, lower operating costs and higher loan volume without adding headcount.
MeridianLink
MeridianLink is a California-based financial technology company that builds cloud software helping banks, credit unions, and consumer reporting agencies originate loans, open accounts, and verify credit data. Its flagship platform, MeridianLink One, connects consumer lending, mortgage origination, account opening, data verification, and collections into a single system used by roughly 2,000 financial institutions. Founded in 1998, the company went public on the NYSE in 2021 and was taken private by Centerbridge Partners in a roughly $2 billion deal completed in October 2025.
Saris AI
Saris AI builds agentic AI workflow agents that automate the repetitive, high-volume back-office work at banks and credit unions - lending, underwriting, compliance, and operations - without replacing the core systems institutions already run. Founded in 2024 by the ex-Oohlala Mobile team, the Montreal- and San Francisco-based company trains agents on each institution's own workflows to execute multi-step tasks under human supervision. In May 2026 it raised a $28.8M Series A led by 8VC to scale deployments and deepen integrations with partners like Fiserv, MeridianLink, and Encompass.
Milind Borkar
Milind Borkar is the founder and CEO of Illuma, a Plano, Texas company that uses passive voice biometrics and synthetic-voice detection to authenticate callers and stop phone-channel fraud at credit unions and community banks. He holds a PhD in electrical and computer engineering from Georgia Tech, is named on 21 patents, and spent a decade at Texas Instruments launching more than 50 products before founding Illuma in 2016.
Shawn Melamed
Shawn Melamed is the co-founder and CEO of Spiral, a New York fintech that plugs charitable giving into the banking apps of credit unions and community banks. Before Spiral he ran Morgan Stanley's Technology Business Development and Innovation Offices and built two prior fintech companies, StrikeNET (sold to TMX Group) and Correlix. He was named one of The Financial Technology Report's Top 50 Fintech CEOs of 2024.
Clockout
Clockout is a fintech company that lets banks and credit unions offer earned wage access (EWA) directly inside their own mobile and online banking apps, so customers can tap a portion of their pay before payday without waiting on their employer. Founded in 2022 by childhood friends from Venezuela, Clockout started as a traditional EWA service for South Florida restaurant groups, then pivoted in 2024 to become the embedded infrastructure layer - often described as the 'Zelle for earned wage access.' The platform connects to more than 1,600 payroll systems and plugs into major core banking providers including Q2, Jack Henry, Alkami and Candescent, letting an institution launch EWA in roughly ten days. Clockout closed a $2 million seed round in June 2025.
Frich
Frich is a New York-based social finance app for Gen Z that turns money - historically the most awkward topic on earth - into a shared, anonymous conversation. Users answer a daily 'Question of the Day' and benchmark their spending, saving, debt, and parental support against real peers in similar cities and tax brackets. Founded in 2021 by former NYU Abu Dhabi classmates Katrin Kaurov and Aleksandra Medina, Frich has grown past one million users and monetizes through a B2B model, partnering with credit unions and regional banks that want to reach younger members.
Legal Karma
Legal Karma is an Austin-based B2B legaltech company that gives banks and credit unions a white-label engine for offering wills, trusts, and powers of attorney directly to their account holders. It handles the document automation, 50-state attorney-reviewed legal infrastructure, compliance, member support, and marketing so a financial institution can stand up a profitable estate planning department in about four weeks - while keeping 100% of the revenue and ownership of the customer relationship.
ScribeUp
ScribeUp is an AI-powered, embedded recurring-bill and subscription management platform for banks, credit unions and fintechs. Founded by four MIT Sloan MBAs, it started as a consumer subscription manager, grew past 10,000 users, then pivoted to B2B - letting financial institutions embed subscription tracking, automated cancellation and a payment updater directly inside their own apps to deepen customer relationships and win card primacy.
Andreas Wallendahl
Andreas Wallendahl is a co-founder and COO of Tenet, a New York fintech that makes electric-vehicle ownership cheaper by rewiring how EV loans get made. An MIT-trained engineer and former McKinsey consultant who helped build businesses inside Ethereum studio ConsenSys, he now partners with credit unions, green banks and asset managers to originate lower-cost EV financing, and bundles free smart-charging so customers save while they drive. Tenet has raised roughly $73 million in equity plus more than $100 million in committed loan funding.
Jordan Mackler
Jordan Mackler is the CEO and Co-Founder of ScribeUp, an AI-powered embedded subscription management platform helping banks and credit unions give their members full visibility and control over recurring bills. A University of Michigan and MIT MBA graduate who left his MBA program mid-stream to build ScribeUp, Mackler has grown the company from idea to a $3M seed-backed fintech with partnerships across a growing network of credit unions - turning the mundane problem of mystery subscription charges into a strategic retention weapon for financial institutions.
Kory Kelly
Kory Kelly is the co-founder and CEO of Legal Karma, an Austin-based legal tech company that lets banks and credit unions sell wills, trusts, and powers of attorney to their members as easily as opening a checking account. A farm-town Texan turned university lecturer turned founder, Kelly has grown Legal Karma from a rejected idea pitched to skeptical lawyers into a B2B2C platform powering estate planning for over 100 financial institutions.
Prelim
Prelim is a San Francisco-based fintech building white-labeled, no-code software that helps banks and credit unions open deposit accounts, originate loans, and service customers online. Founded in 2017 by Heang Chan and Chris Blaser out of Y Combinator, Prelim powers consumer and business onboarding for institutions like First Republic, Pacific Western, and City National Bank of Florida, with 50+ integrations into core banking systems.
Casap
Casap is an AI-native platform that automates the entire payment dispute and fraud-operations lifecycle for banks, credit unions, and fintechs. Its agentic AI handles disputes from intake to chargeback, scores first-party fraud, and keeps institutions compliant with Reg-E, Reg-Z, NACHA, and card-network rules. Founded in 2022 by former Robinhood and Chime product leaders, Casap reports a 51% reduction in fraud losses, a 97% chargeback win rate, and 3x faster resolution, and raised a $25M Series A in 2025 to reach $33.5M in total funding.