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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.

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