# Tyfone

> Tyfone builds cloud-based digital banking software for US credit unions and community banks. Its nFinia platform combines retail and business banking with staff administration, integrations and emerging AI tools; related payments and lending offerings let institutions add capabilities without replacing their entire digital banking system.

- **Founded:** 2004
- **Headquarters:** Portland, United States
- **Founders:** Siva Narendra (Co-founder and CEO), Prabhakar Tadepalli (Co-founder; president and COO), Tom Spitzer (Co-founder)
- **Products:** nFinia Retail Digital Banking, nFinia Business Digital Banking, Harmoney Management Console, Instant Payment Xchange (IPX), Quick Pay
- **Notable:** Merged with Cubus Solutions in April 2023., Emprise case study reports 30% lower call-center volume and financial-tool engagement rising from 19.2% to 56%., Company homepage advertises 140+ patents; issued versus pending breakdown is not provided there.

## Products & services

- **nFinia Retail Digital Banking** — Consumer online and mobile banking with transfers, card controls, deposits and partner integrations.
- **nFinia Business Digital Banking** — Business account management, cash management, ACH, wires, user permissions and approvals.
- **Harmoney Management Console** — Included administrative console for customer support, configuration and reporting.
- **Instant Payment Xchange (IPX)** — Core-connected gateway to FedNow for instant money movement.
- **Quick Pay** — Loan repayment without a digital banking login, supporting multiple payment methods.
- **Skip-A-Pay** — Self-service loan-payment deferral subject to institutional eligibility rules and fees.
- **Payfinia** — Separate payments entity established around instant payment infrastructure.
- **Loanovia** — Loan servicing and payments business unit offering Quick Pay, Skip-A-Pay and Collect.
- **Fathom / nFinia Reimagined** — Native AI banking intelligence combining institution content, account insights and consent-based actions; first Fathom launch planned with iTHINK Financial for fall 2026.
- **Digital Origination / ATTUNE technology** — Consumer and business account opening, account funding and loan origination, expanded through ATTUNE acquisition.

## Achievements

- Merged with Cubus Solutions in April 2023.
- Emprise case study reports 30% lower call-center volume and financial-tool engagement rising from 19.2% to 56%.
- Company homepage advertises 140+ patents; issued versus pending breakdown is not provided there.
- Company retail product page lists 300+ native financial functions and 200+ partner integrations.
- 2024 Credit Union Times Luminary Award for mobile banking innovation (company announcement).

## Latest updates

- **2026-03** — Launched Loanovia loan servicing and payments business unit.
- **2026-08** — Unveiled nFinia Reimagined with Fathom; release dateline August 26, posted September 1. iTHINK launch expected in fall.
- **2026-09** — Announced ATTUNE acquisition; release dateline September 1, posted September 3.
- **2026-09** — Eltropy authenticated digital support announcement September 10.
- **2026-09** — Array financial security integration announcement September 15.

## Links

- Website: https://tyfone.com/
- LinkedIn: https://www.linkedin.com/company/tyfone/
- Twitter/X: https://twitter.com/tyfone
- YouTube: https://www.youtube.com/channel/UCT4ink6gJ_ygQU2P9iFpRsw/videos
- Instagram: https://www.instagram.com/tyfone/
- Facebook: https://www.facebook.com/tyfoneinc/

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Profile page: https://yespress.io/tyfone
Published by YesPress — https://yespress.io
Last updated: 2026-10-01