- FIN enables Cotribute to integrate with Enterprise Payment Solutions, Adding to Existing SilverLake System®, Symitar®, and Banno Digital Platform™ -
Cotribute, the intelligent digital growth platform for financial institutions, today announced that it has expanded its participation in the Jack Henry™ Fintech Integration Network (FIN). Participation in the program provides Cotribute with access to Jack Henry's technical resources, enabling it to integrate with Enterprise Payment Solutions (EPS).
Cotribute previously completed integrations with SilverLake System®, Symitar®, and Banno Digital Platform™. The Fintech Integration Network is designed to help ensure that Jack Henry's customers can easily deploy third-party products.
Cotribute's solution integrates with EPS, SilverLake, Symitar, and Banno Digital Platform through jXchange™ and/or SymXchange™ – services-based programming interfaces that enable third-party fintechs and financial institutions to securely access core data and business rules. These integrations maintain data integrity by managing access through a service layer that governs all interactions, ensuring consistent and secure data exchange across platforms.
Cotribute automatically transfers funds into newly opened accounts for non-originators; the integration with EPS orchestrates fund movement across ACH into a General Ledger account. For ACH-originating institutions, including most Cotribute clients, Cotribute initiates the ACH directly via their Jack Henry core, and the funds are deposited into the member or customer account without delay or manual effort.
"Cotribute is delivering modern, composable solutions for forward-thinking financial institutions," said Philip Paul, CEO of Cotribute. "Through the FIN program, we're helping banks and credit unions go beyond legacy limitations and create intelligent onboarding and payment experiences that drive real growth."
Innovative financial institutions like First Fidelity Bank and Capitol Credit Union, both clients of Jack Henry and Cotribute, are leveraging these deep integrations to accelerate digital transformation and deliver modern experiences at scale.
"Through our partnership with Cotribute and our Jack Henry SilverLake core relationship, we have a low friction seamlessly account opening platform for consumers and businesses," said John Symcox, Chief Innovation Officer at First Fidelity Bank. "We are just about to release our experience to originate consumer loans digitally. We launched digital loan origination in less than 45 days, thanks to Cotribute's next-gen code-less configurability, composable architecture, and tight integration with Jack Henry. It's allowed us to bring new products to market faster and operate with a level of innovation that positions us ahead of the competition."
"With Cotribute's next-gen digital origination platform and AI Growth Agents, integrated deeply into our Jack Henry ecosystem, we're growing faster and thinking differently," said Pierre Cardenas, CEO of Capitol Credit Union. "In just 90 days, we saw a 59% increase in new members, $10K average deposits per new member, and the digital channel became our #1 source of new accounts. Cotribute's powerful tools and their seamless integration with Jack Henry are a core part of that success."
Jack Henry's FIN takes the customer out of the middle, providing fintechs with direct access to Jack Henry's technical resources and test systems. FIN inclusion is not an endorsement of the fintech's product.
About Cotribute
Cotribute is the Intelligent Digital Growth Platform for financial institutions and is trusted by the fastest growing financial institutions. Designed to layer on top of existing core, loan origination, and digital banking systems, Cotribute enables banks and credit unions to accelerate account and loan origination, deepen product adoption, and power AI-driven growth without disrupting existing infrastructure. Cotribute's composable platform includes account opening, loan origination, cross-sell flows, onboarding journeys, and AI Growth Agents that combine deterministic, generative, agentic and human-in-the-loop AI to deliver measurable impact.
Learn more at www.cotribute.com.
About Jack Henry & Associates, Inc.®
Jack Henry™ (NASDAQ:JKHY) is a well-rounded financial technology company that strengthens connections between financial institutions and the people and businesses they serve. We are an S&P 500 company that prioritizes openness, collaboration, and user centricity – offering banks and credit unions a vibrant ecosystem of internally developed modern capabilities as well as the ability to integrate with leading fintechs. For nearly 50 years, Jack Henry has provided technology solutions to enable clients to innovate faster, strategically differentiate, and successfully compete while serving the evolving needs of their accountholders. We empower approximately 7,400 clients with people-inspired innovation, personal service, and insight-driven solutions that help reduce the barriers to financial health. Additional information is available at www.jackhenry.com.
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