How Alkami’s Fall 2026 digital banking release improves payment control, account holder engagement, and operational efficiency.

A best-in-class digital banking experience should guide account holders toward informed decisions, give business accounts greater control over payments, and equip financial institution employees with the visibility they need to keep operations moving.

The Fall 2026 Digital Banking Platform release is built around that promise of turning everyday banking moments into confident action.

From certificate maturity prompts and personalized lending offers to international payment validation, intraday wire reporting, encrypted data extracts, and more flexible MANTL administration, this release connects account holder guidance with the controls and visibility financial institution teams need behind the scenes.

Guiding account holders toward informed decisions

This release gives financial institutions more ways to surface timely information and relevant opportunities inside digital banking. Additionally, these enhancements guide account holders through important financial decisions while creating more meaningful engagement within the digital experience.

Certificate maturity prompts and updated options experience

Account holders with certificate of deposit (CD) accounts nearing maturity will now see a prompt encouraging them to review and select a maturity option. The prompt appears on the Accounts List on the Dashboard and on the Accounts page across desktop and mobile experiences.

The CD maturity experience has also been updated with a modern interface that opens in a sidesheet. Financial institutions can provide additional information about each option, including a link to a rate sheet for renewals.

By surfacing the prompt at the right moment and providing more context, financial institutions can give account holders a clearer path to review and decide what happens next with their funds.

SavvyMoney Mobile Module

The SavvyMoney Mobile Module brings credit scores, alerts, utilization, financial education, and personalized offers together in one mobile experience.

The module gives account holders a more connected way to monitor credit and evaluate relevant financial opportunities within digital banking. Prioritized offers display the most relevant offer first, while pre-qualified and pre-approved offers support more personalized lending engagement and encourage additional loan applications.

Giving business and commercial banking accounts more control over payments

The release expands the Business & Commercial Banking Platform to give clients more control over payment workflows while giving financial institutions stronger visibility and approval controls. These enhancements support more accurate payment initiation, faster recovery from incomplete approvals, and clearer oversight of cash movement throughout the business day.

International IBAN validation

The Digital Banking Platform now supports real-time validation of international payment instructions before a payment is initiated.

Society for Worldwide Interbank Financial Telecommunication (SWIFT) and International Bank Account Number (IBAN) validation gives business and commercial banking accounts an earlier opportunity to verify payment details. By confirming international payment instructions before initiation, financial institutions can reduce avoidable errors and give business clients greater confidence in international payment workflows.

Resubmit expired wires and Automated Clearing House (ACH) transactions

Wires and ACH transactions that expire because they remain pending without completing dual approval can now be resubmitted. Authorized users can re-originate the transaction without re-entering the original information.

This capability reduces repetitive work for business and commercial banking clients and supports faster completion of time-sensitive payments when an approval is delayed or remains incomplete.

Improved read-only access for business wires and business admin

Business wires and business admin now support read-only access for staff with the View-As-User (VAU) Read Only permission.

These staff members can view account information without adding, editing, or canceling wires or making changes in business admin. The expanded read-only experience gives financial institution employees the visibility they need while preserving the controls that limit who can take action.

Additional approvals for adding and deleting authorized users

The release included an additional review step when business and commercial banking accounts are added or removed.

Authorized approvers must approve each request before a new authorized user becomes active or an existing authorized user is removed. This added layer of review strengthens access controls and gives business and commercial banking clients greater oversight of account administration.

Intraday wire reporting

Intraday wire reporting gives business and commercial banking users clearer visibility into wire activity throughout the business day by allowing them to:

• Monitor outgoing wires in real time

• Identify exceptions more quickly

• Track cash movement throughout the day

• Simplify end-of-day reconciliation

• Review historical wire activity for added visibility

By making same-day activity easier to monitor, intraday reporting enables treasury and operations teams to respond sooner and maintain a clearer view of outgoing funds.

Equipping employees with visibility and stronger data controls

The Fall 2026 release adds enhancements to Operational Data & Insights that give financial institution employees more practical ways to investigate activity, collaborate on complex issues, and apply stronger controls to sensitive data extracts. These enhancements extend operational visibility beyond the Platform while giving authorized team members more control over how data extracts are encrypted and delivered.

Recent Activity offline export and auditing

The Recent Activity Widget now supports export for offline review and analysis of extended user history.

Financial institution employees can use exported activity to troubleshoot complex issues, review historical events, and collaborate with support teams outside the Platform. This gives operational and service teams a practical way to investigate activity and maintain a record for follow-up.

PGP file encryption support in the Extract Management Tool

The Extract Management Tool now allows authorized financial institution employees to self-manage Pretty Good Privacy (PGP) file encryption for data extracts delivered from the data lake.

A new global settings interface lets authorized team members manage their public key and configure extract-specific settings. Financial institutions can enforce encryption when files are delivered through Secure File Transfer Protocol (SFTP) or when extracts are downloaded manually.

These controls support more consistent encryption practices while giving authorized employees greater control over how sensitive data extracts are handled.

Reducing operational friction in account movement

With enhancements to the Positive Pay and ACH Reporting Solution, financial institutions have a more structured way to manage account transfers while preserving account history and maintaining visibility throughout the process. The new capability brings key account movement activities into a self-service workflow, reducing manual coordination for financial institution employees.

Positive Pay Move Account

Positive Pay Move Account enables financial institutions to securely transfer accounts between clients through a self-service workflow while preserving account history and providing visibility into transfer status.

Financial institution employees can initiate, edit, cancel, and track account moves. By bringing these activities into a structured workflow, the capability reduces operational overhead and gives teams a clearer view of each transfer from initiation through completion.

Giving MANTL teams more control over interest rates and application sorting

Recent MANTL Onboarding & Account Opening enhancements give financial institution employees more control over interest rate administration and application sorting. These updates reduce manual work, improve visibility, and allow Console admin teams to organize information around the way they manage applications.

Interest Rate Manager

Interest Rate Manager gives Console Admins a centralized view of every configured rate across products and variants, with the ability to export the full rate book to CSV, apply updates offline, and re-import changes in bulk with row-level validation that confirms which rates were added, updated, or removed. Interest Rate Manager enables less manual effort, better visibility, and faster rate management for institutions with many products and variants.

Application Queue enhancements

The Application Queue enhancements give Console users more control over how they navigate their applications, helping teams prioritize applications faster and operate more efficiently. When creating Saved Queues, Console users can now customize displayed columns, reorder information, see application counts at a glance, and organize Saved Queues around the way their team works.

Expanding the Ecosystem: New Alliance Partners

In this release, the Alkami Alliance Partner Program brings together organizations that extend the Digital Banking Platform with integrations for specialized fraud, security, and compliance capabilities. These relationships give financial institutions more options to address specific risk priorities while strengthening their layered security approach and broader ecosystem around digital banking.

This quarter, we are pleased to welcome two new Alliance partners:

Expanding the Ecosystem: New Elements Partners

The Alkami Elements Partner Program gives financial institutions access to specialized fintech capabilities that extend the Digital Banking Platform. Financial institutions can add targeted experiences without building every capability internally. This quarter, we are pleased to announce four new Elements partners:

• Elan Financial Services: To expand digital card servicing, Elan provides credit card capabilities through a standard single sign-on (SSO) experience within digital banking. Account holders can view card information, access statements, make payments, and view rewards, giving financial institutions a more complete digital card experience.
• Convera: To unlock new revenue opportunities from cross-border payments, Convera’s global team of compliance experts, and 60+ regulatory licenses, empower financial institutions to confidently deliver international money transfers and payments. Convera enables account holders to access international payments in more than 140 currencies across over 200 countries and territories. Backed by Convera’s global network, tailored solutions, and white-glove support, the service delivers secure and seamless international money transfers.
• TAPP Engine: To expand embedded wealth capabilities, TAPP Engine enables financial institutions to offer white-label investing, brokerage, and cash management experiences within digital banking. The existing Alkami integration is complete and live, allowing financial institutions to make these capabilities available through the current integration model without requiring new core integration work under this partnership. This gives financial institutions more options for bringing digital investing and cash management into the account holder experience.
• Prizeout: To give account holders more purchasing power while creating a new source of non-interest income for financial institutions, Prizeout provides an embedded digital marketplace directly within a financial institution’s online and mobile banking experience. Personalized offers give users access to exclusive savings on digital gift cards for everyday spending categories like groceries, gas, dining, and retail, encouraging them to return regularly to discover new brands and deals.

Together, Elan, Convera, TAPP Engine, and Prizeout expand the ways financial institutions can serve account holders and access specialized capabilities through the Alkami ecosystem.

Turning everyday banking moments into confident action

The Fall 2026 Digital Banking Platform release brings together enhancements that support:

• Account holders with clearer guidance at important financial moments.

• Business and commercial banking clients with more control over payment initiation, approvals, and cash movement.

• Financial institution employees with stronger visibility into activity, data extracts, account transfers, rates, and applications.

Together, these capabilities enable financial institutions to reduce unnecessary friction, strengthen operational controls, and create more connected digital banking experiences. The result is a platform that supports confident action across the account holder experience and the workflows behind it.

Dive deeper into the Fall 2026 Digital Banking Platform release

For a deeper look at technical specifications and the full release notes, Alkami customers can visit the Alkami Community.

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