Driving commercial efficiency, secure data connectivity, and automated workflows with the summer 2026 Digital Banking Platform release.

Alkami’s Summer 2026 Digital Banking Platform Release is engineered to accelerate your financial institution’s growth by expanding your digital ecosystem and streamlining high-value workflows. This quarter, we are bringing major enhancements to commercial banking control, introducing seamless open banking connections, and partnering with industry leaders to resolve friction points like fraud and disputes faster than ever before.

Elevating the Business and Commercial Banking Experience

Winning primary business and commercial relationships requires delivering tools that are both powerful and incredibly efficient to use. This release expands our Business and Commercial Banking Platform functionality to help users maintain absolute control over their liquidity and operations without getting bogged down in administrative friction.

Business and Commercial Dashboard Approvals Module

Building on our vision of a modular, flexible dashboard library, we are proud to introduce the new Approvals Module. These customized gadgets allow business and commercial users to easily review and authorize high-frequency transaction requests directly from their home screen. To maximize operational efficiency, the dashboard automatically prioritizes and displays the most urgent pending approvals first.

Automated Clearing House (ACH) & Wires Authorization Details

To further streamline treasury workflows, corporate approvers can now drill into comprehensive ACH and wire payment details directly within the authorization screens. By bringing critical data points immediately into the account holder’s line of sight, this functionality helps businesses significantly reduce manual errors, strengthen internal payment controls, and eliminate unnecessary administrative delays.

Automated File Import Mapping & Wire Upload Enhancements

Managing mass payment files manually is a recipe for operational bottlenecks. We have unified our high-volume file processing workflows to maximize speed and data integrity across ACH, Wires, and Payee ingestion:

• ACH, Wire, and Payee File Mapping: Authorized account holders can specify the exact field placement of critical data points across mandatory and optional fields to create, manage, and scale a large library of reusable templates. Built-in search and filter functionality ensures managing complex business and commercial file formats remains effortless.
• Immediate File Ingestion Validation: To catch errors before they are processed, the Platform instantly cross-references file types, formatting structures, and payment totals right upon upload.
• Streamlined Wire Uploads: We have enhanced the wire ecosystem with permissions-based functionality, restricting high-value transfers strictly to entitled business and commercial users. The module supports traditional file selection as well as a flexible, efficient drag-and-drop interface for simultaneous, multi-wire submissions.

Advanced Risk Mitigation & Financial Reporting Controls

Security and financial transparency must evolve together. We’ve rolled out backend, administrative upgrades designed to insulate business and commercial users against insider fraud while optimizing their accounting workflows:

• Non-Monetary Dual Authorization: To protect businesses from account takeovers, the Platform now enforces strict dual authorization protocols for key non-monetary changes. This includes safeguarding modifications made to client payment methods and updates to internal business and commercial user permissions.
• Pending Transaction Export Visibility: Businesses can now pull a more complete snapshot of their financial health by including pending transactions directly within their account exports. This significantly boosts real-time visibility into current cash flow and fully supports reporting workflows across various formats, including CSV, OFX, QBO, and QFX formats.
• Automated Bank Administration Institute Version 2 (BAI2) File Delivery: To support back-office accounting teams, the Platform can now automatically generate and deliver structured financial reporting data in the universally accepted BAI2 file format for seamless backend reconciliation. Explore how these capabilities fit into the broader market by reading about 10 trends shaping business and commercial banking solutions.

Expanding the Connected Digital Banking Ecosystem

Modern account holders expect their digital banking platform to function as a unified mission control for their financial footprint. This quarter, we have significantly expanded our integrations to bring unmatched flexibility, security, and insight directly into the Digital Banking Platform.

Plaid Integration

We are thrilled to scale Platform capability with Plaid-powered digital connectivity. This multi-tier integration allows financial institutions to enrich their primary offering across three specific areas:

• Plaid Auth: Enables instant, secure external account verification, facilitating faster money movement and reducing friction during initial account setup.
• Plaid Transactions: Supports comprehensive external account aggregation, allowing account holders to view outside balances in one place and positioning your financial institution as their primary financial hub.
• Plaid Enrich: Automatically scrubs messy raw transaction strings into clean, human-readable descriptions coupled with smart, automated categorization to fuel deeper financial insights.

Neural Payments Integration (Embedded P2P)

Keeping transaction volumes within your digital perimeter is critical for driving engagement. Our new Neural Payments partnership embeds real-time person-to-person (P2P) money movement directly into the native mobile and online banking experience. Account holders can send or request funds instantly using nothing more than a mobile phone number or email address, providing flexible settlement choices across major networks.

Array: Financial Wellness & Identity Protection

Deepen account holder value and foster digital loyalty by offering a suite of advanced credit, debt, and identity protection tools deeply integrated with the Alkami Platform:

• Student Loan Aid: Provides a clear, guided framework to help borrowers navigate complex repayment options and safely reduce their monthly student loan liabilities.
• Debt Navigator: Offers a centralized, clear overview of consumer debt alongside personalized, intelligent recommendations on pay-down strategies.
• BuildCredit Rent: Empowers tenants to proactively build positive credit history by reporting on-time rent payments to major credit bureaus.
• Personal Information Protection: Actively protects consumer privacy by scanning data-broker networks and helping account holders scrub their personal information from public people-search websites.

Open Banking: MX & Finicity Integrations

Alkami is deeply committed to supporting safe, modern, and open data sharing. Our secure integrations with industry leaders MX and Finicity are fully backed by Financial Data Exchange (FDX) standards. By replacing outdated credential-sharing practices with secure, token-based access utilizing OAuth 2.0 protocols, account holders gain complete control. Financial institutions looking to navigate this shift can read more about managing security, compliance, and risk within open banking to see how these protocols protect user data. Now, account holders can securely set permissions and determine data access limits to third-party applications, as well as easily view or revoke that access at any time directly within your digital banking platform.

Zelle® Tile Icon and Text Updates

To simplify compliance workflows for your internal teams, Alkami will automatically deploy standardized, approved Zelle® branding across all money movement landing pages. This design enforcement ensures absolute brand consistency regardless of your financial institution’s specific portal theme, helping you effortlessly meet Early Warning Services (EWS) brand audit guidelines.

Data & Marketing: Driving Strategic Growth

Data is only as powerful as the action it drives. Our latest Data & Marketing Solution release focuses on turning behavioral insights into active growth opportunities for your financial institution.

Out-of-the-Box Campaigns: “Ready for Life’s Next Adventure”

Following the Financial Fresh Start campaigns launched in March, we are excited to introduce our newest Out-of-the-Box Campaigns, Ready for Life’s Next Adventure. These are built for consumer lending tied to major life events: RV loans, boat and marine loans, and HELOCs for travel or tuition. Pre-built segments identify the life stage, so marketing teams can quickly deploy relevant loan offers without building from scratch. Here’s what that can look like in practice: a $2.7B credit union generated nearly $2.7 million in loan volume over 12 months through boat and RV campaigns alone ($2 million in boats, $680,000 in RVs). Learn more about maximizing these strategies in our report on using digital banking solutions performance data to deepen retail account holder relationships.

MANTL: Streamlining Onboarding & Account Opening

MANTL continues to evolve Onboarding & Account Opening around four priorities: flexible customer acquisition, configurable decisioning and risk management, operational scale and efficiency, and unified loan origination.

In this release, MANTL introduces enhancements designed to help financial institutions deliver a more seamless experience for applicants while giving teams greater control, efficiency, and flexibility behind the scenes.

Joint Owner Applications

Empowers branch teams to seamlessly capture and add multiple co-applicants to an application right at the start of the origination workflow, improving applicant experience and driving greater branch efficiency.

Multi-Authorized Signer Applications

Increases efficiency for business and commercial account opening by enabling branch teams to easily input and configure entities during initial application creation.

Document Rejection Notifications

Speeds up application resolution and reduces manual back-and-forth by sending automated notifications to applicants when an uploaded file is rejected.

Expanding the Ecosystem: New Elements Partner(s)

The Alkami Elements Partner Program is built for choice and ease, providing financial institutions with agile, cost-effective access to a broad ecosystem of fintech innovators. Financial institutions can quickly deploy specialized tools to meet digital demand without the heavy lift of custom engineering. This quarter, we are proud to announce a new Elements partner:

• Casap: Fraud and dispute handling are notorious cost centers that historically damage consumer sentiment. Casap is an agentic artificial intelligence platform designed to automate the entire dispute management cycle. Embedded seamlessly within your native Alkami environment, Casap cuts overhead costs for dispute handling, lowers fraud losses, and decreases overall time-to-resolution, keeping account holders happy and clear of the call center.

Dive Deeper into the Summer 2026 Digital Banking Platform Release

The Summer 2026 release represents our ongoing commitment to helping you serve better and expand relationships smarter.

For a deep dive into the technical specifications and to view the full release notes, Alkami customers can visit the Alkami Community.

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