Cotribute, a digital growth platform for financial institutions, has expanded its participation in the Jack Henry™ Fintech Integration Network (FIN) to include integration with Enterprise Payment Solutions (EPS).
This expansion provides Cotribute with access to Jack Henry’s technical resources, enabling the integration with EPS. Cotribute had previously completed integrations with Jack Henry’s SilverLake System®, Symitar®, and Banno Digital Platform™. The FIN program is designed to facilitate the deployment of third-party products for Jack Henry customers.
Cotribute’s solution integrates with EPS, SilverLake, Symitar, and Banno Digital Platform through jXchange™ and/or SymXchange™—services-based programming interfaces that allow third-party fintechs and financial institutions to securely access core data and business rules. These integrations ensure data integrity by managing access via a service layer that governs all interactions, maintaining consistent and secure data exchange across platforms.
For financial institutions that do not originate ACH, Cotribute automatically transfers funds into newly opened accounts by orchestrating fund movement across ACH into a General Ledger account. For ACH-originating institutions, which include most Cotribute clients, Cotribute initiates the ACH directly through their Jack Henry core, depositing funds into the member or customer account without manual effort or delay.
Philip Paul, CEO of Cotribute, stated, “Cotribute is delivering modern, composable solutions for forward-thinking financial institutions. 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.”
Financial institutions such as First Fidelity Bank and Capitol Credit Union, both clients of Jack Henry and Cotribute, are utilizing these integrations to accelerate digital transformation and deliver contemporary experiences. John Symcox, Chief Innovation Officer at First Fidelity Bank, commented, “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. 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.”
Pierre Cardenas, CEO of Capitol Credit Union, added, “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. 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 program provides fintechs with direct access to Jack Henry’s technical resources and test systems, removing intermediaries. It is noted that FIN inclusion does not constitute an endorsement of a fintech’s product.
Cotribute, headquartered in Anaheim, California, is an intelligent digital growth platform designed for financial institutions. The platform layers on top of existing core, loan origination, and digital banking systems to accelerate account and loan origination, deepen product adoption, and power AI-driven growth without disrupting existing infrastructure. Its 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. Jack Henry & Associates, Inc., an S&P 500 company, provides financial technology to approximately 7,400 banks and credit unions.
