Cotribute Expands Jack Henry ™ Fintech Integration Network Integrations

Philip Paul

​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.

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