Add growth in about 30 days — without replacing the digital banking you already run.
Cotribute layers account opening, consumer and business lending, fraud decisioning, and AI-driven growth on top of your existing core and digital banking, including Alkami and Banno. Narmi is a credible full-suite provider — banking, account opening, fraud, FedNow, open APIs on one codebase — but choosing it means replacing your digital banking stack. Decide which decision you are actually making first.
Comparison last verified: July 2026. Competitor figures come from public sources or the vendors' own published materials — if anything here is out of date, tell us and we will correct it promptly.
Side by side
| Cotribute | Narmi | |
|---|---|---|
| What you are deciding | Add a growth layer to your current core and digital banking | Replace online + mobile banking entirely (Narmi One, single codebase) |
| Digital banking | Works with the provider you have — integrates with Alkami and Banno | Becomes your provider — consumer and business banking on Narmi |
| Implementation | Account opening live in ~30 days (documented: Blue FCU); loan modules 45–60 days by core | Digital banking conversions typically run 3–6 months |
| Member impact | Nothing your members use today changes — new capability is added alongside | Every member migrates to new online and mobile banking |
| Scope included | Deposits + consumer & business lending + fraud & decisioning + 3 AI growth agents, one platform | Banking suite + Narmi Grow account opening + Narmi Guard fraud; ask what is live for lending origination |
| AI | 3 agentic agents (acquisition, cross-sell, relationship growth) in production since June 2025, human-in-the-loop | Ask which AI capabilities are live today vs. roadmap |
| Documented outcomes | Blue FCU: full online account opening live in 30 days. CPM FCU: +32% new accounts and 82% less manual review effort in 90 days. | Full-suite conversions typically run 3–6 months; ask for outcomes by module |
Only on the Cotribute side
- Mid-contract? Start anyway — Cotribute institutions can begin before their existing agreement ends. The details are something we walk through one on one — ask us how.
- Certified real-time core integration — all six Fiserv cores certified by Fiserv; thirteen cores integrated, real-time writes on eleven.
- Three-week integration commitment — any system, given test access and API documentation, at no additional cost.
- Four quadrants on one implementation — consumer and business, deposits and lending.
- Bring your own switching vendor — runs on your own contract at your pricing, with no Cotribute connector fees.
- In-session activation — funding, joint owner, disclosures and deposit switch complete before the applicant leaves.
- Two assigned teams — implementation through 60 days of hypercare, then a quarterly custom analysis with a growth specialist and an optimization team, included.
Why institutions choose Cotribute
You want growth this quarter, not a conversion project. There is no re-platforming risk, no member migration, and no new online banking to train staff on — Blue Federal Credit Union launched a full online account opening platform in 30 days. Lending and three production AI Growth Agents are included rather than a future phase, and CPM Federal Credit Union added 32% more new accounts while cutting manual review effort 82% in 90 days.
Where Narmi genuinely fits
Your board has decided to replace online and mobile banking entirely, and you want a modern suite — banking, account opening, fraud, FedNow, open APIs — from one vendor on one codebase. If full re-platforming is the strategy, Narmi belongs on your shortlist, and you should evaluate them seriously alongside Alkami.
"Our collaboration with Cotribute has truly been lifesaving. We experienced a critical setback with another vendor who could not deliver on their technology promises, and we turned to Cotribute. Cotribute was able to blend speed and professionalism under the tightest of deadlines. Proving to be an excellent strategic partner, we look forward to scaling new heights together."
Kent Richards, Chief Information Officer, Blue Federal Credit Union
Questions for both of us
Put these to Narmi and to Cotribute. Here's how we answer them.
Are we making a growth decision or a re-platforming decision?
Our answer: with Cotribute, a growth decision — your core, online banking, and mobile apps stay exactly as they are, and account opening, lending, and AI growth are added alongside. With a full-suite replacement, the account-opening upgrade rides on a digital banking conversion: bigger prize, bigger project, bigger risk profile. Make sure your committee prices both paths honestly.
What happens to our existing digital banking provider?
Our answer: nothing. Cotribute integrates with Alkami and Banno digital banking, so members move from your existing app into Cotribute-powered flows without noticing a seam. If a vendor's answer is "we replace it," that is legitimate — but it means every member re-enrolls in new online and mobile banking, and that migration belongs in your risk assessment.
How long until we are live, and what does it cost in staff attention?
Our answer: sandbox in about 10 business days; account opening live in ~30 days (documented: Blue Federal Credit Union); loan modules in 45–60 days depending on core. A full digital banking conversion is a larger undertaking and consumes IT, marketing and member-service capacity for its duration. Ask both vendors for documented timelines from named institutions — not estimates.
What's included beyond account opening?
Our answer: on one Cotribute platform — consumer and business account opening, consumer and business lending, 70+ configurable fraud and decisioning rules, and three agentic AI Growth Agents in production since June 2025 (human-in-the-loop, no member data is sent to the models for training). Ask any suite vendor what is live today for lending origination and post-onboarding growth, and at which named customers.
We're mid-contract with our current vendor. Do we have to wait?
Many institutions begin discovery and configuration before their current term ends. The right timeline depends on your existing agreement's notice and exclusivity terms, so we walk through it one on one. Talk with us.
Add growth to the stack you already run
Walk the live demos and the pricing model with us, then bring both vendors your hardest questions.