Cotribute Platform Overview

Empowering Financial Institutions to Compete and Thrive

Cotribute is the next-generation digital opening and onboarding platform designed to help financial institutions like banks and credit unions deliver seamless onboarding experiences, grow deposits and loans, and achieve operational excellence. With cutting-edge technology and AI-driven intelligence, Cotribute helps you adapt to the fast-changing needs of today’s digital-first customers.

The Cotribute Advantage

Transforming Opening and Onboarding for Financial Institutions

Grow Membership and Deposits

Drive acquisition with personalized, streamlined onboarding.

Boost Loan Growth

Automate loan applications and cross-sell financial products effortlessly.

Enhance Operational Efficiency

Save time and resources with automated workflows and touchless decisioning.

Strengthen Fraud Prevention

Protect your institution with advanced risk detection and customizable fraud rules.

Key Features

Next-Gen Technology for Real Impact

Support for 45+ Financial Products

  • Deposit Products

    From checking accounts to specialized savings products.

  • Loan Products

    Consumer loans, business loans, HELOCs, and more.

  • Wealth Management & Insurance

    Simplify onboarding for IRA accounts, brokerage accounts, and insurance products.

Composable Architecture for Seamless Onboarding

  • Create customized onboarding workflows with code-free configuration.

  • Support consumer, business, and niche products like holiday savings or round-up savings.

  • Easily integrate deposit switching, fraud detection, and real-time compliance updates.

AI-Driven Decision Intelligence

  • Automate approvals and denials with real-time data from credit bureaus and core systems.

  • Leverage 70+ customizable fraud and risk rules for precise decision-making.

  • Integrate features like ID verification, credit scoring, and document management.

Actionable Analytics for Continuous Optimization

  • Get detailed insights to refine onboarding processes and enhance customer journeys.

  • Optimize conversion rates and meet key performance metrics with data-driven adjustments.

  • Utilize the applicant portal, back office portal, and developer portal to gain complete control over configurations. These tools allow institutions to customize workflows and decision rules in real time, ensuring that adjustments informed by analytics are seamlessly implemented for improved outcomes.

Integrations for Ecosystem Optimization

  • Seamless Layering

    Cotribute integrates seamlessly with your existing core banking systems, CRMs, and other enterprise platforms.

  • Leverage Existing Investments

    By layering Cotribute on top of your current ecosystem, you can enhance your existing workflows without requiring disruptive overhauls or replacement of legacy systems.

  • Real-Time API Connections

    Our platform connects with 10+ core systems, enabling instant data sharing and updates to support onboarding, fraud prevention, and compliance.

  • Enhanced Efficiency

    Automate workflows across your ecosystem, reducing duplicate tasks and manual effort while improving collaboration across teams.

  • Future-Ready Scalability

    Cotribute’s flexible integrations allow your institution to grow and adapt, adding new capabilities and workflows as your needs evolve.

Choose Your Priority

Cotribute provides an easy way to start with your most pressing priority and then expand to meet your vision and priorities

Start Your Journey with Cotribute

Deliver Seamless Experiences Today

Cotribute helps financial institutions stay ahead of the competition by offering unmatched configurability, powerful analytics, and next-generation automation. Whether you’re looking to improve operational efficiency, grow your customer base, or launch innovative financial products, Cotribute provides the tools you need to succeed.

Discover the Cotribute difference today and empower your institution to thrive in the digital age.

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Why Cotribute?

Built to Help You Succeed

Cotribute’s platform is purpose-built to empower financial institutions with:

Rapid Deployment

Get live in as little as 30 days with seamless core system integrations.

Proven Results

Achieve measurable outcomes, including:

Modern UX
60%
Increase in conversions
Configurable UX
5X
Increase in new customers
Back Office Process Atuomation
~98%
Automation of Manual Steps
Applications Handled via Auto-Decision
~85%
Automation of Existing Criteria

Flexibility

Start with your top priorities and scale as your needs grow, supporting digital, in-branch, or hybrid models.