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A comprehensive digital banking platform offering retail and business banking functionalities, including account opening, financial management, bill payment, P2P transfers, and data analytics, all delivered through a modern, intuitive interface.
Online and mobile banking applications that allow customers to access their accounts, make transactions, and manage their finances remotely.
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Mobile App Availability Whether the platform offers a dedicated mobile application for iOS and Android devices |
Official Alkami documentation mentions mobile apps for both iOS and Android. | |
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Responsive Web Design Whether the web platform automatically adjusts to different screen sizes and devices |
Alkami emphasizes modern, responsive UI in marketing materials. | |
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Biometric Authentication Support for fingerprint, facial recognition, or other biometric login methods |
Biometric login (fingerprint & face unlock) shown in Alkami mobile app documentation. | |
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UI Customization Ability for users to personalize their dashboard, widgets, and interface elements |
User dashboard personalization and widget customization are supported per product demos. | |
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Accessibility Compliance Adherence to WCAG or similar accessibility standards for users with disabilities |
Alkami claims WCAG 2.0 accessibility compliance on its website. | |
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Dark Mode Support Option for users to switch to a dark color scheme to reduce eye strain |
Alkami UI offers dark mode option per user settings documentation. | |
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Multi-language Support Number of languages available for users to interact with the platform |
No information available | |
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Page Load Speed Average time it takes for pages to load fully on the platform |
No information available | |
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Single Sign-On (SSO) Ability to use one set of login credentials across multiple services or platforms |
Alkami supports SSO via SAML and OAuth for client institutions. | |
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Push Notifications Support for sending real-time alerts to users' devices |
Real-time push notifications available for transaction and security alerts. | |
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In-app Chat Support Live chat functionality for customer service directly within the platform |
In-app chat support available for banking clients and their customers. | |
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Voice Banking Integration Integration with voice assistants like Alexa, Google Assistant, or Siri |
Voice assistant integration with Alexa and Google Assistant announced in PR and materials. | |
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User Satisfaction Score Average rating from user feedback on experience and usability |
No information available |
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Real-time Balance Updates Whether account balances are updated in real-time as transactions occur |
Balances update in real-time as part of Alkami platform features. | |
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Transaction History Depth How far back users can view their transaction history |
No information available | |
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Transaction Search Ability to search through past transactions using various filters |
Transaction search with multiple filters is a key capability of Alkami. | |
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Transaction Categorization Automatic categorization of transactions (e.g., groceries, utilities) |
Automatic transaction categorization (PFM features) is included. | |
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Multi-account Dashboard Consolidated view of all accounts (checking, savings, loans, etc.) in one interface |
Multi-account view (checking/savings/loans) is a standard dashboard feature. | |
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Account Nickname Customization Ability for users to rename accounts with personalized labels |
Users can set custom nicknames per Alkami user guides. | |
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Statement Generation Ability to generate and download account statements for specific periods |
Statement downloading (PDF, CSV) available as per documentation. | |
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Tax Document Access Availability of tax-related documents (e.g., 1099-INT) within the platform |
Tax forms (like 1099-INT) are accessible online per Alkami compliance materials. | |
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Account Closure Self-service functionality to close accounts without visiting a branch |
Account closure requests available digitally (though subject to institution process). | |
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Account Alerts Customizable notifications for account activities (e.g., low balance) |
Customizable account alerts (balance, transactions, etc.) are configurable. | |
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External Account Linking Ability to connect and view accounts from other financial institutions |
External account aggregation (Plaid, Yodlee, etc.) for viewing external balances. | |
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Account Opening Ability to open new accounts entirely through the digital platform |
Account opening (retail & business) is available fully digital per Alkami site. |
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Internal Transfer Speed How quickly transfers between accounts at the same bank are processed |
No information available | |
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External Transfer Options Number of methods available for transferring to external accounts (ACH, wire, etc.) |
No information available | |
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Bill Pay Service Functionality to schedule and manage payments to service providers and billers |
Bill pay function is core to Alkami, as listed in feature set. | |
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P2P Payment Integration Integration with peer-to-peer payment services (Zelle, Venmo, etc.) |
Alkami supports Zelle integration for P2P payments, as seen in client press releases. | |
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Recurring Transfers Ability to set up automatic, repeating transfers between accounts |
Recurring (scheduled) transfers supported via UI. | |
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Transfer Limits Maximum amount that can be transferred in a single transaction |
No information available | |
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International Wire Support Ability to initiate and track international wire transfers |
International wires available if enabled by the FI on Alkami platform. | |
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Real-time Payments Support for instant payment networks like RTP or FedNow |
Integration with RTP and/or FedNow indicated in product updates. | |
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QR Code Payments Support for generating or scanning QR codes to initiate payments |
Integrated QR code payment supported in newer Alkami releases. | |
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Mobile Check Deposit Functionality to deposit checks by taking photos with a mobile device |
Mobile deposit feature demonstrated in marketing and app screenshots. | |
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Bill Payment Reminders Proactive notifications about upcoming bill payments |
Bill payment reminders via push/email/SMS supported. | |
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Transfer Templates Ability to save transfer details for frequent transactions |
Frequently used transfer templates are available for users. | |
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Payment Status Tracking Ability to track the status of payments and transfers in real-time |
Status tracking for pending/scheduled payments is included. |
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Multi-factor Authentication Requiring multiple forms of verification before granting account access |
Alkami requires MFA for user sign-in and key actions. | |
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Encryption Level Strength of encryption used to protect data (e.g., 128-bit, 256-bit) |
No information available | |
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Automatic Session Timeout Whether the system automatically logs users out after a period of inactivity |
Session timeout after inactivity is part of Alkami's security controls. | |
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Device Recognition System can identify and flag logins from new or unrecognized devices |
Device registration, recognition and security challenge described in security documentation. | |
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Fraud Monitoring Active monitoring systems that detect and flag suspicious activities |
Fraud monitoring and behavioral analytics tools are advertised for FIs. | |
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Transaction Verification Secondary verification required for high-risk or unusual transactions |
Transaction verification and step-up authentication for high-risk actions included. | |
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Card Controls Ability to freeze/unfreeze cards, set usage limits, or restrict geographical usage |
Card freeze/unfreeze, spending limits and controls for issued cards are standard product features. | |
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Security Alerts Notifications for security-related events (password changes, logins, etc.) |
Security-related alerts (e.g., logins, password changes) are supported. | |
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Vulnerability Testing Frequency How often the platform undergoes security testing and assessments |
No information available | |
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Fraud Guarantee Financial protection offered to customers in case of fraudulent transactions |
Fraud reimbursement for unauthorized transactions described in disclosures. | |
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Privacy Controls User options to control data sharing and privacy preferences |
User privacy controls and opt-outs are described in privacy policy and UI settings. | |
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IP Blocking Ability to block access from suspicious IP addresses or regions |
No information available | |
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Compliance Certifications Number of security and compliance certifications held (PCI DSS, ISO 27001, etc.) |
No information available |
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Spending Analysis Tools that analyze and visualize spending patterns across categories |
Spending analysis is part of Alkami's PFM feature set. | |
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Budgeting Tools Features that help users create and monitor budgets |
Budgeting functionality included within the PFM module. | |
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Financial Goal Setting Ability to set and track progress toward financial goals |
Users can set financial goals and subgoals, and track progress. | |
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Net Worth Tracking Calculation and visualization of overall financial position |
Net worth calculator view available for users with aggregated accounts. | |
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Cash Flow Forecasting Prediction of future account balances based on recurring transactions |
Cash flow forecasting based on history and planned transactions. | |
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Automated Savings Tools that automatically move money to savings based on rules or AI |
Automated rules-based savings features promoted in Alkami PFM modules. | |
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Investment Tracking Ability to monitor investment performance within the platform |
Investment account tracking (including external linked accounts) is included. | |
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Financial Health Score Personalized scoring system to assess overall financial wellbeing |
Alkami platform onboards users with financial health scoring methods. | |
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Debt Payoff Planning Tools to create and optimize strategies for debt reduction |
Debt payoff calculators and planning available in Alkami platform. | |
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Bill Negotiation Services Features that help users identify and reduce recurring expenses |
Bill negotiation and subscription management tools are available in enhanced PFM. | |
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Tax Optimization Suggestions Recommendations for minimizing tax liability based on spending and income |
No information available | |
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Financial Education Content Availability of educational resources about financial topics |
Financial education content offered within platform resources and UI. | |
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Subscription Tracking Identification and management of recurring subscription payments |
Recurring subscription tracking is highlighted as a PFM feature. | |
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Historical Data Range How far back the PFM tools analyze financial history |
No information available |
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Credit Score Access Free access to credit score information within the platform |
Free credit score access offered via integration with bureaus. | |
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Credit Score Simulator Tools that show how different actions might affect credit scores |
Credit score simulator included in PFM module. | |
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Loan Application Process Ability to apply for loans entirely through the digital platform |
Online digital loan applications are a supported workflow. | |
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Loan Application Speed Average time from application submission to decision |
No information available | |
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Pre-qualification Tools Features that assess eligibility for products without affecting credit score |
Pre-qualification workflow supported via soft credit check. | |
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Loan Management Tools to view, manage, and make extra payments on existing loans |
Users can view loan details, make extra payments, and manage loans online. | |
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Credit Card Management Specialized tools for managing credit card accounts and rewards |
Credit card management features and reward tracking are integrated for FIs offering cards. | |
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Interest Rate Comparison Features that compare available interest rates across products |
Interest rates and rate comparison tools offered as part of digital origination. | |
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Debt Consolidation Tools Resources to help combine multiple debts into a single loan |
Debt consolidation tools available in the platform. | |
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Automatic Payment Options Setup for automatic loan or credit card payments |
Automatic payment setup for loans and credit cards available. | |
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Credit Limit Increase Requests Self-service tools to request higher limits on credit products |
Credit limit increase request is possible for participating FIs through Alkami. | |
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Personalized Loan Offers Customized lending offers based on the customer's financial profile |
Personalized loan offers are generated based on user profile and history. | |
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BNPL Integration Integration with Buy Now, Pay Later services for purchases |
Buy Now, Pay Later integrations possible via FI configuration (e.g., with providers like Afterpay). |
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In-app Chat Support Live chat functionality directly within the platform |
In-app customer support chat is a noted feature. | |
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AI Chatbot Assistance Automated conversational interface for answering questions and solving issues |
AI chatbot (FAQ and support) demonstrated on client sites. | |
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Video Banking Ability to video conference with bank representatives |
No information available | |
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Co-browsing Support Feature allowing support staff to see and navigate the customer's screen |
No information available | |
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Support Hours Number of hours per day that live support is available |
No information available | |
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Self-service Knowledge Base Searchable repository of help articles and guides |
Comprehensive searchable help and knowledge base available in the app and online. | |
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Branch/ATM Locator Tools to find nearby physical banking locations |
Branch/ATM locator map included in Alkami mobile and web app. | |
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Appointment Scheduling Ability to schedule in-person or virtual meetings with bank staff |
Appointment scheduling available for FIs that enable the feature. | |
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Feedback Mechanisms Tools for customers to provide input on the banking experience |
User feedback and survey tools built into digital banking experience. | |
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Support Request Tracking System for monitoring the status of customer service inquiries |
Open support tickets and check status within digital banking. | |
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Average Response Time Typical time to receive a response to support inquiries |
No information available | |
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Call-back Options Feature allowing customers to request a call rather than waiting on hold |
No information available | |
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Social Media Support Customer service available through social media channels |
Social media support (e.g., Twitter, Facebook) for banking clients available for participating FIs. |
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Open Banking API Availability of APIs that allow third-party developers to build on the platform |
Open banking APIs available for FI and fintech integration. | |
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External Account Aggregation Ability to pull in data from accounts at other financial institutions |
External account aggregation is enabled via Plaid/Yodlee integrations. | |
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Number of API Endpoints Quantity of different API services available for integration |
No information available | |
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Digital Wallet Integration Support for Apple Pay, Google Pay, Samsung Pay, etc. |
Digital wallet (Apple Pay, Google Pay, Samsung Pay) support for client-issued cards. | |
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Personal Finance App Connectivity Direct integration with budgeting and financial planning apps |
Direct connections to personal finance and budgeting apps are enabled by open banking APIs. | |
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Accounting Software Integration Ability to connect with QuickBooks, Xero, or other accounting systems |
Integration available for accounting packages (e.g., QuickBooks); often deployed for business banking. | |
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eCommerce Platform Integration Built-in connections to online shopping and payment platforms |
Integration with eCommerce platforms via APIs and widgets for business users. | |
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Wearable Device Support Banking functionality on smartwatches or other wearable technology |
No information available | |
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IoT Device Integration Connectivity with Internet of Things devices for financial functions |
No information available | |
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Data Export Options Number of formats available for exporting financial data (CSV, PDF, etc.) |
No information available | |
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Tax Software Integration Direct connection to tax preparation software |
Tax prep software connection available for year-end forms. | |
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Developer Sandbox Testing environment for developers building on the platform |
Developer sandbox offered for banking clients and third-party devs. | |
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Webhook Support Ability to trigger automated actions in other systems based on banking events |
Webhooks for event-based integration are available for FIs. |
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Personalized Insights AI-generated observations about spending patterns and financial behavior |
Personalized spend insights and recommendations powered by Alkami's AI. | |
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Product Recommendations Personalized suggestions for financial products based on user profile |
Product recommendations for loans/cards are generated based on user data. | |
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Predictive Cash Flow AI forecasting of future account balances based on historical patterns |
Predictive cash flow and smart savings modules leverage AI/ML. | |
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Smart Savings Features AI-driven tools that automatically optimize savings based on spending patterns |
AI-driven smart savings features for optimizing transfers are part of Alkami's PFM. | |
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Voice Banking Assistant Natural language processing capabilities for voice-based banking |
Voice banking assistants are integrated for supported FIs. | |
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Personalized Interface Dynamic UI that adapts based on user behavior and preferences |
Dynamic UI adapts to user preferences and activities. | |
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Financial Habit Recognition AI identification of patterns in financial behavior |
Platform identifies financial habits and suggests better behaviors. | |
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Anomaly Detection AI systems that identify unusual transactions or patterns |
AI-powered anomaly detection in transaction monitoring advertised. | |
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Smart Notification System Contextual alerts based on user behavior and preferences |
Notification system offers contextual (smart) alerts. | |
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Behavioral Analytics Capabilities Advanced analysis of user interactions to improve experience |
Behavioral analytics underpin Alkami’s adaptive experiences. | |
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Custom Financial Advice Personalized financial guidance based on individual circumstances |
Personalized financial advice is generated via AI and PFM analytics. | |
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Life Event Detection AI recognition of major life changes from transaction patterns |
Platform detects life events (e.g., new mortgage, large deposit) from data. | |
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Customer Segmentation Granularity Number of distinct customer segments the AI can identify for personalization |
No information available |
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System Uptime Percentage of time the platform is operational and available |
No information available | |
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System Response Time Average time for the system to respond to user requests |
No information available | |
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Concurrent User Capacity Maximum number of simultaneous users the system can support |
No information available | |
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Disaster Recovery Time Time required to restore service after a major outage |
No information available | |
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Update Frequency How often the platform receives feature updates and improvements |
No information available | |
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Backward Compatibility Whether updates maintain compatibility with older devices and OS versions |
Product documentation emphasizes continued support for older OS and device versions. | |
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Cloud-based Architecture Whether the platform uses cloud infrastructure versus on-premises |
Platform is cloud-native per company information and press releases. | |
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Multi-region Deployment Platform operation across multiple geographic regions for redundancy |
Multi-region deployment for high-availability and DR purposes. | |
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Microservices Architecture Use of modular, independently deployable services |
Architecture is based on microservices as described in CTO interviews and whitepapers. | |
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Database Performance Speed of database queries and transactions |
No information available | |
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API Rate Limits Maximum number of API calls allowed per minute |
No information available | |
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Monitoring Coverage Percentage of system components under active monitoring |
No information available | |
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Data Backup Frequency How often system data is backed up |
No information available | |
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Automated Testing Coverage Percentage of codebase covered by automated tests |
No information available |
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