Narmi
“Can a modern, API-first digital banking layer let community banks and credit unions out-innovate mega-banks and neobanks without ripping out their core?”
Founded in 2016 by two former community-FI operators, Narmi built a cloud-native, API-first digital banking platform explicitly for community banks and credit unions rather than the mega-bank market. The company has steadily broadened from digital account opening and consumer/business banking into an integrated 'Narmi One' platform covering FedNow instant payments (Narmi Now), fraud (Narmi Guard), back-office (Narmi Command), lending (Narmi Lend, 2025), and agentic AI (Narmi AI + MCP server, 2026). Its strategic differentiator is deep integration with legacy cores (FIS IBS/Horizon, Fiserv Premier/DNA, Symitar/Silverlake, Corelation Keystone, COCC) so community FIs can modernize the front-end without replacing the core.