Apiture

Apiture operates as a digital banking solutions provider, offering a cloud-hosted platform for financial institutions across the United States. The company was established in 2017 as a joint venture between First Data Corporation and Live Oak Bank. It was founded by Christopher Cox, who currently serves as the Chief Operating Officer. Cox brought over two decades of experience in banking, payments, and technology strategy to the firm, having previously managed First Data's digital banking business.

The firm primarily serves community banks and credit unions of various sizes, enabling them to compete with larger financial institutions by providing modern digital and mobile banking capabilities. Apiture's business model is centered on its comprehensive, API-first platform which generates revenue through its suite of services. This platform is hosted on Amazon Web Services (AWS), which provides a high level of availability and performance. A significant milestone was the company's move to the public cloud in 2019, which enhanced its service reliability. In August 2025, CSI announced it had entered into a definitive agreement to acquire Apiture, with the deal expected to close in the fourth quarter of 2025.

The Apiture Digital Banking Platform offers five core solutions: Consumer Banking, Business Banking, Digital Account Opening, API Banking, and Data Intelligence. The platform is designed to integrate with over 40 core banking systems and more than 200 fintech partners. Its Consumer Banking product features a highly-rated mobile app and online banking interface. The Business Banking solution is purpose-built to support companies of all sizes with features like payment initiation for ACH and wires. The Digital Account Opening solution allows both consumers and businesses to open and fund accounts in minutes. Through its API Banking, financial institutions can embed banking capabilities into non-financial partners' software or create unique user experiences. The Data Intelligence solution provides tools for banks and credit unions to understand user engagement and create targeted marketing.

Keywords: digital banking solutions, financial institutions, community banks, credit unions, API-first platform, open banking, consumer banking, business banking, digital account opening, data intelligence, fintech integration, mobile banking, online banking, cloud-hosted banking, First Data, Live Oak Bank, Christopher Cox, financial technology, embedded banking, cash management, payment initiation