Launch your digital-only bank

If you’re ready to attract and retain the next generation of banking customers, you’re going to need to launch a direct bank.

Chances are that you’ve seen your competitors—both big and small—launching digital-only banks aimed at specific audiences with a heavy emphasis on technology. The big banks have significant resources dedicated to launching a digital-only presence, and now you can, too–with the help of Apiture’s direct bank solution. The best part? You can do it all without any disruption to your current banking platform or operations.

Apiture Direct Bank gives financial institutions like yours access to the full set of online and mobile banking features your customers have come to expect. Our ecosystem of partners provides everything your institution needs to create your very own direct bank, while we build, maintain and host the technology on our end so you can spend more time focusing on serving the next generation of customers.

This graphic shows how Apiture can help you create your own direct bank for customers to access on various digital channels.

Our direct bank solution includes:

Mobile App

Mobile App

Deliver the mobile banking experience today’s customers want—and expect.

Finxact Core


Integrate with the real-time Finxact core, a modern digital banking system of record.

Bill Pay

Bill Pay

Leverage Payrailz for bill pay services: electronic bill presentment and payment experience.

No In-house Development

No In-house Development

You don’t need to dedicate your own resources to a drawn-out technical integration.



We can help you achieve technology freedom.

  • Experiment with digital-only account opening and servicing without interrupting current customer experiences
  • Empower your marketing and digital teams to redefine the customer experience with your institution
  • Apiture’s APIs provide your team with the tools needed to create new, innovative features for the 21st-century customer
  • Expand new, low-cost deposits through third-party digital channels and partners
  • Integrate with cloud-native partners into your existing digital banking experience to extend services and keep your customers coming back to your online presence again and again


Digital-savvy consumers are looking for real-time interactions and an experience not offered by traditional financial institutions. Now you can be the bank that meets their needs.