Alkami Integration

Narmi’s integration with Alkami allows users to seamlessly create an account through Narmi’s Account Opening (AO) product and then be able to enroll directly with Alkami’s digital banking platform. This feature is relevant only if your institution uses Narmi’s AO product and Alkami’s digital banking product.

Enrollment Flow Steps

The following steps outline the user's journey from submitting an application through Narmi Grow to enrolling in Alkami's digital banking platform.

1. The user submits the account application.

   1. If the application is approved immediately:

      1. The user selects Next / Continue after their application is submitted.

      2. The user is directed to a page prompting them to input a username.

   2. If the application requires further review and then is approved:

      1. The user will receive an email that their application has been approved.

      2. The email will contain a link that directs the user to a page, prompting them to input their username.

2. Once the user inputs and submits their username, Narmi will submit a completed form to Alkami that contains all the info they require to set up the user on their back-end system.

   1. This process runs behind the scenes and is not visible to the user on the front end.

3. Upon receiving the form, Alkami generates a temporary password for the user.

4. The temporary password is sent from Alkami to the user’s email.

5. The user is directed to a new page to log in to Alkami’s digital banking using the username they created and the temporary password sent to their email.

Setup Instructions

If your institution would like to set up this integration between Narmi and Alkami, please contact your Narmi Relationship Manager.

Data Gathering

As part of the initial scoping and setup, Narmi will need the following information from your institution:

1. Alkami enrollment API URL for Staging and Production environments

   1. Example for Staging environment: https://[FIname]staging.orb.alkamitech.com/registration/register

2. API username and password

3. List of fields required for digital banking enrollment

   1. The fields below likely are required, but please confirm that the list is accurate and comprehensive for your institution:

      1. ApiLogin

      2. IsBusiness

      3. IsPasswordTemporary

      4. Timestamp

      5. Username

      6. LastName

      7. TaxId

      8. MemberNumber

      9. Email

      10. DateOfBirthDay

      11. DateOfBirthMonth

      12. DateOfBirthYear  

4. Login URLs to Alkami Staging and Production environments

5. Confirmation that your institution’s Alkami staging environment points to the same test core as your Narmi UAT environment

   1. If it does not, your institution should update this to streamline testing

‼️ Additionally, your institution will need to whitelist Narmi IP addresses that are utilized to make requests to the API endpoints. Narmi IP addresses can be found here.

Testing Information

The Narmi team will partner with your institution to thoroughly test the integration and ensure all possible scenarios are functioning as expected. Additional information will be provided during testing, but at a high level, the scenarios below will be tested:

Successful Paths

1. AO Applicant who has been auto-approved can enroll directly in Alkami DB

2. AO Applicant who was manually reviewed/approved can enroll directly in Alkami DB

Unsuccessful Paths

1. Applicant enters an invalid username

2. Enrollment request to Alkami fails

Narmi Configuration

The Narmi team will handle these steps below:

1. Turn on the institution feature third_party_enrollment_api and select the provider alkami

2. Set the institution setting External enrollment metadata

3. Set the institution setting Third party banking login URL