Our Standard and Optional Third-Party Vendors

We use the following third-party vendors as part of our Account Opening and Digital Banking experiences. 

Alloy

Alloy is a global identity decisioning platform that helps financial institutions and FinTech companies automate their decisions, approve more good customers, and prevent fraud. Alloy is required to complete the financial institutions' Know Your Customer (KYC), Know Your Business (KYB) through Middesk, Bank Secrecy Act (BSA), and anti-money laundering (AML) processes in our Account Opening product. For more information, go to About Alloy.

Authorize.net

Authorize.net is a payment gateway service provider that allows merchants to accept credit card and electronic payments through their website and over an IP connection. We connect to Authorize.net for ACH/card funding during Account Opening. Integration with this vendor is required for card funding of our Account Opening product. For more information, go to About Authorize.net.

Elavon

Elavon is a merchant account provider that we use for card funding during account opening. Elavon processes and approves the transaction, handles the transfer of funds from the purchaser, and deposits the funds to the financial institution. Elavon is tightly integrated with Authorize.net and is required for our Account Opening product. For more information, go to About Elavon.

Ensenta

Ensenta is owned by Jack Henry and provides cloud-based, real-time payment and deposit solutions for web and mobile. We leverage Ensenta for remote deposit capture (RDC) risk review and related deposit-monitoring alert functionality. Ensenta is optional, however, this integration is recommended for financial institutions that use our Digital Banking product and want to offer RDC to their customers. Please contact your Narmi General Manager to start integration. For more information, go to About Ensenta.

Intuit

Intuit provides several products focused on assisting individuals and small businesses with their financial management and compliance needs. For our Business Digital Banking product, we support optional Intuit connection types that allow users to manually or automatically update transaction information in Intuit products. Please contact your Narmi General Manager to start integration. For more information, go to About Intuit.

iPay

iPay Solutions is owned by Jack Henry and provides online consumer and business bill pay, as well as other payment solutions. Bill pay is a service that allows customers to pay bills (rent, mortgage, phone, utilities, etc.) through the web or mobile application, without having to write and mail physical checks. The service makes it easier to organize bills, save time, and avoid late fees. iPay is an optional API-based payment experience, however, integration with this vendor is currently required for institutions that use our Digital Banking product and want to offer bill pay to their customers. For more information, go to About iPay.

Middesk

Middesk is a business identity platform that helps companies verify and underwrite their customers and automate business verification. Middesk is required for KYB (via Alloy) in our Account Opening product. For more information, go to About Identity Decisioning.

Mitek MiSnap

Mitek MiSnap is a patented mobile-capture solution that enables an intuitive user experience and instant capture of quality images. Mitek MiSnap is required for remote deposit capture (RDC) technology in our Digital Banking mobile app and captures a still image of the front and back of the checks that users deposit. For more information, go to About Ensenta.

MX

MX helps financial institutions and FinTech companies quickly and easily collect, enhance, analyze, present, and act on their financial data. MX is used in the backend of Narmi for Instant Account Verification (IAV) in our Account Opening and Digital Banking products, and used as our personal financial management platform and data enhancement platform. For more information, go to About MX.

NeuroID

NeuroID is a behavioral analytics tool that runs during the Account Opening flow to help detect fraud. It is an Alloy partnership product that analyzes user behavior and detects patterns to understand individuals interacting with online applications. NeuroID is optional for our Consumer Account Opening and Business Account Opening products. You can contact your Narmi General Manager or Implementations Project Manager to start integration. For more information, go to NeuroID.

Twilio

Twilio is a cloud communication platform as a service (CPaaS) that provides APIs for making and receiving phone calls, sending and receiving text messages, and performing other communication functions. We use Twilio for our two-factor authentication (2FA) communications. When a user adds a phone number as a 2FA device, Twilio sends a text for mobile numbers and makes a voice call for landline numbers. For more information on 2FA in our products, go to Two-Factor Authentication. For information on how to see your users’ past notifications, go to Notification History.

Vouched

Vouched provides identity capture solutions to verify new customers for KYC and KYB. Vouched fully verifies the identity of users by leveraging artificial intelligence and performs identity checks against multiple points of data to build a data profile that compliments the Visual ID check itself, making it easier for financial institutions to detect and uncover fraud. In addition to visual identification and data verification, Vouched helps customers make more informed identity decisions by validating customer identification in the state DMV registry in real time. Vouched is optional and you can contact your Narmi General Manager to start integration. For more information, go to Vouched.

Zelle

Zelle is a payments network and service that allows users to rapidly move money from one US bank account to another. While Zelle can be enabled across a variety of core banking systems, we currently support Zelle via Jack Henry Associates (JHA) PayCenter, which only works with the major Jack Henry core banking systems: SilverLake, Symitar Episys, CIF 20/20, or Core Director. If you wish to enable Zelle via JHA PayCenter, please reach out to your JHA representative. For more information, go to About Zelle.