Does Digital Investing Require a Core Integration?
By Eko
For most credit unions, adding a new fintech product follows a familiar pattern: open a project ticket with your core provider, timelines slip, and by the time you’re live, you’ve added another monthly fee and another dependency your team has to manage indefinitely.
The assumption that digital investing would work the same way is understandable. But it doesn’t have to. Eko gives credit unions all of the benefits of a core integration – instant account funding, money movement and access to member data – without requiring a core integration.
Eko Never Touches Your Core
Eko's integration at the digital banking layer streamlines implementation, getting started requires only a single project ticket.
Eko then pulls member account data, account types, account numbers, and real-time balances, directly from your digital banking layer. Nothing for you or your members to set up. Nothing for your team to manage at the core level.
What About Moving Money?
Eko initiates transfers over RTP, FedNow, or same-day ACH, whichever payment methods your credit union already supports. Because Eko has real-time balance visibility through the digital banking integration, funds are verified before every transfer. Members can invest immediately after funding, with no waiting period.
Why Is Offering Digital Investing Important?
Your members are already investing, just not with you. Every time they open a third-party app, they’re building a financial relationship outside your institution. Those relationships deepen over time, and they’re hard to win back.
Eko brings investing inside the digital banking experience your members already use and trust. The question isn’t whether your members want to invest. It’s whether they’ll do it with you or somewhere else.
And with Eko’s unique no-core approach you can offer digital investing within weeks, not months, with minimal monthly fees.
Connect with Eko to schedule a live demo.
