Powering the Fastest Growing Financial Institutions

Rapidly grow your customer base and membership with lower acquisition costs and higher conversion rates.

Cotribute combines AI-powered persona targeting with frictionless, fully digital onboarding experiences. Pre-filled applications, automated KYC/OFAC checks, and instant funding enable a seamless journey from interest to activation—online or in-branch.

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  AI Acquisition Agent (AIA)
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  Consumer Account Opening (CAO)
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  Business Account Opening (BAO)

Increase average product holdings per member by intelligently cross-selling during and after onboarding.

Hyper-personalized product recommendations—like deposit switches, credit cards, and debt consolidation loans—are embedded at the end of the onboarding flow and followed up by email. This drives measurable lift in cross-sell conversion rates.

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  AI Cross-Selling Agent (AIC)
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  Consumer Loan Application (CLA)
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  Business Loan Application (BLA)

Grow share of wallet by re-engaging indirect or single-product members with personalized outreach.

The AI Relationship Growth Agent analyzes credit, income, and behavioral data to deliver hyper-targeted offers and messages—unlocking growth from dormant or lightly engaged segments.

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  AI Relationship Growth Agent (AIR)

Reduce manual workloads and operational costs while improving processing speed and consistency.

Automates fraud detection, identity verification, document collection, and decisioning — resulting in a 97.6% reduction in manual onboarding steps and up to 89.5% of applications decisioned instantly.

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  Fraud Guard+
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  Business Guard+
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  Enterprise Guard+
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  Decision Intelligence+

Launch and manage digital experiences for a wide range of products without relying on developers or external vendors.

Leverages a library of 90+ no-code configurable templates for deposits, loans, insurance, and wealth products. Clients can quickly brand, launch, and update onboarding flows through a codeless admin interface.

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  Consumer Account Opening (CAO)
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  Consumer Loan Application (CLA)
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  Business Account Opening (BAO)
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  Business Loan Application (BLA)
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  Analytics
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  Configurable Templates
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  Codeless Configuration Engine

Enhance fraud prevention and compliance without adding friction to the customer experience.

Real-time checks for fraud, OFAC, CIP, and Secretary of State validations are seamlessly integrated. Decision Intelligence+ automates compliance workflows while preserving a fast and frictionless front-end.

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  Fraud Guard+
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  Business Guard+
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  Enterprise Guard+
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  Decision Intelligence+

Deliver a unified onboarding experience across mobile, online banking, and in - branch channels with minimal IT involvement.

Cotribute’s embeddable widgets, developer portal, and integrations enable institutions to offer consistent application experiences—anywhere your members engage.

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  OLB/MOLB Integration
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  Developer Portal
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  Embedded Widget Scripts

Attract high-affinity members through personalized, community-basedcampaigns and onboarding journeys.

Cotribute offers co-branded, segment-specific onboarding flows tailored for SEGs, community partners, and local campaigns—boosting engagement and conversion.

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  SEG & Community Engagement (SCE)