Alkami Identifies the Top Trends Shaping Business and Commercial Banking in 2026

Rhea-AI Summary

Alkami (Nasdaq: ALKT) released proprietary research identifying the top 10 trends shaping business and commercial banking in 2026, based on a survey of digital banking decision-makers at U.S. banks and credit unions. Key themes include digital onboarding, AI-powered relationship management, real-time treasury and payments, fraud protection as a competitive advantage, API-driven connectivity, mobile-first treasury, and data democratization. The company said these trends present opportunities for regional and community institutions to strengthen client relationships and improve operational efficiency.

Alkami will host a webinar with American Banker on Feb 11, 2026 at 2:00 p.m. ET. Alkami noted J.D. Power certification for its mobile banking platform in 2024 and 2025.

News Market Reaction – ALKT

-1.22%

3 alerts

-1.22% Session close to close

$2.46B Market Cap

1.3x Rel. Volume

In the Jan 27 session, ALKT declined 1.22%, reflecting a mild negative market reaction. Our momentum scanner triggered 3 alerts that day, indicating moderate trading interest and price volatility.

Data tracked by StockTitan Argus on the day of publication.

Market Context

This announcement highlights Alkami’s view of key 2026 themes in business and commercial banking—dig...

Analysis

This announcement highlights Alkami’s view of key 2026 themes in business and commercial banking—digital onboarding, AI-driven relationship management, real-time payments and API-based connectivity. It reinforces the company’s positioning as a digital platform provider, consistent with recent MANTL partnerships and product launches. In the background, investors may monitor how strong Q3 2025 revenue of $112.954M and $1.6B in remaining performance obligations balance against the ongoing net loss and convertible debt levels.

Key Figures

Q3 2025 revenue: $112.954M Q3 2024 revenue: $85.906M Q3 2025 net loss: $14.804M +5 more

8 metrics

Q3 2025 revenue $112.954M Quarter ended September 30, 2025 (10-Q)

Q3 2024 revenue $85.906M Prior-year quarter comparison (10-Q)

Q3 2025 net loss $14.804M Net loss, or $0.14 per share (10-Q)

MANTL acquisition $375M Approximate purchase price, net of cash acquired (10-Q)

Remaining performance obligations $1.6B As of September 30, 2025; 49.9% in next 24 months (10-Q)

Convertible senior notes $345M 1.50% notes due 2030 issued (10-Q)

Cash & equivalents $57.316M Balance at quarter end, Q3 2025 (10-Q)

J.D. Power certifications 2024 and 2025 Certified for outstanding mobile banking platform experience

Historical Context

5 past events · Latest: Jan 22 (Positive)

Pattern 5 events

Date	Event	Sentiment	24h Move	Catalyst
Jan 22	MANTL go-live	Positive	+8.0%	Atlantic Federal Credit Union launched MANTL Loan Origination across lending products.
Jan 21	Client expansion	Positive	-0.6%	Grow Financial Credit Union expanded use of Alkami’s platform via MANTL onboarding.
Jan 14	Bank partnership	Positive	-1.0%	Citizens State Bank partnered with MANTL to modernize deposit account opening.
Jan 09	Product launch	Positive	+0.0%	Alkami launched the One-Click SDK Manager for streamlined code deployment.
Jan 09	Correction filing	Neutral	+0.0%	Correction clarified details around the One-Click SDK Manager announcement.

24h Move is the share-price change in the day after each event; other market factors may also have contributed.

Pattern Detected

Recent Alkami and MANTL announcements are generally positive partnership or product updates, with share reactions mixed between aligned gains and short-term divergences.

Recent Company History

Over the past few months, Alkami-related news has centered on expanding digital banking capabilities and MANTL deployments. On Jan 22, 2026, a MANTL loan-origination go-live coincided with a +7.95% move, while other positive items—such as Grow Financial’s onboarding expansion and the Citizens State Bank partnership—saw small negative reactions. Product innovation around the One-Click SDK Manager and related correction drew neutral price responses. Today’s trends-focused report continues the theme of digital transformation and AI-enabled banking capabilities.

Key Terms

digital onboarding, real-time payments, embedded fraud protection, artificial intelligence (AI), +2 more

6 terms

digital onboarding technical

"As business and commercial clients increasingly expect digital onboarding, real-time payments..."

Digital onboarding is the process companies use to bring customers or users on board entirely online — from identity checks and paperwork to account setup and initial verification — much like completing a new membership form and ID check on your phone instead of visiting a branch. Investors care because smooth, secure digital onboarding can cut customer acquisition costs, speed growth, reduce fraud and compliance risk, and improve retention, all of which affect revenue and profit potential.

real-time payments financial

"clients increasingly expect digital onboarding, real-time payments, embedded fraud protection..."

Real-time payments are electronic transfers that move money between bank accounts almost instantly and are available around the clock, unlike traditional overnight or batch transfers. For investors, this matters because faster payments improve a company’s cash flow, reduce the time money sits unpaid, and can change revenue and cost dynamics for banks, payment processors and businesses—think of it like receiving a text message instead of waiting for a letter.

embedded fraud protection technical

"expect digital onboarding, real-time payments, embedded fraud protection, and seamless integration..."

Security features and checks built directly into a product, service, or transaction flow to detect and stop theft, scams, or misuse before harm occurs. Think of it like a seatbelt and airbags inside a car rather than aftermarket gear: it reduces the chance of loss, protects customers’ data and money, and keeps operations running smoothly. Investors care because embedded protection can cut fraud-related losses, lower regulatory and reputation risk, and help retain customers, all of which support steadier revenue and lower costs.

artificial intelligence (AI) technical

"Artificial intelligence (AI)-powered relationship management is emerging as a key differentiator."

Artificial intelligence (AI) is the development of computer systems that can perform tasks typically requiring human intelligence, such as understanding language, recognizing patterns, and making decisions. For investors, AI can enhance how businesses analyze data, automate processes, and innovate, potentially leading to increased efficiency and new opportunities in the market.

application programming interface (API) technical

"Application programming interface (API)-driven connectivity is embedding banking directly..."

An application programming interface (API) is a set of rules and tools that lets different software programs talk to each other, like a waiter carrying orders between kitchen and tables. For investors, APIs matter because they enable companies to connect services, share data, and scale products quickly—helping reduce costs, create new revenue streams, or make offerings more attractive and sticky, which can influence growth and valuation.

data democratization technical

"Data democratization is expanding access to financial insights for small and midsize businesses."

Data democratization means giving employees across an organization easy access to accurate, understandable data so they can answer questions and make decisions without waiting for specialists. For investors, it matters because faster, broader access to reliable information can speed decision-making, reduce mistakes, and reveal opportunities or risks earlier—like turning a single lookout tower into a network of watchtowers that spot storms or chances sooner.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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New research highlights where banks and credit unions are focusing as business and commercial banking expectations continue to evolve

PLANO, Texas, Jan. 27, 2026 /PRNewswire/ -- Alkami Technology, Inc. (Nasdaq: ALKT) ("Alkami"), a digital sales and service platform provider for financial institutions in the U.S., has identified the top trends shaping business and commercial banking in 2026, based on proprietary market research that surveyed banks and credit unions across the U.S. The findings show that regional and community financial institutions have a growing opportunity to strengthen business and commercial relationships as expectations evolve and digital capabilities advance.

The report draws on survey findings from digital banking decision-makers at banks and credit unions and outlines where financial institutions are focusing their investments and strategies. As business and commercial clients increasingly expect digital onboarding, real-time payments, embedded fraud protection, and seamless integration into their existing workflows, financial institutions face a critical question: are their platforms and processes keeping pace? Alkami's proprietary market research highlights which trends financial institution leaders anticipate to impact business and commercial banking the most in 2026, and how they can capitalize on these findings to exceed expectations while improving operational efficiency and accelerating time-to-value.

The top ten business and commercial banking trends of 2026 include:

• Trend 1: Digital onboarding and self-service account management continue to grow.
• Trend 2: Fraud protection is evolving from a cost center into a competitive advantage.
• Trend 3: Artificial intelligence (AI)-powered relationship management is emerging as a key differentiator.
• Trend 4: Real-time treasury and payments capabilities are becoming critical in providing instant visibility into finances.
• Trend 5: Consumer-grade digital experiences are raising expectations for business and commercial banking.
• Trend 6: Application programming interface (API)-driven connectivity is embedding banking directly into business workflows.
• Trend 7: Data democratization is expanding access to financial insights for small and midsize businesses.
• Trend 8: Mobile-first treasury access is gaining traction as business leaders expect full commercial functionality on mobile devices.
• Trend 9: Best-of-breed treasury stacks are replacing one-size-fits-all platforms.
• Trend 10: Adaptive, role-based treasury platforms are improving usability and control.

"These trends show where business and commercial banking leaders are focused as they plan for the year ahead," said Taylor Adkins, vice president, product management at Alkami. "Financial institutions that continue to invest in building a digital sales and service platform from initial account opening into digital banking will be in a strong position to grow relationships and support their clients through real-time capabilities, data-driven insights, and an experience that anticipates needs."

Alkami will also host a webinar with American Banker on Wednesday, February 11, at 2:00 p.m. ET. The session builds on the research from The Top Trends Shaping Business and Commercial Banking in 2026 and will feature industry perspectives on the trends shaping commercial banking and the strategies financial institutions are prioritizing to remain competitive in the year ahead. Learn more and register here.

To learn more about Anticipatory Banking and the Alkami Digital Sales & Service Platform, visit here.

Alkami has been certified by J.D. Power in 2024 and 2025 for providing "An Outstanding Mobile Banking Platform Experience."¹

About Alkami
Alkami provides a digital sales and service platform for U.S. banks and credit unions. Our unified Platform integrates onboarding, digital banking, and data and marketing—each solution can stand alone, but together they deliver more—to help institutions onboard, engage, and grow relationships. As the future shifts toward Anticipatory Banking, we help data-informed bankers meet the moment with technology that drives action.

Media Relations Contacts
Vested
alkami@fullyvested.com

Marla Pieton
marla.pieton@alkami.com

____________________

1J.D. Power 2025 Mobile App Platform Certification ProgramSM recognition is based on successful completion of an audit and exceeding a customer experience benchmark through a survey of recent servicing interactions. For more information, visit www.jdpower.com/awards.

 

 

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SOURCE Alkami Technology, Inc.

FAQ

What are the top trends Alkami (ALKT) identified for business and commercial banking in 2026?

Ten trends: digital onboarding, fraud as advantage, AI relationship management, real-time treasury/payments, consumer-grade UX, API connectivity, data democratization, mobile-first treasury, best-of-breed treasury stacks, and adaptive role-based platforms.

When is Alkami's webinar on the 2026 commercial banking trends (ALKT)?

The webinar with American Banker is scheduled for February 11, 2026 at 2:00 p.m. ET.

How does Alkami say regional banks can benefit from the 2026 trends (ALKT)?

Alkami says regional and community institutions can strengthen business relationships by investing in digital onboarding, real-time capabilities, data insights, and integrated workflows.

Does Alkami (ALKT) cite any industry recognition for its platform?

Yes. Alkami noted it was certified by J.D. Power for an outstanding mobile banking platform experience in 2024 and 2025.

What digital capabilities does Alkami highlight as critical for commercial clients in 2026?

Alkami highlights digital onboarding, real-time payments and treasury, embedded fraud protection, API integration, and mobile-first commercial functionality.