Webster Bank Implements Prolific Banking’s FI-Streams Connector to Enable Commercial Client Financial Data Connectivity

Key Terms

api technical

An API, or Application Programming Interface, is a set of rules that allows different software programs to communicate and work together smoothly, much like a waiter translating your order into the kitchen and then bringing your meal back. For investors, APIs are important because they enable real-time access to financial data, trading systems, and other digital services, making it easier to make informed decisions quickly and efficiently.

fdx-aligned technical

FDX-aligned means a company’s systems follow the Financial Data Exchange (FDX) standards for sharing and accessing consumer financial data. Like using the same universal plug and socket so different devices work together safely, FDX alignment helps apps, banks and services exchange account information reliably and with stronger consumer consent controls — a factor investors watch for reduced integration risk, faster partnerships and better regulatory compliance.

open banking infrastructure financial

Open banking infrastructure is the set of technical systems, security rules, and standardized software connections that let banks safely share customer account information and allow authorized third parties to move money or offer services on behalf of customers. Think of it as a regulated network of roads and traffic rules for financial data and payments; it matters to investors because it can generate new revenue streams, increase competition and efficiency in financial services, and also create regulatory, security, and integration risks that affect company value.

authentication technical

Authentication is the process of confirming that a person, document, data feed or electronic message is genuine and comes from who or what it claims to be — like checking an ID or verifying a seal on a package. For investors it matters because authenticated filings, statements and transaction records reduce the risk of fraud, data tampering and regulatory violations, preserving trust and helping ensure investment decisions rest on reliable information.

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ATLANTA--(BUSINESS WIRE)-- Webster Bank is now live on Prolific Banking’s FI-Streams Connector, leveraging Plaid’s FDX-aligned API specification, Core Exchange, to enhance financial data connectivity, enabling secure access to business customer account information, transaction history, and authentication features. The FI-Streams integration with Plaid’s Core Exchange gives customers of Webster Bank access to Plaid’s network of apps and services, including accounting platforms, treasury management tools, and personal financial management apps. This implementation provides commercial customers with a seamless, secure experience when linking their accounts to third-party financial applications. In addition, the implementation includes synchronization with the bank’s digital banking platform for account entitlements and user authorization.

WHAT WE BUILT TOGETHER

Prolific Banking’s technology team worked in close partnership with Webster Bank to design, configure, and deploy the FI-Streams Connector, Prolific Banking’s purpose-built product that enables secure financial data connectivity across commercial banking environments. Every component of the connector is tailored to the bank’s specific commercial and business client workflows, integrating seamlessly with Webster Bank’s existing digital banking platform for account entitlements and user authorization.

Custom-Configured Connector

Each component of the FI-Streams Connector was tailored to align with Webster Bank’s commercial banking workflows and client authorization model.

Commercial & Business Client Focus

Purpose-built for Webster Bank’s commercial and business banking client base, enabling secure access to account data and transaction history at institutional scale.

Platform-Native Authorization

Deep integration with Webster Bank’s digital banking platform, synchronizing account entitlements and user authentication for a frictionless, secure experience.

Open Banking Infrastructure

Enables Webster Bank’s commercial clients to connect their accounts with third-party financial applications, including accounting software, treasury tools, and financial management platforms.

POWERED BY PLAID’S CORE EXCHANGE

Plaid Network Access

By connecting through Plaid’s FDX-aligned API specification, Core Exchange, Webster Bank’s commercial clients can seamlessly, securely link their accounts to the more than seven thousand apps and services on the Plaid network.

“Plaid and Prolific Banking offer innovative and secure platforms through which our commercial clients connect their bank accounts to external applications. By integrating with Plaid and Prolific Banking, Webster continues to meet the growing demand for connected banking experiences.”

— Adam Hoffman · Executive Managing Director & Head of Treasury Management, Webster Bank

As financial institutions face growing demand for real-time data access and interoperability with third-party platforms, Webster Bank’s implementation of the FI-Streams Connector reflects both organizations’ commitment to delivering open banking infrastructure built for the needs of commercial clients, without sacrificing security, control, or institutional customization.

“The modern banking customer is tech-savvy, mobile-first, and values convenience. Prolific Banking is committed to an open digital operating model and the key to that model is data integration.”

— Scott Graf · President & Founder, Prolific Banking

“Core Exchange gives financial institutions like Webster Bank a direct, secure path into the Plaid network, so their commercial clients can benefit from the apps and services powered by Plaid, without friction or compromising on security.”

— Aly Yarris · Data Partnerships Lead, Plaid

The implementation provides Webster Bank’s commercial clients with secure access to business customer account information, transaction history, and authentication features, with real-time synchronization to Webster Bank’s digital banking platform, all delivered through Prolific Banking’s FI-Streams Connector.

ABOUT THE ORGANIZATIONS

ABOUT WEBSTER BANK

Webster Financial Corporation

Webster Financial Corporation (“Webster”) (NYSE: WBS) is the holding company for Webster Bank, N.A. Founded in 1935 and headquartered in Stamford, CT, Webster is a values-driven organization with more than $80 billion in total assets. Webster Bank is a commercial bank that provides a wide range of financial products and services to businesses, individuals, and families across three differentiated lines of business: Commercial Banking, Healthcare Financial Services, and Consumer Banking. While its core footprint spans the Northeast from the New York metropolitan area to Rhode Island and Massachusetts, certain businesses operate in extended geographies.

Webster Bank is a member of the FDIC and an equal housing lender. For more information about Webster, including past press releases and the latest annual report, visit the Webster website.

websterbank.com

ABOUT PROLIFIC BANKING

Prolific Banking, Inc.

Founded in 2020 and headquartered in Atlanta, Georgia, Prolific is built by industry veterans with deep commercial and treasury banking knowledge. The team pairs decades of proven delivery with a modern engineering culture.

Prolific Banking, Inc. is the modern, platform-independent commercial banking layer for financial institutions. Through its cloud-native Prolific Open Digital (POD) platform, Prolific unifies treasury onboarding, commercial payments, ERP integration, open APIs, and reporting into a single, AI-native layer that sits across an institution’s existing cores and systems rather than replacing them. Prolific serves commercial banks and financial institutions across the U.S. regional and super-regional tier, including multi-charter and acquisitive institutions that operate commercial, treasury, and middle-market businesses at scale.

prolificbanking.com

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For Additional Information
prolificbanking.com | 1-833-PROLIFC (776-5432)

Source: Prolific Banking, Inc.