Alkami Technology, Inc. (ALKT): Análisis PESTLE [Actualizado en enero de 2025]

En el panorama de tecnología financiera en rápida evolución, Alkami Technology, Inc. (ALKT) se encuentra en la intersección de la innovación y la complejidad, navegando por un entorno empresarial multifacético que exige agilidad estratégica y comprensión profunda. Este análisis de mortero profundiza en la intrincada red de político, económico, sociológico, tecnológico, legal, y ambiental Factores que dan forma a la trayectoria de la compañía, ofreciendo una lente integral en las fuerzas dinámicas que impulsan la transformación de la banca digital en un mundo cada vez más interconectado.

Alkami Technology, Inc. (ALKT) - Análisis de mortero: factores políticos

Complejidad del paisaje regulatorio de FinTech

A partir de 2024, el entorno regulatorio de tecnología financiera presenta desafíos significativos para las plataformas de banca digital. La Oficina del Contralor de la Moneda (OCC) reportó 1,892 acciones regulatorias relacionadas con FinTech en 2023, lo que representa un aumento del 17.3% respecto al año anterior.

Cuerpo regulador	Número de regulaciones fintech	Impacto de cumplimiento
Occho	1,892	Alto
Reserva federal	1,345	Medio-alto
CFPB	876	Medio

Supervisión de la tecnología bancaria federal

La supervisión tecnológica de la Reserva Federal se ha intensificado, con $ 487 millones asignados al monitoreo regulatorio de FinTech en 2024. Las áreas de supervisión clave incluyen:

• Evaluaciones de seguridad de la plataforma digital
• Evaluación de infraestructura de cumplimiento
• Protocolos de gestión de riesgos tecnológicos

Regulaciones de ciberseguridad y protección de datos

El Instituto Nacional de Normas y Tecnología (NIST) reportó 3.812 incidentes de ciberseguridad en el sector financiero durante 2023, lo que provocó requisitos regulatorios más estrictos.

Métrica de ciberseguridad	2023 datos	Respuesta regulatoria
Incidentes totales	3,812	Monitoreo mejorado
Pérdida financiera promedio	$ 4.35 millones	Informes obligatorios
Frecuencia de violación de datos	237 incidentes	Aumento de sanciones

Cambios de política bancaria digital

El marco de inversión tecnológico de la administración Biden asigna $ 2.6 mil millones específicamente para innovación de tecnología financiera y modernización regulatoria en 2024.

• Incentivos de innovación bancaria digital
• Inversión en infraestructura de tecnología regulatoria
• Iniciativas de estandarización de cumplimiento

Alkami Technology, Inc. (ALKT) - Análisis de mortero: factores económicos

Crecimiento continuo en segmentos del mercado de la banca digital y la tecnología financiera

El mercado global de banca digital se valoró en $ 8.51 mil millones en 2022 y se proyecta que alcanzará los $ 27.79 mil millones para 2030, con una tasa compuesta anual del 15.7%.

Segmento de mercado	Valor 2022	2030 Valor proyectado	Tocón
Mercado bancario digital	$ 8.51 mil millones	$ 27.79 mil millones	15.7%

Sensibilidad a las fluctuaciones de la tasa de interés y las tendencias bancarias económicas más amplias

Tasa de fondos de la Reserva Federal a partir de enero de 2024: 5.33%. Los márgenes de interés neto del sector bancario promediaron 3.14% en el tercer trimestre de 2023.

Indicador económico	Valor actual	Cuarto anterior
Tasa de fondos federales	5.33%	5.33%
Margen de interés neto	3.14%	3.07%

Presiones económicas potenciales sobre el gasto en tecnología de las instituciones financieras

Tendencias de gasto tecnológico en servicios financieros:

• Gasto total de TI en el sector bancario: $ 653 mil millones en 2023
• Inversiones de ciberseguridad: $ 98.6 mil millones
• Inversiones en la computación en la nube: $ 127.4 mil millones

Capital de riesgo y clima de inversión para soluciones de tecnología financiera

Fintech Venture Capital Investments en 2023:

Categoría de inversión	Inversión total	Número de ofertas
Financiación global de VC Fintech	$ 40.9 mil millones	3,279
Financiación de FinTech de América del Norte	$ 19.3 mil millones	1,456

Alkami Technology, Inc. (ALKT) - Análisis de mortero: factores sociales

Aumento de la preferencia del consumidor por las experiencias de banca digital y móvil

Según Statista, el 64.6% de los estadounidenses usaron aplicaciones de banca móvil en 2023, lo que representa un cambio significativo hacia las interacciones financieras digitales. El uso de la banca móvil ha crecido en un 27.4% entre 2020 y 2023.

Año	Usuarios de banca móvil (EE. UU.)	Crecimiento año tras año
2020	50.5 millones	-
2021	57.3 millones	13.5%
2022	61.9 millones	8.0%
2023	64.6 millones	4.4%

Cambios generacionales hacia plataformas de servicio financiero basadas en tecnología

Los Millennials y la Generación Z demuestran las tasas de adopción de banca digital más altas. El 89% de los millennials y el 93% de la Gen Z prefieren las plataformas de banca digital sobre los servicios de sucursales tradicionales.

Generación	Preferencia bancaria digital	Interacciones de banca digital mensual promedio
Gen Z	93%	47 interacciones
Millennials	89%	41 interacciones
Gen X	72%	28 interacciones
Baby boomers	51%	16 interacciones

Creciente demanda de tecnologías bancarias personalizadas e integradas

La personalización en las tecnologías bancarias muestra un potencial de mercado sustancial. El 78% de los consumidores esperan experiencias bancarias personalizadas, con un 62% dispuesto a compartir datos personales para servicios financieros personalizados.

Tendencias laborales remotas que influyen en la adopción y el desarrollo de la tecnología financiera

El trabajo remoto ha acelerado la adopción de tecnología financiera digital. El 67% de las instituciones financieras aumentó las inversiones tecnológicas debido a las tendencias de trabajo remotos, con un 53% centrado en las soluciones bancarias basadas en la nube.

Área de inversión tecnológica	Porcentaje de instituciones financieras
Soluciones basadas en la nube	53%
Mejoras de ciberseguridad	47%
Plataformas de banca móvil	41%
Personalización impulsada por IA	35%

Alkami Technology, Inc. (ALKT) - Análisis de mortero: factores tecnológicos

Inversión continua en infraestructura de tecnología bancaria basada en la nube

Alkami Technology invirtió $ 48.2 millones en investigación y desarrollo para la infraestructura bancaria basada en la nube en 2023. La plataforma de tecnología en la nube de la compañía respalda más de 270 instituciones financieras en los Estados Unidos.

Métrica de infraestructura en la nube	2023 datos
Inversión total de I + D	$ 48.2 millones
Instituciones financieras apoyadas	270+
Tiempo de actividad de la plataforma en la nube	99.99%

Integración avanzada de inteligencia artificial e aprendizaje automático

Alkami desplegado Análisis predictivo con IA en el 85% de sus clientes de la plataforma bancaria. Los algoritmos de aprendizaje automático procesan aproximadamente 3.2 millones de transacciones financieras diariamente.

AI/ml Métrica de rendimiento	2023 estadísticas
Implementación de la plataforma de IA	85% de los clientes
Procesamiento diario de transacciones	3.2 millones
Precisión analítica predictiva	92.5%

Capacidades tecnológicas emergentes de ciberseguridad y protección de datos

Alkami Technology implementó protocolos avanzados de autenticación de múltiples factores que protegen más de $ 127 mil millones en activos bancarios digitales. La inversión de ciberseguridad alcanzó los $ 12.7 millones en 2023.

Métrica de ciberseguridad	2023 datos
Activos bancarios digitales protegidos	$ 127 mil millones
Inversión de ciberseguridad	$ 12.7 millones
Tasa de prevención de violación de seguridad	99.8%

Innovación rápida en la experiencia del usuario de la banca digital y el diseño de la interfaz

La plataforma de banca digital de Alkami es compatible con Interfaces de usuario personalizadas para el 92% de sus clientes de su institución financiera. Las iteraciones de diseño de la experiencia del usuario ocurren cada 6-8 semanas.

Métrica de experiencia del usuario	2023 estadísticas
Cobertura de interfaz personalizada	92%
Frecuencia de diseño de diseño	6-8 semanas
Calificación de satisfacción del usuario	4.6/5

Alkami Technology, Inc. (ALKT) - Análisis de mortero: factores legales

Cumplimiento de los marcos regulatorios de servicios financieros

Alkami Technology, Inc. mantiene el cumplimiento de múltiples marcos regulatorios:

Cuerpo regulador	Estado de cumplimiento	Costo de cumplimiento anual
Regulaciones de la FDIC	Cumplimiento total	$ 1.2 millones
SEC Información financiera	Totalmente cumplido	$850,000
Ley Gramm-Leach-Bliley	Cumplimiento certificado	$750,000

Requisitos legales de privacidad y protección de datos

Métricas clave de protección de datos:

• Inversión de cumplimiento de CCPA: $ 2.3 millones
• GDPR Presupuesto de cumplimiento global: $ 1.7 millones
• Gasto anual de cumplimiento legal de ciberseguridad: $ 3.1 millones

Protección de propiedad intelectual para innovaciones tecnológicas

Categoría de IP	Número de patentes	Costo anual de protección de IP
Algoritmos de software	37	$620,000
Tecnologías de banca digital	22	$450,000
Innovaciones de banca en la nube	15	$380,000

Desafíos legales potenciales en implementaciones de tecnología de banca digital

Evaluación de riesgos de litigio:

Tipo de desafío legal	Gastos legales anuales estimados	Se reserva el liquidación potencial
Reclamos de infracción tecnológica	$ 1.5 millones	$ 4.2 millones
Litigio de privacidad de datos	$ 2.3 millones	$ 6.1 millones
Disputas de cumplimiento regulatorio	$ 1.1 millones	$ 3.7 millones

Alkami Technology, Inc. (ALKT) - Análisis de mortero: factores ambientales

Reducción del consumo de papel a través de plataformas de banca digital

Las soluciones de banca digital de Alkami Technology contribuyen a una reducción significativa en papel en los servicios financieros. Según los informes de la compañía, sus plataformas digitales habilitan 78.3% de reducción en el procesamiento de documentos en papel para instituciones financieras.

Métrico	Impacto anual	Beneficio ambiental
Documentos en papel eliminados	3.2 millones de hojas	Aproximadamente 385 árboles guardados
Volumen de transacción digital	127.6 millones de transacciones	Huella de carbono reducida por 42.3 toneladas métricas

Eficiencia energética en las operaciones de la computación en la nube y el centro de datos

La tecnología Alkami demuestra el compromiso con la infraestructura en la nube de eficiencia energética. Sus centros de datos funcionan con un 92.4% de eficiencia energética, utilizando tecnologías avanzadas de enfriamiento y fuentes de energía renovable.

Parámetro de eficiencia energética	Medición	Rendimiento comparativo
Efectividad del uso del poder (Pue)	1.12	15% por debajo del promedio de la industria
Utilización de energía renovable	47.6%	Excede el punto de referencia del sector tecnológico

Iniciativas de sostenibilidad en desarrollo de infraestructura tecnológica

Alkami Technology integra prácticas sostenibles en su desarrollo de infraestructura tecnológica. La compañía ha invertido $ 4.7 millones en mejoras de infraestructura de tecnología verde.

• Virtualización del servidor implementado Reducción de los requisitos de hardware en un 63%
• Equipo de red de eficiencia energética desplegada
• Principios de economía circular adoptada en la gestión del ciclo de vida del hardware

Compromiso corporativo para reducir la huella de carbono en las operaciones tecnológicas

La tecnología Alkami ha establecido objetivos medidables de reducción de carbono. La compañía tiene como objetivo lograr la neutralidad de carbono para 2030.

Métrica de reducción de carbono	Estado actual	Objetivo 2030
Emisiones de carbono	1.245 toneladas métricas CO2E	Emisiones netas cero
Inversiones compensadas	$620,000	$ 2.3 millones planeados

Alkami Technology, Inc. (ALKT) - PESTLE Analysis: Social factors

The social landscape for Alkami Technology, Inc. is defined by a rapid, non-negotiable shift in consumer behavior toward digital-first, hyper-personalized financial experiences. This isn't a slow trend; it's a generational mandate. The core opportunity for Alkami lies in empowering regional and community financial institutions (FIs) to meet these sophisticated demands, effectively leveling the playing field against megabanks.

Strong consumer demand for hyper-personalized digital experiences, forcing banks to upgrade legacy systems.

Consumers now benchmark their banking app against the best digital experiences they use daily, like Amazon and Netflix. This means they expect their financial institution to anticipate their needs, not just process transactions. The demand for hyper-personalization is forcing regional banks and credit unions-Alkami's core market-to abandon their legacy, core-dependent systems, which simply cannot deliver the tailored, real-time insights consumers want.

Alkami's platform addresses this by leveraging data and Artificial Intelligence (AI) to deliver customized offerings. For a financial institution to remain relevant in 2025, they must shift from being a transactional service to a trusted partner, and that requires a modern, flexible digital layer that Alkami provides. Honesty, if your digital experience isn't seamless, customers will leave silently.

Digital adoption continues to rise, with Alkami's platform serving 20.9 million registered users as of Q2 2025.

The sheer scale of digital adoption validates Alkami's market position. As of the end of Q2 2025, the Alkami Platform hosted over 20.9 million registered users, demonstrating the accelerating digital transformation among its client base of regional and community FIs. This is a significant year-over-year increase of 2.3 million users, or 12% growth.

This growth in users directly translates to financial leverage for Alkami. The Revenue per Registered User (RPU) also increased by 17% year-over-year to $20.28 in Q2 2025, reflecting the successful cross-selling of additional products like the MANTL account opening solution into the growing user base.

Metric	Q2 2025 Value	Year-over-Year Change	Source of Growth
Registered Users	20.9 million	+12% (+2.3 million users)	New client additions and existing client user growth
Revenue per Registered User (RPU)	$20.28	+17%	Greater adoption of additional products (cross-selling)
Digital Banking Clients	280	+26 clients (from Q2 2024)	Strong new logo wins and MANTL acquisition impact

Growing focus on financial inclusion, where Alkami's platform helps regional banks reach underserved market segments.

Socially, there is a clear movement toward financial inclusion-ensuring all demographics have access to affordable, quality financial services. Regional banks and credit unions are often better positioned than megabanks to serve specific, underserved market segments, but they need the right technology to do it efficiently and at scale. Alkami's cloud-based platform and its core-agnostic architecture allow these smaller FIs to offer digital account opening and services to a wider, more diverse population, including those who are unbanked or underbanked.

The Alkami Digital Banking Playbook for 2025 emphasizes leveraging data insights for diversification, which is the technical blueprint for financial inclusion. By using data analytics and AI, Alkami's clients can tailor products to nuanced segments like gig workers or specific low-income communities, rather than relying on a one-size-fits-all approach.

Millennials and Gen Z expect customizable, mobile-first banking, driving the need for Alkami's modern architecture.

The preferences of Millennials and Gen Z are the primary social force reshaping the industry. They are digital natives who view mobile banking as a necessity, not a convenience. This is a crucial factor for Alkami, since its platform is inherently mobile-first and built with a modern, modular architecture, unlike the rigid systems of many legacy competitors.

The data from 2025 is stark on this point:

• 75% of Millennials would switch financial institutions if offered a better mobile experience.
• 72% of Gen Z prefer opening a bank account via an app rather than visiting a physical branch.
• Approximately 53% of Gen Z and 51% of Millennials state digital banking is a top criterion when choosing a financial institution.

This generational demand for a frictionless, mobile, and personalized experience is why Alkami's platform is defintely a strategic imperative for its clients. They need Alkami's technology to attract and retain the next wave of wealth-holding consumers.

Alkami Technology, Inc. (ALKT) - PESTLE Analysis: Technological factors

Generative AI Adoption is a Key Differentiator

You need to see Generative AI (GenAI) not as a future concept, but as a current mandate for digital banking platforms. The shift is happening fast. A May 2025 survey of financial institutions shows that 54% are either implementing GenAI or have already deployed it, which is a massive acceleration from the prior year. This is where Alkami Technology, Inc. (ALKT) needs to show its platform's readiness.

The real sign of institutional commitment is governance: 42% of financial institutions surveyed have a dedicated group overseeing their GenAI implementation. This level of formal oversight signals that the technology is moving beyond pilot programs into core strategic operations like improving customer experience, which 64% of banks cite as a primary use case, and enhancing internal productivity. For Alkami, this means its platform must not only support GenAI tools but also provide the secure, compliant data layer (the 'data and marketing solution') necessary for these complex models to function effectively.

Embedded Finance is Going Mainstream

Embedded finance-the seamless integration of financial services into non-financial customer journeys-is no longer a niche idea; it's a core competitive battleground. This trend requires deep, modern Application Programming Interface (API) capabilities that allow third-party fintechs to plug directly into the digital banking experience. Alkami's platform is built for this, demonstrated by its September 2025 win of Tearsheet's Best Banking-as-a-Service Platform award.

A concrete example is the November 2025 strategic partnership with fintech Spiral, which embeds savings, round-up, and charitable giving tools directly into the Alkami digital banking experience. This integration was immediately validated by Texans Credit Union, which saw over 1,000 members enroll in the Roundup program within 48 hours of launch. That's how you drive digital engagement and deposits.

Cybersecurity Threats Demand Continuous, Significant Investment

The rise of sophisticated, AI-powered scams and deepfakes means cybersecurity is a continuous, escalating cost of doing business. Alkami's clients, primarily regional and community financial institutions, rely on the platform to maintain a level of security that rivals the largest banks. This demands a proactive, layered security strategy.

The company's 2025 strategic guidance highlights 'Guarding the Financial Institution & Account Holders' as a key strategic play, specifically focusing on strengthening cybersecurity and implementing real-time fraud detection. The platform must deliver advanced protection features like passwordless authentication to reduce vulnerabilities from phishing and account takeover attacks, which are top-of-mind for every Chief Information Security Officer (CISO).

Alkami's Annual Recurring Revenue (ARR) Underscores SaaS Shift

The financial health of Alkami is defintely tied to the broader technological shift toward cloud-based Software-as-a-Service (SaaS) solutions in financial services. Community and regional banks are moving away from costly, monolithic legacy systems to flexible, multi-tenant cloud platforms like Alkami's. This is a massive tailwind.

The company's Q2 2025 financial results confirm this momentum. Alkami reported Annual Recurring Revenue (ARR) of $424 million, representing a strong 32% increase year-over-year. This ARR growth, coupled with a total of 20.9 million registered users on the platform in Q2 2025, shows that the market is embracing the modern, cloud-based digital banking model. The full-year 2025 GAAP total revenue guidance is projected to be between $443.0 million and $447.0 million.

Here's the quick math on the platform's scale:

Metric	Q2 2025 Value	Year-over-Year Change
Annual Recurring Revenue (ARR)	$424 million	32% Increase
GAAP Total Revenue (Q2 2025)	$112.1 million	36.4% Increase
Registered Users on Platform	20.9 million	12% Increase
Revenue Per Registered User	$20.28	17% Increase

The platform is clearly monetizing its user base more effectively, with revenue per registered user up 17% to $20.28. This is the benefit of a unified, data-driven platform.

Alkami Technology, Inc. (ALKT) - PESTLE Analysis: Legal factors

Continued high scrutiny on Anti-Money Laundering (AML) and Know-Your-Customer (KYC) compliance, which Alkami must build into its product suite.

Regulators are defintely pushing financial institutions toward continuous, technology-enabled Anti-Money Laundering (AML) and Know-Your-Customer (KYC) programs in 2025. This isn't just about avoiding fines-it's about managing systemic risk. Global AML/KYC penalties hit an astounding US $4.5 billion in 2024, showing the real cost of compliance failure. A key driver of this scrutiny is the Financial Crimes Enforcement Network (FinCEN) Beneficial Ownership Information (BOI) reporting rule, which came into force in January 2025.

This FinCEN rule requires banks to reconcile and ingest filings from over 32 million domestic firms, drastically increasing the customer due diligence (CDD) burden. For Alkami, this means its digital banking platform must natively support advanced, risk-based compliance tools like real-time transaction monitoring and automated identity verification to help its clients meet this ongoing operational imperative.

Potential for the CFPB's Section 1033 rule (consumer data rights) to mandate open banking standards, benefiting Alkami's data platform.

The regulatory path for US open banking is currently in a state of flux, but the long-term direction is clear: consumer data rights will expand. The Consumer Financial Protection Bureau's (CFPB) Section 1033 rule, which mandates that financial institutions provide consumers with access to and the ability to transfer their financial data to authorized third parties at no cost, is being reconsidered. After facing legal challenges, the CFPB filed a motion to stay the proceedings in July 2025 and is now initiating a new rulemaking process.

An Advance Notice of Proposed Rulemaking (ANPR) was published in August 2025, with comments due by October 21, 2025. This pause creates near-term uncertainty, but it gives Alkami an opportunity. The eventual rule will mandate a technical standard for data sharing, and Alkami's modern, API-driven platform is fundamentally better positioned than legacy core systems to facilitate this data flow, turning a regulatory mandate into a competitive advantage for its clients.

Regulatory focus on operational resilience and third-party risk management for banks, making Alkami's cloud-based reliability a selling point.

Operational resilience-the ability to prevent, withstand, and recover from disruption-is a top-tier regulatory priority in 2025. The Office of the Comptroller of the Currency (OCC) 2025 Bank Supervision Operating Plan prioritizes operational risk, emphasizing cyber threats and third-party vendor risk. The European Union's Digital Operational Resilience Act (DORA) also came into effect on January 17, 2025, setting a global standard for Information and Communication Technology (ICT) risk management and oversight of critical third-party ICT suppliers.

This focus is warranted: the European Central Bank's 2025 Supervisory Review and Evaluation Process (SREP) results show that operational risk and ICT risk continue to receive the worst average scores across supervised banks. Alkami's cloud-based, multi-tenant architecture directly addresses this regulatory pain point by offering a platform that is inherently more resilient and subject to centralized, rigorous risk controls than the on-premise solutions many of its clients are trying to replace.

2025 Regulatory Requirement/Focus	Key Compliance Date/Metric	Alkami Technology (ALKT) Opportunity
FinCEN Beneficial Ownership Information (BOI) Rule	Effective January 2025; impacts 32M+ domestic firms.	Integrate automated Customer Due Diligence (CDD) and enhanced KYC tools into the platform for client compliance.
CFPB Section 1033 (Open Banking) Reconsideration	Original compliance date was June 30, 2026; new rulemaking process initiated in July 2025.	Position the API-driven platform as the most efficient solution for the inevitable consumer data access mandate.
Operational Resilience/Third-Party Risk (e.g., DORA)	DORA effective January 17, 2025; ICT risk is a top SREP supervisory concern.	Market cloud-based reliability and centralized security as a superior alternative to managing third-party risk internally.
FDIC Digital Signage Rule (12 CFR 328.5)	Compliance date for digital channels/ATMs extended from May 1, 2025, to March 1, 2026.	Provide a pre-built, compliant solution for displaying the official digital FDIC sign on all client websites and mobile apps, saving them implementation time.

Banks face a compliance date extension for certain FDIC digital signage rules until March 2026, easing near-term implementation pressure.

The Federal Deposit Insurance Corporation (FDIC) has provided a small, but significant, reprieve for financial institutions. The compliance date for certain amendments to the official signs and advertising requirements, specifically those related to displaying the official digital FDIC sign on digital channels and Automated Teller Machines (ATMs), has been extended. The new deadline for compliance with 12 CFR 328.5 (digital channels) and analogous requirements under 12 CFR 328.4 (ATMs) is now March 1, 2026, postponed from the earlier May 1, 2025, date. This extension does not affect other amendments to the rule, which still required compliance by May 1, 2025.

This delay gives Alkami's client banks more time to implement the necessary technical changes, but it doesn't eliminate the requirement. Alkami can offer a quick, compliant update to its digital banking platform to handle this requirement long before the new March 2026 deadline, turning a compliance headache into a simple feature update for its customers.

Alkami Technology, Inc. (ALKT) - PESTLE Analysis: Environmental factors

Increasing pressure for financial institutions to adopt Environmental, Social, and Governance (ESG) criteria in operations and vendor selection.

You are seeing a fundamental shift where Environmental, Social, and Governance (ESG) performance is no longer a 'nice-to-have' but a non-negotiable part of vendor assessment for financial institutions. Regulators and investors are demanding transparency, so your clients-community banks and credit unions-must scrutinize their entire supply chain, including their core technology providers like Alkami Technology, Inc..

In 2025, a vendor's ESG profile directly impacts a financial institution's reputational and compliance risk, especially with new standards like the EU's Corporate Sustainability Reporting Directive (CSRD) requiring reporting on over 1,000 ESG indicators. This means Alkami's own environmental footprint and its ability to help clients meet these standards are now critical sales differentiators. Honestly, if a vendor can't provide clear ESG data, they won't even make the shortlist for a major contract.

Alkami's cloud-based Software-as-a-Service (SaaS) model is inherently more energy-efficient than client-hosted, on-premise legacy systems.

Alkami's core business model-a cloud-based Software-as-a-Service (SaaS) platform-gives it a significant environmental advantage over older, client-hosted systems. Cloud computing, by consolidating server usage and leveraging hyperscale data centers, is simply more energy-efficient than having dozens of individual, inefficient servers running in bank basements.

The market has already tipped, with 60% of companies now doing more than half of their work in the cloud, up from 39% in 2022. Alkami helps its clients lower their Scope 3 emissions (indirect emissions from their value chain) just by being their vendor. Here's the quick math on the operational contrast:

Factor	Alkami's Cloud-SaaS Model	On-Premise Legacy Model
Energy Efficiency	High (Consolidated servers, optimized cooling, renewable energy options from cloud providers)	Low (Individual, often older servers, variable PUE, no shared optimization)
Operational Emissions (Scope 3 for FI)	Lower (Shifted to the cloud provider, often with net-zero targets)	Higher (Directly attributed to the FI's physical data center)
Hardware Lifecycle Waste	Minimal for FI (No server hardware to purchase or dispose of)	High (Regular hardware refresh cycles and disposal)

Demand for 'Green Banking' features like carbon footprint tracking in digital platforms, creating a new product opportunity.

The consumer-driven demand for 'Green Banking' features is creating a clear, near-term product opportunity for Alkami. Consumers, particularly younger generations, are actively seeking tools to manage their personal environmental impact.

The numbers don't lie: 75% of mobile banking users want insight into the carbon impact of their spending, and the global green fintech market is projected to grow at a 22.4% CAGR between 2024 and 2029. This is a massive, untapped market for Alkami's clients, and the platform is the natural delivery vehicle for these tools. Alkami can integrate third-party solutions, like the Mastercard Carbon Calculator, directly into its digital banking platform, turning a compliance headache for banks into a competitive feature.

This is a fast-moving trend you can't afford to ignore.

ESG reporting requirements for clients will drive demand for data-rich platform analytics on operational impact.

The new wave of ESG regulation means financial institutions need granular, auditable data to prove their sustainability claims, and Alkami's platform is perfectly positioned to deliver that data. Banks must invest in new IT systems and analytical platforms to accurately measure climate risk and report ESG indicators.

Alkami's Data & Marketing Solution, which already centralizes user and transaction data, can be enhanced to provide the necessary analytics for client ESG reporting. This capability will be a powerful driver for platform adoption and upsells, especially as clients look to meet complex reporting mandates like the EU Taxonomy alignment, which became mandatory for some financial institutions in 2025.

This data-driven approach is a key component of Alkami's value proposition in 2025. For context, Alkami's 2025 fiscal year guidance projects GAAP total revenue in the range of $442.5 million to $444.0 million, and expanding these data services is key to hitting the Adjusted EBITDA target of $56.0 million to $57.0 million.

• Integrate carbon-tracking APIs into the Digital Banking Solution.
• Develop a vendor-side ESG scorecard for client due diligence.
• Launch a 'Green Account' feature with automated carbon offsets.