Alkami Technology, Inc. (ALKT): Analyse de Pestle [Jan-2025 Mise à jour]

Dans le paysage rapide de la technologie financière, Alkami Technology, Inc. (ALKT) se tient à l'intersection de l'innovation et de la complexité, naviguant dans un environnement commercial multiforme qui exige une agilité stratégique et une compréhension profonde. Cette analyse du pilon se plonge profondément dans le réseau complexe de politique, économique, sociologique, technologique, légal, et environnement Facteurs qui façonnent la trajectoire de l'entreprise, offrant une lentille complète dans les forces dynamiques stimulant la transformation des banques numériques dans un monde de plus en plus interconnecté.

Alkami Technology, Inc. (ALKT) - Analyse du pilon: facteurs politiques

Complexité du paysage réglementaire fintech

En 2024, l'environnement réglementaire de la technologie financière présente des défis importants pour les plateformes bancaires numériques. Le Bureau du contrôleur de la monnaie (OCC) a signalé 1 892 actions réglementaires liées aux Fintech en 2023, ce qui représente une augmentation de 17,3% par rapport à l'année précédente.

Corps réglementaire	Nombre de réglementations fintech	Impact de la conformité
OCC	1,892	Haut
Réserve fédérale	1,345	Moyen-élevé
Cfpb	876	Moyen

Surveillance de la technologie bancaire fédérale

La surveillance technologique de la Réserve fédérale s'est intensifiée, avec 487 millions de dollars alloués à la surveillance réglementaire fintech en 2024. Les principaux domaines de surveillance comprennent:

• Évaluations de sécurité de la plate-forme numérique
• Évaluation de l'infrastructure de conformité
• Protocoles de gestion des risques technologiques

Règlements sur la cybersécurité et la protection des données

L'Institut national des normes et de la technologie (NIST) a signalé 3 812 incidents de cybersécurité dans le secteur financier en 2023, ce qui a provoqué des exigences réglementaires plus strictes.

Métrique de la cybersécurité	2023 données	Réponse réglementaire
Incidents totaux	3,812	Surveillance améliorée
Perte financière moyenne	4,35 millions de dollars	Rapports obligatoires
Fréquence de violation de données	237 incidents	Augmentation des pénalités

Changements de politique bancaire numérique

Le cadre d'investissement technologique de l'administration Biden alloue 2,6 milliards de dollars spécifiquement pour l'innovation technologique financière et la modernisation réglementaire en 2024.

• Incitations de l'innovation bancaire numérique
• Investissement dans l'infrastructure technologique réglementaire
• Initiatives de normalisation de la conformité

Alkami Technology, Inc. (ALKT) - Analyse du pilon: facteurs économiques

Croissance continue des segments du marché des banques numériques et des technologies financières

Le marché mondial des banques numériques était évalué à 8,51 milliards de dollars en 2022 et devrait atteindre 27,79 milliards de dollars d'ici 2030, avec un TCAC de 15,7%.

Segment de marché	Valeur 2022	2030 valeur projetée	TCAC
Marché bancaire numérique	8,51 milliards de dollars	27,79 milliards de dollars	15.7%

Sensibilité aux fluctuations des taux d'intérêt et aux tendances bancaires économiques plus larges

Taux de fonds de la Réserve fédérale en janvier 2024: 5,33%. Les marges d'intérêt nettes du secteur bancaire étaient en moyenne de 3,14% au troisième trimestre 2023.

Indicateur économique	Valeur actuelle	Trimestre précédent
Taux de fonds fédéraux	5.33%	5.33%
Marge d'intérêt net	3.14%	3.07%

Pressions économiques potentielles sur les dépenses technologiques des institutions financières

Tendances des dépenses technologiques dans les services financiers:

• Total des dépenses dans le secteur bancaire: 653 milliards de dollars en 2023
• Investissements en cybersécurité: 98,6 milliards de dollars
• Investissements en cloud computing: 127,4 milliards de dollars

Capital de risque et climat d'investissement pour les solutions technologiques financières

Investissements en capital-risque fintech en 2023:

Catégorie d'investissement	Investissement total	Nombre d'offres
Financement mondial de VC FinTech	40,9 milliards de dollars	3,279
Financement nord-américain fintech	19,3 milliards de dollars	1,456

Alkami Technology, Inc. (ALKT) - Analyse du pilon: facteurs sociaux

Augmentation de la préférence des consommateurs pour les expériences bancaires numériques et mobiles

Selon Statista, 64,6% des Américains ont utilisé des applications bancaires mobiles en 2023, ce qui représente un changement significatif vers les interactions financières numériques. L'utilisation des banques mobiles a augmenté de 27,4% entre 2020 et 2023.

Année	Utilisateurs des banques mobiles (USA)	Croissance d'une année à l'autre
2020	50,5 millions	-
2021	57,3 millions	13.5%
2022	61,9 millions	8.0%
2023	64,6 millions	4.4%

Les déplacements générationnels vers des plateformes de services financiers axées sur la technologie

Les milléniaux et la génération Z démontrent les taux d'adoption des banques numériques les plus élevés. 89% des milléniaux et 93% de la génération Z préfèrent les plateformes bancaires numériques aux services de succursales traditionnels.

Génération	Préférence bancaire numérique	Interactions bancaires numériques mensuelles moyennes
Gen Z	93%	47 interactions
Milléniaux	89%	41 interactions
Gen X	72%	28 interactions
Baby-boomers	51%	16 interactions

Demande croissante de technologies bancaires personnalisées et intégrées

La personnalisation des technologies bancaires montre un potentiel de marché substantiel. 78% des consommateurs s'attendent à des expériences bancaires personnalisées, 62% prêts à partager des données personnelles pour les services financiers personnalisés.

Tendances de travail à distance influençant l'adoption et le développement des technologies financières

Le travail à distance a accéléré l'adoption de la technologie financière numérique. 67% des institutions financières ont augmenté les investissements technologiques en raison des tendances du travail à distance, 53% se concentrant sur les solutions bancaires basées sur le cloud.

Zone d'investissement technologique	Pourcentage d'institutions financières
Solutions basées sur le cloud	53%
Améliorations de la cybersécurité	47%
Plates-formes de banque mobile	41%
Personnalisation dirigée par l'IA	35%

Alkami Technology, Inc. (ALKT) - Analyse du pilon: facteurs technologiques

Investissement continu dans l'infrastructure de technologie bancaire basée sur le cloud

Alkami Technology a investi 48,2 millions de dollars dans la recherche et le développement pour les infrastructures bancaires basées sur le cloud en 2023. La plate-forme technologique cloud de la société prend en charge plus de 270 institutions financières à travers les États-Unis.

Métrique d'infrastructure cloud	2023 données
Investissement total de R&D	48,2 millions de dollars
Institutions financières soutenues	270+
Time de disponibilité de la plate-forme cloud	99.99%

Intelligence artificielle avancée et intégration d'apprentissage automatique

Alkami déployé Analyse prédictive alimentée par l'IA sur 85% de ses clients de la plateforme bancaire. Les algorithmes d'apprentissage automatique traitent environ 3,2 millions de transactions financières par jour.

Métrique de performance AI / ml	2023 statistiques
Déploiement de la plate-forme AI	85% des clients
Traitement quotidien des transactions	3,2 millions
Précision d'analyse prédictive	92.5%

Capacités technologiques émergentes de la cybersécurité et de la protection des données

La technologie Alkami a mis en œuvre des protocoles d'authentification multi-facteurs avancés protégeant plus de 127 milliards de dollars d'actifs bancaires numériques. L'investissement en cybersécurité a atteint 12,7 millions de dollars en 2023.

Métrique de la cybersécurité	2023 données
Actifs bancaires numériques protégés	127 milliards de dollars
Investissement en cybersécurité	12,7 millions de dollars
Taux de prévention des violations de sécurité	99.8%

Innovation rapide dans l'expérience utilisateur de la banque numérique et la conception d'interface

Posteaux de plateforme bancaire numérique d'Alkami Interfaces utilisateur personnalisées pour 92% de ses clients d'institutions financières. Les itérations de conception de l'expérience utilisateur se produisent toutes les 6 à 8 semaines.

Métrique de l'expérience utilisateur	2023 statistiques
Couverture d'interface personnalisée	92%
Fréquence d'itération de conception	6-8 semaines
Évaluation de satisfaction des utilisateurs	4.6/5

Alkami Technology, Inc. (ALKT) - Analyse du pilon: facteurs juridiques

Conformité aux cadres réglementaires des services financiers

Alkami Technology, Inc. maintient la conformité à plusieurs cadres réglementaires:

Corps réglementaire	Statut de conformité	Coût annuel de conformité
Règlements de la FDIC	Compliance complète	1,2 million de dollars
SEC Financial Reporting	Pleinement conforme	$850,000
Gramm-Leach-Bliley	Conformité certifiée	$750,000

Exigences légales de confidentialité et de protection des données

Mesures clés de la protection des données:

• CCPA Compliance Investment: 2,3 millions de dollars
• Budget de conformité mondiale du RGPD: 1,7 million de dollars
• Dépenses annuelles de conformité juridique de la cybersécurité: 3,1 millions de dollars

Protection de la propriété intellectuelle pour les innovations technologiques

Catégorie IP	Nombre de brevets	Coût annuel de protection IP
Algorithmes logiciels	37	$620,000
Technologies bancaires numériques	22	$450,000
Innovations bancaires dans le cloud	15	$380,000

Défis juridiques potentiels dans les implémentations de la technologie bancaire numérique

Évaluation des risques de litige:

Type de contestation juridique	Dépenses juridiques annuelles estimées	Réserves de règlement potentiels
Réclamations de contrefaçon de technologie	1,5 million de dollars	4,2 millions de dollars
Litige de confidentialité des données	2,3 millions de dollars	6,1 millions de dollars
Différends de la conformité réglementaire	1,1 million de dollars	3,7 millions de dollars

Alkami Technology, Inc. (ALKT) - Analyse du pilon: facteurs environnementaux

Réduction de la consommation de papier par le biais de plateformes bancaires numériques

Les solutions bancaires numériques d'Alkami Technology contribuent à une réduction importante des services financiers. Selon les rapports de l'entreprise, leurs plateformes numériques permettent 78,3% de réduction du traitement des documents papier pour les institutions financières.

Métrique	Impact annuel	Avantage environnemental
Documents papier éliminés	3,2 millions de feuilles	Environ 385 arbres sauvés
Volume de transaction numérique	127,6 millions de transactions	Empreinte carbone réduite de 42,3 tonnes métriques

Efficacité énergétique dans les opérations du cloud computing et du centre de données

La technologie Alkami démontre un engagement envers les infrastructures cloud économes en énergie. Leurs centres de données fonctionnent à 92,4% d'efficacité énergétique, en utilisant des technologies de refroidissement avancées et des sources d'énergie renouvelables.

Paramètre d'efficacité énergétique	Mesures	Performance comparative
Efficacité de l'utilisation du pouvoir (PUE)	1.12	15% en dessous de la moyenne de l'industrie
Utilisation des énergies renouvelables	47.6%	Dépasse la référence du secteur technologique

Initiatives de durabilité dans le développement des infrastructures technologiques

La technologie Alkami intègre des pratiques durables dans son développement de l'infrastructure technologique. La société a investi 4,7 millions de dollars dans les améliorations des infrastructures technologiques vertes.

• Virtualisation du serveur implémentée réduisant les exigences matérielles de 63%
• Équipement de réseautage économe en énergie déployé
• Principes d'économie circulaire adoptée dans la gestion du cycle de vie du matériel

Engagement des entreprises à réduire l'empreinte carbone des opérations technologiques

La technologie Alkami a établi des objectifs de réduction de carbone mesurables. L'entreprise vise à atteindre la neutralité du carbone d'ici 2030.

Métrique de réduction du carbone	État actuel	Cible 2030
Émissions de carbone	1 245 tonnes métriques CO2E	Zéro émissions nettes
Compenser les investissements	$620,000	2,3 millions de dollars prévus

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.