Core Banking

Core banking solutions that help banks compete and grow

KinetiCore^™ banking solutions is more than a traditional system — it’s a unified, scalable platform built to help community banks compete, grow and deliver exceptional customer experiences. Our all‑in‑one core banking software brings together intuitive modules that streamline daily operations, reduce costs and save your team valuable time. And behind every feature is a support team with real industry experience and a commitment to your success.

With KinetiCore^™, community banks gain the freedom to build a modern technology ecosystem without rigid contracts or forced vendor partnerships. Our real‑time open banking API framework makes it easy to connect your core banking software to digital banking, card processing and a growing network of trusted third‑party providers.

Whether you're looking to add new capabilities or optimize workflows, SHAZAM's integrated core banking system lets you innovate at the pace that's right for your financial institution and deliver the seamless experiences your accountholders expect.

A smoother core conversion, backed by a stronger partner

A core conversion is a major decision — and choosing the right partner makes all the difference. With SHAZAM, you’re supported from day one by a dedicated conversion manager and an experienced team focused on delivering a frictionless transition to your new banking software system.

We provide comprehensive mapping, hands‑on training and implementation guidance to ensure every ancillary solution integrates seamlessly with your new banking software system. Plus, our in-house marketing team helps you clearly communicate changes throughout the process. Once you’re live, you’ll benefit from our 100% U.S.-based, 24/7/365 customer support and ongoing training resources.

Comprehensive core banking services for better efficiency

KinetiCore™ is packed with efficient, reliable tools designed to streamline your bank's operations and enhance institutional performance:

Smarter account opening

AccountLaunch^® streamlines account opening by scanning a customer’s driver’s license or using existing data to auto‑generate documents. Integrated with Wolters Kluwer^® forms, it enables single‑entry workflows for a seamless, compliant experience.

Powerful reporting

Core Insight™ provides comprehensive access to nearly every data field within the KinetiCore™ platform, enabling even more accurate and insightful reporting. Use preconfigured standard reports or create customized reports tailored to your institution’s needs.

Unified check handling

Our Check 21 solution simplifies check image processing across all capture channels — branch, teller, merchant and centralized — and supports multiple statement options, including truncated and full statements, e‑statements and CD creation.

Real-time compliance

LookOut^® provides real‑time oversight of transaction activity to help meet compliance requirements. It monitors risk codes and supports key regulatory standards — including AML, BSA, OFAC, FinCEN and the FACT Act — to quickly identify potential issues.

Real-Time Interface (RTI)

Put your bank in control… in real time

Real-Time Interface (RTI) brings powerful, real-time card management directly into KinetiCore™, giving your bank the speed, visibility, and control needed to serve today’s cardholders and compete in a crowded market.

By instantly connecting authorization, transaction posting, and account balances, RTI enables your team to act in the moment while strengthening relationships and improving your team’s operational performance.

Why real-time changes everything

RTI transforms how your institution manages and supports card programs:

Act instantly with real-time authorization and transaction posting
Gain visibility into cardholder activity as it happens
Respond confidently to fraud risks, service needs, and customer inquiries

Streamline debit card operations

Simplify operations

RTI goes beyond transactions to streamline your card program operations:

Support critical back-office functions with built-in business services
Manage cards centrally within the KinetiCore platform to issue, update, and maintain in one place
Reduce manual effort with automated processes that improve efficiency

The power to fight fraud

Take immediate control

Stay in control of your card program with real-time action:

Instantly block, restrict, or update card activity
Customize limits, permissions, and controls to fit your institution
Strengthen fraud response and minimize risk exposure with immediate intervention

Grow debit card use

Grow engagement & card usage

RTI helps you maximize the value of your card program:

Promote cards and services more effectively to new and existing customers
Leverage insights to increase card usage and engagement
Support strategies that build long-term loyalty and stronger relationships

Create better experiences

Deliver a better cardholder experience

Meet rising expectations with faster, more responsive service:

Provide real-time processing for quicker service interactions
Resolve issues faster with streamlined workflows
Support dispute resolution and customer care to build trust and satisfaction

Real-Time Interface (RTI) brings together processing, control, and flexibility in one unified solution—empowering your institution to:

Operate more efficiently
Respond faster to customer needs
Deliver greater value across every cardholder interaction

Customizable solutions built around your strategy

KinetiCore™ allows you to create fully customized rewards checking programs directly at the deposit‑product level, giving your institution complete control over how rewards are structured, managed and delivered. This built‑in flexibility eliminates the need for external vendors or third‑party add‑ons, allowing you to design tailored incentives that support your strategic goals and strengthen customer engagement.

The platform also provides a highly adaptable loan management environment that supports payoff processing, charge‑offs, servicing and daily exceptions across commercial, consumer and mortgage portfolios. As a trusted core banking provider, we offer seamless integration with major loan origination systems, enabling you to build workflows that match your lending strategy from end to end. Integrated document imaging and COLD storage further streamline how loan documentation is organized, secured and accessed — ensuring efficiency throughout the entire loan lifecycle.

A partnership that lets us focus on what matters most

“We knew that the technology would work and allow us to build our community in a stronger way. That’s why we partnered with SHAZAM and why we continue to partner with them. We don’t have to worry about the issues that come up with technology because we know SHAZAM is going to take care of it. It allows us to focus on serving our customers and helping our community grow.”

Jay Kennedy, President & CEO

First National Bank — Frankfort, KS

Join the KinetiCore™ User Group community

The KinetiCore™ User Group is an independently managed peer community of KinetiCore™ clients who collaborate on best practices and product enhancement ideas. Each year, SHAZAM hosts a multi‑day conference where users can learn about new modules, explore future enhancements and engage directly with product specialists.

The insights from this user group play a key role in shaping our product roadmap, ensuring our core banking solutions evolve to meet the real‑world needs of community banks today and into the future.

A core built to evolve along with you

Your core environment should empower growth — not limit it. KinetiCore™ banking solutions provide the stability, scalability and modern architecture community banks need to meet rising customer expectations and navigate a rapidly changing financial landscape.

Designed with flexibility at its foundation, KinetiCore™ gives your institution greater control over your core banking experience. Its open connectivity, configurable workflows and integrated services support evolving strategies, strengthen operational efficiency and enhance risk management. From everyday reliability to long‑term transformation, KinetiCore™ delivers a core banking platform that scales alongside you.

Ready to elevate your core banking strategy?

Blog

SHAZAM's membership difference

SHAZAM is the nation’s only independent, member-owned debit network, processor and core provider — here’s why that matters.

Explore more solutions from SHAZAM

DigiHive™ Digital Banking

Peregrine™ Processing Solutions

Security & Compliance

DocuCommand^®