Banks & Credit Unions

Technology to help banks & credit unions compete and win

Community banks and credit unions power the communities they serve. To keep that momentum strong, they need technology that helps them move faster, serve customers better and compete with confidence. For more than 50 years, SHAZAM has delivered the infrastructure, innovation and expertise that make that possible.

As a trusted financial services technology provider, SHAZAM helps financial institutions modernize operations, strengthen payments capabilities and deliver the experiences today’s customers expect. Because we're member-owned, we answer to the clients we serve — not outside shareholders — ensuring our priorities stay aligned with yours.

Our integrated ecosystem brings together a trusted payments network, flexible core banking software, secure payments processing and modern digital banking tools, empowering financial institutions to evolve their technology while preserving the personal relationships that define community banking.

Whether you’re expanding capabilities, enhancing existing systems or reinforcing security and compliance, SHAZAM delivers the technology and partnership you need to compete and grow in this rapidly evolving financial landscape.

Service that strengthens community financial institutions

“SHAZAM has consistently provided outstanding service. Every interaction has been exceptional – kind, professional, insightful and prompt. What truly sets SHAZAM apart is their willingness not only to assist, but to educate and empower our team. In my 30 years in banking, I've never encountered a vendor that delivers this level of support.”

Traci Jarvis, Vice President & Branch Administrator

Citizens Bank — Robertsdale, AL

Helping you navigate change with confidence

Running a community bank or credit union today means balancing a lot of competing priorities. Your accountholders expect seamless digital experiences. Technology is evolving quickly. And regulatory expectations continue to grow.

At the same time, you’re focused on something larger institutions often struggle to deliver: trusted relationships with the people and communities you serve.

That’s where SHAZAM comes in. We deliver the financial technology solutions and resilient payments infrastructure you need to move forward with confidence. Because we operate as a member-owned payments network, our focus remains where it should be — helping community banks and credit unions like yours succeed.

Our suite of financial services technology is designed to simplify operations, strengthen your payments capabilities and help you deliver modern services without losing the personal connection your customers value.

Payments processing

Challenge:

Many community banks and credit unions still rely on legacy payments processing systems that slow innovation and increase operational risk. Any disruption between a processor and global payment rails can interrupt the real-time experiences accountholders expect.

Solution:

As a financial services technology provider, SHAZAM bridges the gap between your institution and the global payments ecosystem with Peregrine™ — a processing engine built for speed and precision.

Powered by a resilient gateway, Peregrine™ unifies debit, ATM and acquirer activity into one streamlined platform. This consolidation strengthens your payments infrastructure, enhances fraud mitigation and ensures every transaction — from a tap to an ATM withdrawal — is processed in milliseconds.

Payments network

Challenge:

Community banks and credit unions often face a participation tax — higher costs and rigid routing rules imposed by networks that prioritize shareholder profits over financial institutions.

Solution:

As one of the nation’s largest member-owned, unaffiliated debit networks, the SHAZAM payments network restores your independence. Because we answer only to our clients, our incentives stay aligned with yours.

You gain routing flexibility to maximize net interchange, plus the scale to compete with national brands. With seamless Visa^® and Mastercard^® connectivity and 99.99% uptime, you’re not just a participant — you’re an owner with a voice in the payments industry.

Digital banking

Challenge:

Accountholders expect the same seamless digital banking experiences offered by megabanks, but many platforms force community institutions to sacrifice brand identity or work within rigid systems.

Solution:

DigiHive™ gives you a flexible, core-agnostic banking technology platform that delivers real-time, secure access without compromising your brand. By blending modern convenience with your institution’s personal touch, DigiHive™ strengthens engagement, deepens loyalty and helps you compete on experience — not just features.

For community institutions looking to modernize without losing their identity, DigiHive™ is the financial technology solution that keeps you in control.

Core banking

Challenge:

For community banks, legacy core systems often limit growth. These rigid environments slow integrations, restrict scalability and make it difficult to respond to shifting accountholder expectations.

Solution:

KinetiCore™ delivers modern, browser-based core banking software designed for agility. Real-time APIs and flexible architecture make it easy to connect with third-party systems, automate manual processes and strengthen your payments infrastructure.

As a member-owned partner, SHAZAM ensures KinetiCore™ remains affordable, scalable and aligned with the needs of community banks — so you can focus on serving your accountholders rather than managing legacy limitations.

Information management

Challenge:

Fragmented document storage creates operational silos that expose community financial institutions to risk. For teams juggling compliance audits and daily customer service, manual filing and organization is time-consuming and not audit-friendly.

Solution:

DocuCommand^® centralizes your documents in a secure, compliant hub built specifically for the rigorous regulatory needs of community banks and credit unions. Automated workflows and audit-ready organization eliminate bottlenecks and improve consistency, while built-in tracking and archiving tools help ensure audit readiness.

As part of SHAZAM’s broader financial technology solutions, DocuCommand empowers your staff to collaborate in real time so they can focus on serving accountholders — not managing paperwork.

Security & compliance

Challenge:

Cyber threats evolve quickly, and regulatory expectations shift just as fast. Outdated policies or training can expose community financial institutions to breaches, penalties and reputational damage.

Solution:

SHAZAM provides comprehensive security and compliance services that turn our experts into your experts. From FFIEC-aligned IT audits and vulnerability assessments to crisis management training, our experts help you stay proactive and protected.

By integrating these defenses directly into your payments infrastructure, we help you maintain community trust while keeping your community bank or credit union secure, compliant and ready for what’s next.

Proven support that strengthens your financial institution

At SHAZAM, we share the same relationship-driven values that guide community banks and credit unions. As a financial services technology provider, we deliver 24/7, U.S.-based service so you can stay focused on providing a seamless accountholder experience.

Our team operates on your schedule to ensure uninterrupted service and faster resolution when you need it most. Whether you rely on us for payments processing, core banking or any of our other products and services, you can be confident that when questions arise, we’re always just a phone call away.

of client phone calls are answered by a support team member in the U.S.

of client phone calls are resolved in the same day

overall client support satisfaction score in 2025

Financial technology solutions backed by experience, built for your success

When you’re looking for a financial services technology provider that truly understands community banks and credit unions, SHAZAM is here for you. Our suite of financial technology solutions is built to help you stay competitive and deliver lasting value to your accountholders.

We succeed when you do. Every time you overcome a challenge, streamline a process or enhance service delivery, we see that as a win for us both — and for all the banks and credit unions we proudly support nationwide.

Ready to explore what SHAZAM can do for your bank or credit union?