Core Insights - Alkami Technology, Inc. is hosting a webinar on Anticipatory Banking, featuring Red Rocks Credit Union and Mascoma Bank, to discuss how its Digital Sales & Service Platform enhances customer engagement and relationship growth [1][2]. Group 1: Anticipatory Banking Concept - Anticipatory Banking represents a shift from reactive to predictive engagement, allowing financial institutions to meet customer needs before they are expressed [2][4]. - The concept emphasizes a connected experience rather than siloed interactions, aiming for a more member-centric approach [2]. Group 2: Webinar Details - The webinar titled "How Financial Institutions Are Using Alkami's Digital Sales & Service Platform to Compete, Grow, and Retain" is scheduled for November 18 at 1 p.m. ET, featuring leaders from various financial institutions [2]. - Attendees will gain insights into business growth, innovation, and strategies for enhancing digital engagement [2][3]. Group 3: Alkami's Digital Sales & Service Platform - The Platform integrates Onboarding & Account Opening, Digital Banking, and Data & Marketing Solutions, enabling seamless onboarding and personalized digital experiences [3][5]. - It supports financial institutions in transitioning from reactive support models to predictive, data-informed sales and service strategies [3][4]. Group 4: Strategic Goals and Outcomes - Alkami's solutions align with key strategic objectives such as increasing deposits, engagement, loans, and revenue, thereby connecting technology to measurable business impacts [4]. - The company has been recognized by J.D. Power for providing an outstanding mobile banking platform experience in 2024 and 2025 [5].

Core Insights - The mortgage industry is experiencing significant changes due to interest rate fluctuations and regulatory pressures, impacting lenders' operations and profitability [5][18][20]. Group 1: Market Trends and Economic Indicators - Freddie Mac reported a net income of $2.8 billion for Q3 2025, down 11% year-over-year, primarily due to a credit reserve build [17]. - Redwood Trust achieved a record $6.8 billion in cumulative loan production, with an 84% increase in capital allocated to mortgage banking since Q2 2024 [17]. - The Federal Reserve cut the federal funds rate target range by 25 basis points to 3.75% to 4.00%, with expectations of further cuts in December [18][20]. Group 2: Compliance and Regulatory Changes - Lenders must stay vigilant regarding changes in federal, state, and local fees, as inaccuracies can lead to significant financial losses [3][5]. - A well-supported compliance function is essential for reducing risk and driving efficiency, especially with increasing regulatory oversight [5]. Group 3: Technological Innovations and Solutions - Non-QM originations are growing, prompting lenders to hedge interest rate risk using Eris SOFR Swap futures, which provide better execution for loan sales [2]. - Automation in processes, such as title and valuation orders, can significantly reduce closing times for lenders, as demonstrated by Mascoma Bank's partnership with FirstClose [4]. Group 4: Industry Events and Networking Opportunities - The Optimal Blue Summit will feature key industry leaders discussing policy, forecasting, and market strategies, providing valuable insights for lenders [3]. - Various webinars and training sessions are being offered to help industry professionals stay updated on market trends and compliance requirements [7][8][12].

Core Insights - Alkami Technology, Inc. has launched its full Digital Sales & Service Platform at Mascoma Bank, enhancing the bank's digital banking capabilities and customer engagement strategies [1][2][3] Company Overview - Mascoma Bank is a $2.9 billion mutual bank with 25 branches and 2 loan offices in Northern New England, founded in 1899 to support local economic health [6] - Alkami provides a unified digital sales and service platform for U.S. banks and credit unions, integrating onboarding, digital banking, and data marketing solutions [5] Digital Banking Strategy - Mascoma views digital banking as a critical sales channel and a foundation for customer engagement, aiming to build stronger relationships through a user-friendly digital experience [2][3] - The full Alkami Platform allows Mascoma to unify onboarding, digital banking, and marketing into a seamless, data-driven experience, enabling anticipatory banking [3][4] Customer Experience Enhancement - The Alkami Digital Sales & Service Platform is designed to enhance customer service and community support, aligning with Mascoma's commitment to customer-centric values [4][6] - Alkami has received recognition from J.D. Power for providing an outstanding mobile banking platform experience in 2024 and 2025 [5]