Agora Financial Technologies

?? Robinhood Is Coming for the Banks — And They’re Bringing Cash to Your Doorstep ?? This fall, Robinhood Banking goes live—and it’s not just another product rollout. It’s a direct threat to traditional banking: ? Checking & savings accounts ? 4% APY ? Joint & kids' accounts ? FDIC pass-through insurance ? On-demand physical cash delivery ? Wealth management tools ? AI-driven investing insights ?? Robinhood isn’t digitizing banking. They’re rebuilding it from scratch—fast, sleek, and built for the customer of today. Meanwhile, too many banks are still stuck debating core conversions... or slapping an API on a legacy system and calling it a strategy. Let’s be real: ?? Legacy cores can’t keep up ?? Slow product cycles won’t compete ?? Duct-taped API wrappers aren’t innovation If you're a community bank or credit union, it’s time to wake up. ? Yes, you can compete. ? Yes, you can innovate. ?? But not with 1980s infrastructure. ?? The answer? A Side Core Strategy powered by Modular Banking—enabled by Agora Financial Technologies: ?? Microservices-based architecture ?? Launch products in weeks, not years ?? Built for fintech partnerships & embedded banking ?? Deliver seamless digital experiences without legacy drag Robinhood is coming. Fast. Bold. Direct-to-consumer. Will your bank keep up—or get left behind? ?? It's time to stop duct-taping your future. Agora is how you fight back. #Fintech #BankingInnovation #DigitalBanking #ModularBanking #SideCore #EmbeddedFinance #CommunityBanks #CreditUnions #CoreBanking #FinancialServices

API, API, API! Or… PIVOT, PIVOT, PIVOT! ?? As Ross would say—sometimes, no matter how hard you try, it’s just not going to fit. ?? A Community Bank just declared victory in Digital Transformation! ?? Their big move? Partnering with their trusted legacy core provider to “embrace embedded fintech”—by… wait for it… deploying an API layer! ???? But here’s the problem… ?? Adding APIs to a legacy core is like Ross trying to pivot that couch—it’s still a bad fit. No matter how much you yell "PIVOT!", the system (or couch) is still constrained by outdated architecture. Legacy cores weren’t built for today’s fintech needs, just like that stairwell wasn’t designed for moving a massive couch. You can try APIs (or pivoting), but if the foundation isn’t built for modern flexibility, you’ll just get stuck. ?? Real Digital Transformation Requires More. APIs help, but they’re not the foundation. True modernization means breaking free from rigid legacy cores—not just layering APIs on top. ?? Agora’s Modular Banking changes the game. With a microservices-based side core, banks can: ? Launch new products in weeks, not years ? Scale seamlessly—without legacy roadblocks ? Deliver fintech-grade experiences—without the baggage So, what’s it going to be? Keep yelling “PIVOT” at a system that won’t move—or build a banking foundation that actually fits? Let’s talk about a real solution, Agora Financial Technologies. #ModularBanking #Fintech #DigitalTransformation #CoreBanking #EmbeddedFintech #BaaS #CommunityBanks #CreditUnions #APIs #Microservices

APIs Alone Won’t Fix Legacy Core Banking—Agora’s Modular Approach Will The API landscape is always evolving, #apidays has mapped out the key players shaping the future. ?? ?? Check out the API landscape: https://lnkd.in/gjAc4qW2 Proud to see Agora Financial Technologies standing strong across critical categories driving the future of Banking as a Service (BaaS) and embedded fintech: ?? Infrastructure ?? Backend Building Tools ?? Banking/Finance/Insurance Backends ?? Payments ?? Mobile Backend as a Service But let’s be real—APIs alone aren’t enough to modernize banking. An API layer on top of a legacy core is like strapping a jet engine onto a steam locomotive. It might move a little faster, but it’s still running on outdated infrastructure. ?? Legacy cores weren’t built for scalability, multi-tenancy, or the modular needs of modern fintech. ?? APIs help connect systems, but they don’t solve the problem of outdated, rigid architectures. This is where Agora’s Modular Banking platform changes the game. Instead of patching old cores with APIs, we offer a side-core approach—a serverless, microservices-driven solution that: ? Integrates seamlessly with existing systems without the heavy lift of core replacement ? Scales on demand, ensuring fintechs and banks don’t hit bottlenecks ? Supports rapid deployment of new financial products without legacy constraints APIs are part of the solution, but they're not the foundation. The future of banking is modular, scalable, and cloud-native. Are you ready to step into the future? Let’s talk. #DigitalBanking #CoreBanking #BankingSolutions #Payments #FintechSolutions #DigitalTransformation #Fintech #BaaS #Neobanks #ChallengerBanks #EmbeddedFintech #CreditUnions #CommunityBanks #EmbeddedFinance #NicheBanking #AI #APIs #ProgrammableEconomy #ModularBanking

Banks Have Been Tied to Legacy Cores for 40+ Years—Agora’s Side Core is the Answer. For decades, banks have been locked into aging legacy core providers—slow, expensive, and resistant to change. The largest digital banks in the World faced this dilemma: Build or Buy? Nubank & Monzo built their own core from day one. Costly? Yes. But it gave them control and flexibility. Revolut & N26 started with third-party core providers. Fast to market? Sure. But eventually, they outgrew the limitations and migrated to their own proprietary cores. Why? Because owning your core means freedom from outdated constraints and the ability to innovate at your own pace. But here’s the reality: Building a core from scratch is expensive, complex, and risky. That’s why we built Agora—a Side Core solution. Agora isn’t a rip-and-replace core. It’s a modular, cloud-native side core that works alongside your existing system, giving banks, credit unions, and fintechs: ? The flexibility of a custom-built core—without the massive cost. ? The ability to launch new products quickly—without waiting years. ? A way to future-proof banking—without the risk of total migration. Instead of being stuck between a legacy provider and a multi-year, multi-million-dollar project, Agora gives you a modern, API-first, microservices-based core that evolves with your needs—without disrupting what already works. ?? Want to own your core without breaking the bank? Let’s talk. #SideCore #CoreBanking #Fintech #ModularBanking #DigitalTransformation #BankingInnovation #communitybanks #creditunions

?? Don’t Bet Your Digital Future on Luck—Win with Agora’s Side Core! ?? St. Patrick’s Day is all about good fortune, but relying on legacy core banking systems won’t lead you to a pot of gold. ?? While fintechs are launching innovations at lightning speed, many banks and credit unions are still relying on outdated tech. ???? ?? Here’s the truth: ? Legacy cores won’t magically modernize overnight. ? Slapping an API on 40-year-old tech isn’t innovation. ? Luck isn’t a strategy for digital transformation. ? Agora is the real winning ticket ???—no four-leaf clovers required. ?? How? With Agora’s Side Core, banks and credit unions can: ?? Deploy new digital products in weeks, not years ? ?? Keep deposits and revenue in their FI ?? ?? Bypass core replacement headaches ?? ?? Why Side Core? Unlike others, Agora’s Side Core Strategy allows financial institutions to launch next-gen digital banking while keeping their existing core intact. No disruptions. No limitations. Just results. This St. Patrick’s Day, don’t hope for innovation—take control of it. ?? #StPatricksDay #SideCore #DigitalBanking #BankingInnovation #CommunityBanks #CreditUnions #EmbeddedFinance #Fintech #BaaS

?? The Side Core Strategy: A Game Changer for Community Banks & Credit Unions The term "side core strategy" has sparked a lot of interest—but what does it really mean? For community banks and credit unions, digital transformation isn’t just about upgrading legacy systems—it’s about survival. Mega banks like JPMorganChase are spending $15B a year on IT, while fintechs like Chime, Square are redefining banking with seamless, digital-first experiences. So, how can local financial institutions compete? ?? A true side core strategy. Instead of forcing a digital transformation within an outdated core, banks can launch a fully digital unit alongside their existing operations. This means: ? Catering to new customer segments without disrupting existing banking services ? Rolling out cutting-edge digital experiences—sub-accounts, shared accounts, real-time transactions, split payments, and more ? Reducing costs by running a lean, digital-first operation separate from legacy inefficiencies ?? But not all side cores are created equal. A basic ledger won’t cut it—you need a modular banking platform that enables true innovation, not just a "light version" of your existing core. ?? This is where Agora comes in. Built as a challenger bank technology platform, Agora is designed to power community banks and credit unions over their legacy cores—offering a modular, scalable, and API-first banking stack that enables financial institutions to compete with fintechs and mega banks on their own terms. ?? Want to see how a true side core can transform your bank? Let’s talk. #FintechPartnership #DigitalBanking #CoreBanking #BankingSolutions #FintechSolutions #DigitalTransformation #BaaS #ChallengerBanks #EmbeddedFintech #CreditUnions #CommunityBanks #NicheBanking #FutureofBanking

?? Banks want to innovate—but legacy systems keep holding them back. Traditional core banking systems are slow, rigid, and costly, making it harder for financial institutions to compete with fintechs that are moving at lightning speed. ?? That’s why we built Agora’s Modular Banking Platform. With a next-gen side core, microservices architecture, and API-first design, banks, credit unions, and fintechs can now launch new financial products in weeks, not months. ?? Security & trust come first—our platform ensures compliance, fraud prevention, and seamless integration with existing cores. ?? Want to see how it works? Watch our latest video and discover how Agora is leveling the playing field for financial institutions. #Fintech #BankingInnovation #DigitalBanking #CoreBanking #baas #EmbeddedFinance #sidecore #nichebanking

TGIF: Thank Goodness It’s Fintech! ???? It’s Friday, and while some people are winding down, community banks and credit unions are still out here fighting fintechs for deposits. But hey, who says you have to fight? Why not partner, embed, and scale with the most advanced BaaS platform instead? With Agora, your bank doesn’t have to: ? Spend years building embedded finance from scratch ? Watch fintechs eat your lunch ? Wonder where all the deposits went Instead, you can: ? Launch digital-first banking for SMBs, gig workers & more ? Keep the deposits (Yes, yours to keep, not someone else's) ? Own the revenue & grow faster So go ahead, enjoy that Friday happy hour. Agora’s got your fintech future covered. ???? #TGIF #Fintech #EmbeddedFinance #BaaS #BankingInnovation #CommunityBanking #CreditUnions #AgoraFinancialTechnologies ??

?? SMB neobanking is on fire! Ramp just secured a $13B valuation in a deal that nearly doubles its worth. Why? Because SMBs are demanding better financial solutions—and fintechs are stepping up to deliver. Meanwhile, local banks and credit unions, the institutions that have long supported SMBs, are watching fintechs take market share. But it doesn’t have to be this way. ?? White-label fintech solutions give community banks and credit unions the power to launch modern, embedded finance products—without starting from scratch. That means: ? New revenue streams without massive development costs ? Competitive digital tools tailored for SMBs ? Stronger local business relationships SMBs want digital-first banking—who’s going to provide it? Fintechs or the trusted local institutions that know them best? ?? It’s time to get back in the game. ?? I LOVE SMB by Agora is the solution banks and credit unions need: ?? Your Brand, Your Customers – No co-branded solutions ?? You Keep the Deposits & Revenue – It’s yours to own ?? Fast-Track Deployment – Get to market quickly ?? Most advanced features, including: ?? Real-time employee & freelancer account creation ?? Instant funding & payments ?? Virtual & plastic cards ?? In-app expense management ?? Sub-accounts for budgeting & tax planning ?? Bulk payments & bill pay ?? Receipt upload & tracking ?? And much more! SMBs are looking for financial partners who understand them. Let’s make sure that’s YOU. Let’s talk #FinTech #SMBBanking #EmbeddedFinance #CommunityBanking #CreditUnions #WhiteLabelSolutions #BankingInnovation #AgoraFinancialTechnologies

Is Your Bank Ready for a Side Core Strategy? ?? The concept of Side Core Strategy is gaining momentum in banking discussions, but what does it truly mean? As digital banking becomes non-negotiable, community banks and credit unions face a complex challenge: transforming legacy systems and processes to compete in a world where mega banks like JPMorganChase invest $15B annually in tech and fintechs like Chime, Square set the bar for digital experiences. ?? The challenge? Legacy providers aren’t built for digital-first innovation. ?? The opportunity? Instead of waiting for an outdated core to catch up, banks can build digital-first business units that operate alongside their existing core—this is the Side Core Strategy in action. Why Consider a Side Core? ? Launch digital-first experiences without disrupting existing operations ? Target new customer segments or enhance existing ones ? Improve efficiency and lower operational costs ? Scale and integrate into the main bank once proven But here’s the catch: A Side Core isn’t just a “lighter” version of your existing core—it demands a modular banking platform built for the digital age. A simple ledger won’t cut it. Community Banks & Credit Unions: If you want to build a side core that truly competes, you need: ?? Sub-accounts & shared accounts ?? Real-time transactions & split payments ?? Prebuilt white-label niche solutions ?? Advanced user interfaces That’s where Agora comes in. ?? Designed as a challenger bank tech platform, Agora empowers community banks and credit unions to build digital-first banking solutions—without waiting for legacy cores to evolve. ?? Let’s chat about how Side Core Strategy can future-proof your institution. #digitalbanking #corebanking #sidecore #bankingsolutions #payments #fintechsolutions #digitaltransformation #fintech #baas #neobanks #challengerbanks #embeddedfintech #creditunions #communitybanks #embeddedfinance #nichebanking #ai