Array and DCI Partner to Bring Credit Tools to Community Banks

On September 18, 2023, Array and Data Center Inc. (DCI) announced a partnership to deliver embedded financial tools to community banks. Array provides a suite of consumer-facing products including credit score monitoring, credit management tools, identity protection, and personalized financial offers. DCI, a core processing and digital banking solutions provider serving community banks, will integrate Array's tools into its platform.

The partnership enables community banks to offer their customers enhanced digital experiences that were previously available mainly through larger banks or standalone fintech apps. By embedding Array's capabilities directly into DCI's digital banking interface, community banks can improve customer engagement and retention without significant in-house development. The collaboration addresses a growing gap as community banks seek to compete with larger institutions and neobanks on digital features.

No financial terms of the partnership were disclosed. The deal reflects the broader trend of fintech-community bank partnerships powered by embedded finance integrations.