IncumbentFI (IFI) is a financial services technology company revolutionizing how community banks and credit unions connect with innovative fintech products. Our proprietary embedded software solution, the Fintech Switch, enables these institutions to unlock enhanced functionality for their existing debit cardholders—without requiring changes to core banking systems or processors.

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Developed in collaboration with Bangor Savings Bank, PayWith Worldwide, Fiserv, and Jack Henry, the Fintech Switch seamlessly integrates with leading financial platforms. Our objective is to empower community banks and credit unions nationwide to deliver modern fintech solutions to their customers.