budd3005

There are a healthy assortment of fintech offerings for banking clustered in Austin and on the West Coast, maybe more.

Check out Q2 and Malauzai in Austin (there are are several, these are just the two I have evaluated) for a stack that is agnostic of the core system and provides almost all banking functions across channels.

This kind of thing isn't cheap though, and bank boards are notoriously conservative when it comes to innovation, especially for small banks.