Kinective, the company delivering intelligent banking to more than 4,300 banks and credit unions, today launched Cortive, its AI-native intelligent banking platform, and unveiled three new Agentic Banking Solutions—Deposit Growth and Retention, Lending Excellence, and Cash Optimization.

Cortive brings Kinective’s capabilities in branch automation, document workflow, cash management, fraud detection, digital connectivity and data intelligence together through a shared platform experience. Built upon Cortive, the Agentic Banking Solutions connect historically disparate institutional data and banking workflows to help teams identify what needs attention, understand why it matters and take informed action.

“We brought together 10 companies, each with deep expertise in a specific area of banking technology,” said Stephen Baker, CEO of Kinective. “Cortive connects that work through a shared platform, giving community banks and credit unions a comprehensive view of their Kinective products and third-party fintech integrations, and a stronger foundation for putting data and AI to work across the institution.”

Available at no additional cost for Kinective clients, Cortive delivers a new single login and navigation experience across Kinective systems. It also features the new Kinective Matrix, an integrated map of your Kinective products and system integrations. Clients can also access a new unified Resource Center, powered by Cortive Assistant, helping them find trusted answers and service status using natural language queries.

The three new Agentic Banking Solutions, built upon the Cortive platform and available as separate add-on solutions, address high-value business needs across community banks and credit unions:

  • Deposit Growth and Retention strengthens primary relationships. It tracks new-account activation, flags early signs of deposit drift and prioritizes household opportunities by value.

  • Lending Excellence helps institutions see each borrower as a whole relationship, bringing loan, deposit, payment and household signals into one connected view. It flags borrower risk and opportunity, routes items to the right staff and recommends policy-aligned next steps.

  • Cash Optimization gives operators a view of cash across teller cash recycler and ATM fleets and highlights idle cash and its associated costs.

Across the solutions, AI helps teams identify signals, prioritize follow-up and recommend next steps. Institution staff retain control of decisions and approve customer-facing offers, loan modifications and cash orders.

“Banking teams need context around a signal and a clear next step,” said Dan Snyder, executive vice president of product at Kinective. “Our new Agentic Banking Solutions connect data and workflows so teams can see what deserves attention, why it matters and who should act. AI can help surface and organize that work, while institution staff remain responsible for every decision.”

Cortive is currently rolling out to Kinective clients while the new Agentic Banking Solutions will be available Q1 2027. Kinective will demonstrate Cortive and the Agentic Banking Solutions at Kinections26, Nov. 15-17 at The Omni Nashville. For more information, visit kinective.io.

About Kinective

Kinective is leading the way to intelligent banking. The company brings modernized operations, enterprise connectivity and data intelligence together to help financial institutions make smarter business decisions, improve operational efficiency and deliver more relevant consumer experiences. More than 4,300 financial institutions nationwide—nearly one in every two—trust Kinective, which has a 98% client retention rate. Learn more at kinective.io.

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