Atlantic Federal Credit Union Launches Consumer Lending on MANTL Platform, Enhancing Loan Growth
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 22 2026
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Source: Newsfilter
- Consumer Loan Launch: The Atlantic Federal Credit Union in New Jersey becomes the first credit union to go live with consumer loans on the MANTL Loan Origination Platform, marking a significant advancement in digital lending transformation that is expected to enhance customer experience and loan growth.
- Automated Process Optimization: By leveraging the MANTL platform, the Atlantic FCU automates eligibility verification and membership enrollment in real time, streamlining the application-to-funding process and dramatically improving operational efficiency, which is anticipated to drive overall business growth.
- Product Diversification: The credit union has launched a comprehensive suite of consumer loan products, including auto loans, personal loans, and credit cards, with plans to expand into real estate lending, thereby enhancing its market competitiveness and customer service capabilities.
- Collaborative Innovation Development: MANTL collaborated with over 10 forward-thinking financial institutions to develop a modern consumer lending solution, ensuring that product design and functionality meet market needs, which enhances the borrowing experience for customers and drives technological advancement in the industry.
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Analyst Views on ALKT
Wall Street analysts forecast ALKT stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for ALKT is 32.50 USD with a low forecast of 25.00 USD and a high forecast of 40.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
8 Analyst Rating
6 Buy
2 Hold
0 Sell
Strong Buy
Current: 21.190
Low
25.00
Averages
32.50
High
40.00
Current: 21.190
Low
25.00
Averages
32.50
High
40.00
About ALKT
Alkami Technology, Inc. is a cloud-based digital banking solutions provider. The Company's solution, the Alkami Digital Banking Platform, allows financial institutions (FIs) to onboard and engage new users, accelerate revenues and improve operational efficiency. The Alkami Digital Banking Platform offers an end-to-end set of digital banking software products. Its platform integrates with core system providers and other third-party fintech providers, and acts as the primary interaction point among consumers, businesses, and FIs. It offers FI with a set of core functional components, which includes a rounded suite of products across account opening, marketing, data insights, card experience, money movement, customer service, business banking, financial wellness, security and fraud protection and extensibility. The Company's clients include community, regional and super-regional credit unions and banks across both retail and business banking.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
2026 Trends in Business Banking Research
- Digital Transformation Opportunity: Alkami's research indicates that digital capabilities will be crucial for banks and credit unions to enhance customer relationships in 2026, particularly in real-time payments and digital onboarding, which are expected to significantly boost customer satisfaction and operational efficiency.
- Changing Customer Expectations: As business clients increasingly demand seamless integration and embedded fraud protection, financial institutions must assess whether their platforms and processes can keep pace with these changes to remain competitive and meet client needs.
- Investment Focus: The survey results show that financial institutions are prioritizing investments in digital sales and service platforms to exceed expectations in customer experience, thereby positioning themselves favorably for future market growth.
- Industry Webinar: Alkami will co-host a webinar with American Bank on February 11, 2026, to discuss trends and strategies in commercial banking, helping financial institutions maintain a competitive edge and enhance their market impact.
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2026 Trends in Business Banking Highlighted by Alkami Research
- Digital Transformation Trends: Alkami's market research indicates that the demand for digital onboarding and self-service account management will continue to grow in 2026, suggesting that financial institutions must increase investments to meet customer expectations for digital services, thereby enhancing customer satisfaction and market competitiveness.
- Evolving Fraud Protection: The study reveals that fraud protection is shifting from a cost center to a competitive advantage, as financial institutions enhance security to attract clients, thereby improving their market position in commercial banking.
- Real-Time Payment Capabilities: Real-time treasury and payment capabilities are becoming critical demands in commercial banking, necessitating financial institutions to provide instant visibility into finances to meet clients' expectations for rapid transactions, thus strengthening customer trust and loyalty.
- AI Applications: AI-powered relationship management is emerging as a key differentiator in commercial banking, with financial institutions leveraging data-driven insights to optimize customer experiences, improve operational efficiency, and accelerate time-to-value.
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