Best Banking Tech Companies in Texas, United States
The 173 best Banking Tech companies in Texas, United States in 2026, ranked by funding and momentum. Funding, investors, founders, valuation, tech stack and live signals. Top: Alkami.
Our analysis of 50 Banking Tech companies
$7.7b in tracked funding; 98% of the stack-profiled cohort runs cloud-native; funding activity peaked in 2025.
Ranked: Best Banking Tech companies in Texas
| # | Company | Disclosed funding | Last round | Employees | Founded | Founder | Patents & IP focus | Recent signals |
|---|---|---|---|---|---|---|---|---|
| 1 | Alkami Platform offering digital banking software suite for banks and credit unions | $421M | 68 mo ago | 667 667 → 1,126 (+69%) | 2009 | Gary Nelson Founder | — | — |
| 2 | SEON Provider of fraud prevention and AML compliance solutions and related services 64Growth top 21%Tech top 22%Funding top 30%Moat top 31% All 12 signals ▾Growthtop 21% Techtop 22% Fundingtop 30% Moattop 31% AItop 35% Newstop 36% Producttop 36% Globaltop 48% Talentbottom 48% Innovationbottom 46% Fin. healthbottom 43% Marketbottom 40% Growth: Revenue +224% YoY · Fresh capital in last 24 mo Tech: 49 technologies across 6/8 capability areas · Cloud: Amazon Cloudfront, Amazon S3 rank vs industry peers · Fliar Intelligence Index 64/100 | $107M | 9 mo ago | 20 | 2017 | Bence Jendruszak Co-Founder & Chief Operating Officer | — | 1 launch |
| 3 | Episode Six Developer of cloud native card issuing and ledger infrastructure software | $85M | 37 mo ago | 150 | 2015 | Futeh Kao Co-Founder & CTO | 14 patents Digital transaction processing: value conversion, customizable financial products, and multi-level container sequencing. | 1 partnership · 1 expansion |
| 4 | FundsXpress Financial Network Banking products company | $85M | 284 mo ago | — | 1996 | John Burns Founder & CEO | — | — |
| 5 | Think Finance Analytics and technology services for lenders | $60M | 161 mo ago | 91 | 2001 | — | — | — |
| 6 | defi SOLUTIONS Provider of cloud-based loan life cycle management solutions | $56M | 101 mo ago | 67 | 2012 | — | 4 patents Electronic vaping devices and multi-reservoir cartridge technology | 1 job opening |
| 7 | Open Lending Provider of an automated lending platform for financial institutions and retailers | $50M | 122 mo ago | 180 | 2000 | John Flynn President / Ceo | — | 1 award |
| 8 | Buzz Points Platform offering customer loyalty program | $46M | 67 mo ago | 13 | 2009 | — | — | — |
| 9 | FirstClose Mortgage settlement solutions provider 69News top 23%Growth top 24%Tech top 27%Talent top 32% All 11 signals ▾Newstop 23% Growthtop 24% Techtop 27% Talenttop 32% Fundingtop 33% Innovationtop 39% Producttop 39% Moattop 39% Marketbottom 42% Partnersbottom 35% Globalbottom 32% News: 8 BI events in 12 mo (of 15 tracked, 4 types) · 3 high-value events (IPO/M&A/funding/contracts) in 12 mo Growth: Headcount 34 → 47 (+38%) across vintages · Web rank 10,000,000 → 5,000,000 YoY rank vs industry peers · Fliar Intelligence Index 69/100 | $35M | 8 mo ago | 47 47 → 68 (+45%) | 2000 | Tedd Smith Co-Founder & CEO | — | 2 awards |
| 10 | UPTIQ Provider of no-code AI agent solutions for financial services 69AI top 20%Funding top 24%News top 25%Growth top 29% All 12 signals ▾AItop 20% Fundingtop 24% Newstop 25% Growthtop 29% Producttop 33% Innovationtop 36% Techtop 42% Partnerstop 45% Talentbottom 49% Moatbottom 38% Marketbottom 37% Globalbottom 32% AI: Classified as an AI company Funding: Raised $32.5M across 4 rounds · 4 rounds over 4 yrs (1.0/yr) rank vs industry peers · Fliar Intelligence Index 69/100 | $32M | 4 mo ago | 32 | 2022 | Snehal Fulzele Founder & CEO | — | — |
| 11 | Fair Fintech Digital bank for individuals | $32M | 64 mo ago | 30 | 2020 | — | — | — |
| 12 | Optimal Blue Product pricing and secondary marketing automation platform. | $28M | 27 mo ago | 2 | 2002 | — | — | 1 launch · 1 award |
| 13 | Malauzai Global provider of financial software, empowering innovation in the financial sector | $26M | 131 mo ago | 80 | 2009 | — | — | 2 partnerships |
| 14 | StellarFi Online platform offering credit repair solutions for consumers by reporting bill payments 42Tech top 30%Funding top 34%Growth top 45%Global bottom 36% All 5 signals ▾Techtop 30% Fundingtop 34% Growthtop 45% Globalbottom 36% Marketbottom 32% Tech: 43 technologies across 6/8 capability areas · Cloud: Amazon Cloudfront, Amazon S3 Funding: Raised $25.7M across 3 rounds · 3 rounds over 4 yrs (0.8/yr) rank vs industry peers · Fliar Intelligence Index 42/100 | $26M | 22 mo ago | 47 | 2021 | — | — | — |
| 15 | Oyster Internet first business bank | $23M | 69 mo ago | 103 | 2010 | Gabriel Leon Co-Founder & COO | 5 patents Enterprise workflow automation and global HR management software platforms | — |
| 16 | FloatMe Online platform for cash advance loans | $20M | 52 mo ago | 39 39 → 43 (+10%) | 2018 | Caleb Scott Co-Founder | — | 1 job opening |
| 17 | Creative Juice Digital bank for creators | $20M | 54 mo ago | 29 | 2020 | Saul Cooperstein Co-Founder | — | — |
| 18 | Q2 Software Provider of digital banking and lending solutions for financial institutions | $20M | 67 mo ago | 965 | 2005 | — | 56 patents Patents concentrated in computing, sensing & instrumentation | — |
| 19 | Q2 Software Digital banking solutions provider for banks and credit unions | $20M | 66 mo ago | 2,249 | 2004 | Renee Johnson Co-Founder | 56 patents AI-powered recommendation, computer‑vision security, and automated data/process management platforms | — |
| 20 | Method Provider of connectivity solutions for consumer credit and liability accounts 60AI top 15%Patents top 31%Funding top 34%Growth top 35% All 10 signals ▾AItop 15% Patentstop 31% Fundingtop 34% Growthtop 35% Innovationtop 36% Talenttop 38% Moattop 39% Techbottom 49% Globalbottom 36% Marketbottom 28% AI: Holds AI/ML patents (G06N-family CPC) Patents: 12 patents matched (strict assignee match) · 12 filings since 2022 vs 0 in 2017-21 rank vs industry peers · Fliar Intelligence Index 60/100 | $18M | 16 mo ago | 23 | 2019 | Marco Carmen Co-Founder & CTO | 12 patents Intraoperative ultrasound imaging and navigation for minimally invasive surgical guidance | — |
| 21 | Turnkey Lender AI-driven loan origination and management software for banks and non-bank lenders 55Moat top 39%Funding top 41%Tech top 42%Growth top 45% All 10 signals ▾Moattop 39% Fundingtop 41% Techtop 42% Growthtop 45% AItop 45% Talentbottom 49% Marketbottom 47% Productbottom 45% Globalbottom 39% Newsbottom 32% Moat: Editorial + unicorn rating 7/10 · 9 curated direct competitors tracked Funding: Raised $18.1M across 3 rounds · 3 rounds over 10 yrs (0.3/yr) rank vs industry peers · Fliar Intelligence Index 55/100 | $18M | 9 mo ago | 144 | 2014 | Elena Ionenko Co-Founder | — | 1 job opening |
| 22 | Iownit Blockchain-based deal discovery platform | $16M | 23 mo ago | 33 | 2017 | Hamid Gayibov Co-Founder | — | 2 partnerships |
| 23 | Rome Corporation SaaS-based enterprise credit risk management solution | $14M | 242 mo ago | 48 | 2001 | — | — | — |
| 24 | Unwired Mobile banking for community financial institutions | $12M | 125 mo ago | 15 | 2006 | Stacey Zuniga Co-Founder | 37 patents Infrastructure anchoring hardware and automotive mobile-device USB connectivity solutions. | — |
| 25 | Illuma Developer of AI-enabled voice authentication and fraud prevention solutions | $12M | 21 mo ago | 16 16 → 31 (+94%) | 2016 | Milind Borkar Co-Founder & CEO | 12 patents Voice biometrics: speaker verification and efficient model training (UBM/T‑matrix). | — |
| 26 | Revio AI-based platform driving revenue growth at community banks | $10M | 33 mo ago | 11 | 2020 | Brian Bauer CEO | — | — |
| 27 | EPIC Provider of solutions streamlining loan payoff to title release processes 32Patents top 36%Talent top 38%Innovation top 43%Funding top 50% All 7 signals ▾Patentstop 36% Talenttop 38% Innovationtop 43% Fundingtop 50% Globalbottom 42% Techbottom 39% Marketbottom 31% Patents: 41 patents matched (strict assignee match) · 5 filings since 2022 vs 10 in 2017-21 Talent: 2 named leaders on record · 2 C-suite/founder profiles curated rank vs industry peers · Fliar Intelligence Index 32/100 | $10M | 7 mo ago | — | 2016 | Mike Mclaren Co-Founder & CTO | 41 patents Roadway marking application monitoring, thickness control, and tape‑based paint systems | 1 launch · 1 partnership |
| 28 | Syncfy Developer of aggregation APIs for open banking applications | $10M | 42 mo ago | 33 | 2016 | — | — | 1 launch |
| 29 | Top Image Systems Process automation solutions | $9M | 114 mo ago | 185 | 1991 | Brendan Reidy CEO | — | — |
| 30 | StratiFi Option-based risk management platform for advisors | $8M | 77 mo ago | 3 | 2015 | Ralph Drybrough Co-Founder + Strategic Advisor | — | 1 launch · 1 award |
| 31 | Mesa Online platform offering mortgage loan management 24Funding top 36%Talent top 38%Product bottom 48%Tech bottom 45% All 8 signals ▾Fundingtop 36% Talenttop 38% Productbottom 48% Techbottom 45% Moatbottom 45% Marketbottom 36% Globalbottom 29% Customersbottom 5% Funding: Raised $7.2M across 3 rounds · 3 rounds over 2 yrs (1.5/yr) Talent: 2 named leaders on record · 2 C-suite/founder profiles curated rank vs industry peers · Fliar Intelligence Index 24/100 | $7M | 10 mo ago | — | 2023 | Peyton Hayslette Co-Founder & CTO | — | — |
| 32 | BankLabs BankLabs: Reimagining banking products with innovative digital and mobile solutions | $5M | 16 mo ago | 27 | 2010 | Matt Johnner President | Co-founder | Director | — | — |
| 33 | Deposits Provider of embedded banking infrastructure and payment solutions | $5M | 45 mo ago | 15 | 2021 | Joseph Akintolayo Chief Executive Officer | — | — |
| 34 | Deposits Banking and CRM management platform for financial institutions | $5M | 45 mo ago | — | 1996 | — | — | — |
| 35 | Infoglide Provider of platform delivering applied intelligence and customer lifecycle management | $4M | 284 mo ago | 15 | 1996 | Michael Shultz ex-CEO | 11 patents Fraud detection via similarity search and hierarchical‑relational database conversion. | — |
| 36 | Quiltt Wealth data aggregation platform | $4M | 47 mo ago | 10 | 2017 | Mark Bechhofer Cofounder and COO | — | — |
| 37 | Sync1 Systems Cloud-based loan origination platform empowering effortless lending and digital experiences | $4M | 114 mo ago | 24 24 → 40 (+67%) | 2016 | — | — | — |
| 38 | CollateralEdge Loan origination software for lenders | $4M | 29 mo ago | 9 | 2020 | Sean Heaney Co-Founder | — | — |
| 39 | Trice Payment processing solution for businesses | $3M | 29 mo ago | — | 2022 | Doug Yeager Co-Founder & CEO | — | — |
| 40 | Janusea Provider of API-based banking solutions for banks and credit unions | $2M | 42 mo ago | — | 2022 | Terry Mcmullen COO & CoFounder | — | — |
| 41 | ARC Systems Automated underwriting software solutions provider | $2M | 327 mo ago | — | 1984 | Ed Jones CEO | — | — |
| 42 | Freede Debt resolution & compliance management solutions for financial institutions | $2M | 64 mo ago | — | 2018 | Bruce Cummings CEO | — | — |
| 43 | TradeHarbor Voice signature based identity protection service | $1M | 199 mo ago | 6 | 1999 | Paul Heirendt Co-Founder | — | — |
| 44 | FINKUBE AI-based loan origination software | $500K | 110 mo ago | 2 | 2017 | Jorge Sauri Founder & CEO | — | — |
| 45 | SK Global Software Banking & treasury automation software for banks & financial institutions | $458K | 73 mo ago | 38 38 → 54 (+42%) | 1995 | Rick Sandler Co-founder | 56 patents Patents concentrated in computing, sensing & instrumentation | — |
| 46 | BuzzBanking Provider of a banking platform for community banking and credit unions | $450K | 192 mo ago | — | 2010 | Jay Valanju Founder & CEO | — | — |
| 47 | ValuTrac Software Provider of SaaS-based software solutions for financial management | $231K | 74 mo ago | 8 | 2009 | — | — | — |
| 48 | AGORA Data P2P exchange marketplace for automotive financing 40Talent top 38%Innovation top 39%Tech top 39%Product top 48% All 9 signals ▾Talenttop 38% Innovationtop 39% Techtop 39% Producttop 48% Fundingbottom 42% Growthbottom 42% Marketbottom 37% Globalbottom 32% Newsbottom 29% Talent: 2 named leaders on record · 2 C-suite/founder profiles curated Innovation: 8 product lines rank vs industry peers · Fliar Intelligence Index 40/100 | $191K | 3 mo ago | 80 | 2017 | Christopher Hawke Co-Founder & CLO | — | 1 job opening · 1 partnership |
| 49 | UPay Technology Fintech solutions provider specializing in credit management and compliance across emerging markets | $149K | 74 mo ago | 16 | 2015 | — | — | — |
| 50 | Orca Internet first bank | $125K | 51 mo ago | 4 | 2021 | DY Co-Founder & CEO | 5 patents MIP-based biosensor coatings and medical/vision interface technologies for diagnostics | — |
Top 12 Banking Tech companies in Texas
#1
Series B · Dallas, Texas · founded 2022 · 32 employees$32.5Mraised▾
Provider of no-code AI agent solutions for financial services. This company develops and offers an AI platform enabling the creation and deployment of AI agents for various financial sectors, including wealth management, banking, and fintech. The platform provides pre-built agents for common financial tasks and allows developers to build custom agents using powerful APIs. It caters to both developers seeking to build custom solutions and organizations looking to automate workflows without extensive coding. The platform integrates with existing financial systems and offers debugging tools for enhanced control.
- Feb 2026Series B$25M
- Oct 2025Series A$12M
- Oct 2024Series A$21M
- Jan 2022Seed$12M
#2
Series C · Austin, Texas · founded 2017 · 20 employees$106.6Mraised▾
Provider of fraud prevention and AML compliance solutions and related services. They offer digital footprint analysis, device intelligence, and AI-driven machine learning to detect and prevent fraudulent activities. The company provides customer screening, payment screening, transaction monitoring, and case management tools. It supports industries including financial services, fintech, payments, and retail. The company also offers managed risk services, integration guides, and API documentation.
- Sep 2025Series C$80M
- Apr 2022Series B$94M
- Mar 2021Series A$12M
- Feb 2018Seed$624K
#3
Series B · Austin, Texas · founded 2000 · 47 employees$35Mraised▾
Mortgage settlement solutions provider. The company offers EquityIQ which is a home equity lead generation tool and application management system that can be integrated with loan origination software. Offers FirstClose which is a property and borrower data intelligence and settlement solution. Provides a home equity and refi tool that offers features such as loan application, credit score, valuation, title, tax, flood, loan closing & recording and loan servicing.
- Sep 2025Series B$4.7M
- May 2022Series B$35M
- Nov 2019Conventional Debt—
- Sep 2018Series A—
#4
Series A · Austin, Texas · founded 2014 · 144 employees$18.1Mraised▾
Turnkey Lender offers AI-driven loan origination and management software for banks and non-bank lenders. It features cloud-based lending software with credit application processing and loan management for banks, financial institutions, and online lending businesses. It provides solutions such as customer onboarding, loan origination, fraud prevention, loan servicing, risk management, and debt collection. It uses AI for alternative scoring in order to calculate portfolio credit quality and risk of the lending operation.
- Aug 2025Series A—
- Jul 2022Conventional Debt—
- Jun 2022Series A$10M
- Apr 2021Series A$6.1M
#5
Series A · Dallas, Texas · founded 2016$10Mraised▾
Provider of solutions streamlining loan payoff to title release processes. The company delivers comprehensive loan account details and simplifies lien releases. It improves title turns, expedites title release, and offers features like consumer payments and dynamic reporting. The business supports every step of the lien and title release process.
- Oct 2025Series A$10M
#6
Series A · Austin, Texas · founded 2023$7.2Mraised▾
Online platform offering mortgage loan management. It offers a membership platform that enables users to access various financial products and services related to homes. It also offers solutions for mortgage originations, mortgage payments, warranty, insurance, and more.
- Aug 2025Series A$24M
- Aug 2025Conventional Debt—
- Sep 2024Venture Debt$2M
- Jun 2024Seed$7.2M
#7
Series B · Austin, Texas · founded 2019 · 23 employees$18.5Mraised▾
Provider of connectivity solutions for consumer credit and liability accounts. The company enables end-to-end lending experiences, real-time account data intelligence, and one-click checkout. It offers connectivity to financial accounts with embedded payments. The company provides access to up-to-date information with connections across liability accounts. It facilitates payments to financial institutions and billers.
- Jan 2025Series B$41.5M
- Jan 2023Series A$16M
- Feb 2022Seed$2.5M
#8
Series A · Austin, Texas · founded 2021 · 47 employees$25.7Mraised▾
Online platform offering credit repair solutions for consumers by reporting bill payments. It allows users to link their bank account which enables the platform to fetch data regarding their bill and rent payments. It also allows it to report the same to the credit bureaus and helps in building the credit score of an individual.
- Aug 2024Series A$3.5M
- Mar 2023Series A$15M
- Mar 2022Seed$7.2M
#9
Seed · Arlington, Texas · founded 2017 · 80 employees$191.2Kraised▾
AGORA Data is an online peer-to-peer exchange marketplace for automotive loans/financing. It provides data-based financial insights to users by accumulating & structuring the aggregated data from buyers, sellers, and 3rd party systems across the stages of a loan cycle. It matches sellers with buyers based on the analytical insights and a bidding engine to facilitate the transaction. AGORA Data advances the trading/exchange of auto loans and auto retail installment contracts consisting of prime, near-prime, subprime, and BHPH.
- Feb 2026Seed—
- Apr 2020Conventional Debt$191.2K
#10
Series A · Dallas, Texas · founded 2010 · 27 employees$5Mraised▾
BankLabs: Reimagining banking products with innovative digital and mobile solutions. They offer cloud-based software solutions designed to enhance in-market relationship banking for community-oriented financial institutions. Their products generate new fee income, attract deposits, and create loan volume. Participate is a single platform to manage loan participations, digitizing documents and automating workflows. OREO is a mobile, cloud-based platform managing the complete lifecycle of properties. Construct increases draw interest income and mitigates risk in construction lending with automated workflows and detailed reporting. +Pay integrates with Construct to automate payment streams between builders and subcontractors. They provide state-of-the-art technology, mobile-first approaches, and aim to help banks differentiate from their competition. They offer demos and free trials of their products.
- Feb 2025Series A$5M
- Jun 2021Seed—
#11
Series B · Houston, Texas · founded 2017 · 33 employees$16Mraised▾
iownit provides blockchain-based deal discovery platform for private market investors. It enables users to review investment opportunities and select investment based on interest & risk. It offers multiple opportunities including equity, debt & funds. Also offers identity verification, portfolio management, and performance tracking solutions for investors, entrepreneurs & intermediaries.
- Jul 2024Series B$11.5M
- Jun 2019Series A$4.5M
#12
Series A · Plano, Texas · founded 2016 · 16 employees$11.5Mraised▾
Developer of AI-enabled voice authentication and fraud prevention solutions. It offers voice authentication, IVR caller authentication, and fraud prevention solutions for bank or credit union contact centres. Its features include speech analytics, voice recognition, and risk analytics. It uses AI and cloud technologies.
- Sep 2024Series A$9M
- Aug 2022Seed—
- Jun 2022Seed—
- Jun 2021Seed$2.5M
Funding & investor landscape
Notable founders
Market landscape — 10 sub-themes by coverage
Share of Banking Tech coverage by sub-theme.
Regulatory-risk over time rising
Funding & growth over time
funding rising · growth rising
What Texas researches in fintech
UT Dallas and Texas A&M dominate Texas fintech research, focusing heavily on crowdfunding and regulatory concerns across 19 papers, with a contested tone reflecting 12 concern-coded studies.
- The University of Texas at Dallas5
- Texas A&M University3
- Texas A&M University School of Law3
- The University of Texas at San Antonio2
- The University of Texas at Austin2
Common questions
Riya reads income statements for fun. She covers the real money in a sector — revenue, growth, who actually earns — and never met a vague claim she didn't want a number for.