Insights

Community Banking & Investment Infrastructure

Perspectives from the Eko team on investment products, compliance, and the future of community banking.

Abstract concept of community banking and investment gap with financial data visualization
Industry Analysis The $400 Billion Investment Gap Facing Community Banks

Community banks hold 15% of US banking assets but capture less than 3% of retail investment accounts. Here's why the gap exists — and what infrastructure can close it.

By Mart Vos  · 

API integration concept with code blocks and infrastructure diagram elements
Product Why API-First Investment Infrastructure Changes the Math for Community Institutions

Building brokerage capabilities from scratch costs $2M+ and 18 months. API-first infrastructure cuts both by 80%.

Mart Vos  · 

Compliance and regulatory framework concept for community banking
Compliance A Practical Compliance Framework for Community Bank Investment Programs

FINRA Rule 4511, BSA-AML, KYC/CIP, CRA investment credit — what every community bank compliance officer needs to know.

Mart Vos  · 

Credit union member relationship and portfolio concept illustration
Use Cases How Credit Unions Can Use Investment Products to Deepen Member Relationships

Members who invest with their credit union stay longer and hold higher deposit balances. The data on member retention.

Mart Vos  · 

Open banking and data exchange concept for community financial institutions
Industry Analysis Open Banking and the Community Institution: What the FDX Standard Means for Your IT Roadmap

As the Financial Data Exchange standard matures, community banks face a compliance and opportunity window.

Mart Vos  · 

Technical integration guide concept showing core banking and investment platform connection
Technical Integrating an Investment Platform with Your Core Banking System: A Step-by-Step Guide

FiServ, Jack Henry, Temenos — how Eko's middleware layer handles the translation between your core system and a modern investment API.

Mart Vos  ·