Array, an embeddable fintech platform offering a suite of financial empowerment tools, has partnered with Narmi, a digital banking solutions provider, to integrate Narmi FinHealth within the Narmi Digital Banking platform. The collaboration gives financial institutions an easy way to deliver essential tools that help users monitor their credit, protect their identities, and manage their financial data directly within their trusted banking experience.

Narmi and Array represent a new wave of technology providers reshaping the financial services landscape. With a modern API architecture, flexible integrations, and a shared focus on financial empowerment, the companies are building digital infrastructure designed to help community banks and credit unions thrive in a competitive market. For smaller institutions, which generally lack the in-house development budgets of the largest national banks, partnerships of this kind have become a common way to add consumer-facing features quickly rather than building them from scratch, as embedded finance — third-party financial capabilities delivered through API integrations — has matured into an established segment of the banking technology market.

"At Narmi, we're proactively building the innovative tools and infrastructure needed to provide our customers the best possible experience," said Nikhil Lakhanpal, Co-Founder of Narmi. "Array shares that same forward-thinking mindset. Together, we're giving consumers a platform that goes beyond facilitating easier transactions. We're truly improving financial well-being."

Narmi enables its financial institution clients to quickly deploy consumer-facing empowerment tools that drive engagement and loyalty. By partnering with Array to offer Narmi FinHealth, Narmi clients can deploy a range of free and premium embeddable tools, including:

• Credit Monitoring – Access to credit scores and reports.
• Privacy Management – Tools to safeguard personal data online.
• Subscription Management – A single dashboard to track, manage, and cancel recurring payments.
• BuildCredit Rent – Reporting on-time rent payments to credit bureaus to help users establish and build credit history.
• Identity Protection – Alerts for potential breaches and suspicious activity.
• Student Loan Aid – A tool that helps borrowers optimize federal student loan repayment.
• Debt Navigator – Personalized guidance to help users manage and pay down debt.
• My Home Value – Home value and equity insights to help users make informed financial decisions.
• My Money Plan – A personalized financial planning solution that helps users set and achieve financial goals.

The breadth of the toolset reflects consumer demand patterns that have driven similar offerings across the industry: subscription management addresses the growth of recurring-payment services in everyday spending, while rent-reporting products have emerged as a way for consumers with thin credit files to build credit history using payments that traditional credit reports have historically not counted.

"Narmi's digital banking platform is built for flexibility, speed, and user empowerment," said Martin Toha, CEO and Founder of Array. "This partnership highlights how quickly and easily financial institutions can embed essential capabilities that build consumer confidence by offering more value and separating them from their competition."

By embedding Narmi FinHealth, Narmi continues to expand its ecosystem of digital capabilities that help financial institutions deliver differentiated value, deepen customer relationships, and strengthen long-term loyalty. For banks and credit unions weighing the partnership, the practical questions will be adoption rates among their account holders and how the free and premium tool tiers perform as engagement and retention drivers.