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Fathom2026-08-25T17:49:15-07:00

Dive below the data surface with AI-first banking intelligence.

Fathom combines account holder data, institutional knowledge, and native digital banking to deliver hyper-personalized insights, seamless navigation, and tailored services.

The institution that owns the conversation owns the relationship.

AI is quickly becoming the front door to financial decisions. If those conversations happen through generic AI connected to financial aggregators, your institution risks becoming just another product recommendation instead of the trusted financial partner.

Fathom keeps those conversations where they belong, inside your digital banking experience. Every answer reflects your products, your policies, your brand, and your consumer relationships.

Not just a Chatbot.
A native intelligence layer that knows your institution.

Legacy chatbots were built to handle FAQs. Fathom is built to understand your account holders, their accounts, their spending, their goals, and help them act on it inside an experience you control.

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Understanding

Time to live

Knowledge

Account access

FI control

Actions

Legacy Chatbots

Keyword matching.

6–18 months to build.

Static FAQ trees.

No financial data.

Black box.

Can't transact.

True intent, natural language.

Live on day one.

Grounded in your content.

Full transaction intelligence.

You own the content & Q&As.

Member-consented transactions.

One AI engine.
Three ways it works for you.

Knowledge base, FAQ & deep linking.

Your AI-powered knowledge layer. Account holders ask questions in plain language and get precise answers grounded entirely in your institution’s own content, then deep-linked straight to the right action.

ChatGPT-style data interaction.

Account holders interrogate their accounts, visualize spending, and build reports, then act on what they find. They can move money, stop a check, pause a card, and more, all inside the conversation with Fathom. Fingoal PFM integration adds deeper spend analysis and personalized financial insights, grounded in real transaction data.

Train, monitor & govern.

Your institution’s command center for AI. Upload content, monitor queries in real time, and turn every unanswered question into your next content push. Fathom scores each document for relevance and answer coverage before it goes live, so you know your content will actually resolve what consumers are asking.

Experience AI built for community banking.

Why institutions choose Fathom.

While innovation is a key focus at Tyfone, our nFinia solution ensures your institution and account holders get all the essential features of a modern digital banking platform such as a seamless user experience, powerful integrations, smooth transactions, and easy account management.

Get a glimpse of our platform’s look and feel.

Own the relationship.

Keep AI conversations inside your digital banking experience.

Increase digital engagement.

Guide account holders to products, services, and financial insights they’ll actually use.

Reduce operational costs.

Resolve questions before they become support calls.

Launch AI responsibly.

Govern every response with institutional controls and compliance oversight.

Built on the compliance posture our customers already trust.

“Every action stays in the account holder’s hands. When someone says “send $100 to John”, Fathom pulls up the money movement feature, pre-loaded, and waits for the account holder to review, click acknowledge and submit. Nothing moves without explicit consent.”

Fathom runs on Tyfone’s existing security and compliance infrastructure, the same annually audited environment community financial institutions already trust. No new compliance frameworks. No added regulatory complexity.

NIST AI RMF aligned.

Maps to NIST AI RMF 1.0,  the emerging baseline for responsible AI deployment across FIs.

SOC 2 Type 2 · PCI DSS · NIST 1.1.

Independently audited annually. Same control environment community FIs trust.

Per-FI data isolation.

Your account holder data never trains another FI’s model and never leaves your configured policies.

Comprehensive audit logs.

Every prompt, answer, and thumbs up/down logged, searchable, and exportable.

Cost & abuse controls.

Daily query caps, FI-wide token budgets, and rate limits. Costs are predictable; abuse is bounded.

Human oversight.

MFA, fraud detection, and approval workflows remain entirely under your control.

Customer Testimonials

Credit Unions and Banks nationwide partner with Tyfone to achieve strategic objectives, retain account holders, acquire new business, and turn their vision into reality.

Check out the videos below – their stories speak volumes about us!

Ready To Experience The Future Of Digital Banking?

Get a personalized demo of nFinia and discover how it can transform your banking experience. Fill out the form below, and one of our experts will guide you through our platform’s powerful features.

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