Full-Time
Posted on 7/25/2025
APIs, SDKs enabling payroll connectivity
No salary listed
New York, NY, USA
In Person
Atomic Financial provides developer tools for payroll connectivity and direct deposit, including APIs, SDKs, and pre-built UIs, to help financial institutions and payroll providers quickly add financial services to their platforms. Its products work by offering an API-driven toolkit and a sandbox where clients can build, test, and deploy payroll and direct deposit features, along with authentication solutions (SmartAuth and TrueAuth) powered by AI/ML to simplify and secure user verification. The company sets itself apart through a strong focus on customer success and social impact, combining practical developer tools with an emphasis on understanding clients and learning from their experiences, as well as offering AI-powered authentication to improve scalability. Its goal is to make financial services more accessible to millions of consumers by enabling businesses to provide seamless, secure payroll and direct deposit capabilities.
Company Size
51-200
Company Stage
Late Stage VC
Total Funding
$78.6M
Headquarters
Salt Lake City, Utah
Founded
2019
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Personetics and Atomic partner to deliver contextual and Measurable Deposit Growth. * 6 hours ago New partnership enables banks to design, trigger, execute, and measure direct deposit and bill switching within a single embedded experience NEW YORK, NY, March 31, 2026: Personetics, the Cognitive Banking Platform, and Atomic, a leader in embedded financial connectivity, today announced their partnership to deliver a native, end-to-end solution for contextual direct deposit and bill payment switching within digital banking experiences. With this new capability, banks can identify the right customers and financial moments using transaction intelligence, and seamlessly design, trigger, execute, and measure switching journeys within a single platform - closing the loop from intelligence, to action, to measurable outcomes. By integrating Atomic, Personetics advances its open and extensible Cognitive Banking Platform, expanding its ecosystem of capabilities to include embedded, context-driven switching journeys that accelerate deposit growth and share of wallet. While many banks have invested in deposit switching, existing solutions often rely on generic, fragmented campaigns that lack the context needed to engage customers at the right financial moment. At the same time, disconnected tools increase friction and limit conversion, making it difficult to link switching initiatives to measurable business outcomes. The Personetics-Atomic partnership addresses these gaps by combining transaction intelligence with seamless execution and closed-loop measurement in a single platform. The joint solution moves beyond generic campaigns to context-driven engagement, using Personetics' transaction intelligence to trigger switching opportunities based on real customer behavior, such as external financial activity, income and bill patterns and relationship depth. By embedding Atomic's execution layer directly into the digital banking experience, banks can ensure switching offers are delivered at the most relevant financial moment, reducing friction and significantly increasing conversion and engagement. "Atomic's capabilities are a natural fit with our Cognitive Banking vision and our open platform roadmap, enabling banks to move beyond insights to deliver contextual financial actions that drive measurable business outcomes," said Udi Ziv, CEO of Personetics. By embedding Atomic's switching capabilities directly into Personetics Cognitive Banking Platform, the solution reduces friction and improves completion rates while giving banks greater control over how and when these journeys are delivered. Every interaction is tracked and fed back into Personetics' analytics, enabling continuous optimization and providing a clear, measurable link between customer actions and deposit growth. "By partnering with Personetics, we're enabling banks to bring highly relevant, real-time insights into everyday banking experiences, and seamlessly turn those insights into financial action," said Jordan Wright, CEO and Co-founder at Atomic. "Together, we help banks deepen relationships while delivering measurable business outcomes." Banks looking to elevate customer experience and deliver tangible business outcomes can leverage Personetics' Cognitive Banking Platform to activate and optimize contextual switching strategies within a unified experience. To learn more, register for Personetics and Atomic's upcoming webinar on April 14th, "From Insight to Action: Turning Transaction Intelligence into Measurable Deposit Growth," here. About Personetics Personetics, the Cognitive Banking Platform, is a pioneer in transforming how banks build and monetize customer relationships. Its AI-powered enterprise platform turns customer data into real-time transactional and digital intelligence, driving timely, relevant customer experiences and contextual actions that deliver measurable business outcomes. Serving leading financial institutions worldwide, Personetics continuously analyzes customer data to understand what is happening in each account holder's financial life, elevating the customer experience and reinforcing the bank's role as a trusted financial partner. For more information, visit https://personetics.com. About Atomic Atomic is a market leader in embedded financial connectivity, trusted by over 195 financial institutions and fintech firms, including 9 of the top 10 financial institutions and 12 of the top 20 fintechs. Since launching with its pioneering direct deposit switching solution, Atomic has expanded into a connected suite that helps users move, manage, and make payments with clarity and control through products like payment method updating, and bill and subscription management. For more information, visit https://atomic.financial.
Personetics and Atomic have partnered to deliver an end-to-end solution for contextual direct deposit and bill payment switching within digital banking platforms. The integration combines Personetics' transaction intelligence with Atomic's embedded financial connectivity to help banks identify optimal switching opportunities and execute them seamlessly. The solution addresses limitations of existing deposit switching tools by using real-time transaction data to trigger switching offers based on customer behaviour, such as external financial activity and income patterns. By embedding Atomic's capabilities directly into Personetics' Cognitive Banking Platform, banks can reduce friction and track every interaction for continuous optimisation. The partnership enables banks to deliver contextual switching strategies whilst linking customer actions to measurable deposit growth outcomes. A joint webinar is scheduled for 14 April.
(July 23, 2025) - Prisma Campaigns, a leading provider of marketing automation for credit unions and community banks, has announced a strategic partnership with Atomic, a fintech powering connected financial experiences.
Paying bills and managing subscriptions are mainstays of financial life — even a daily task, for many consumers. However, updating payment methods has traditionally been riddled with pain points and friction. For merchants and other providers, a hitch in the process translates into a loss of revenues and even customer loyalty. Prashant Shah, VP of [] The post One-Tap Payment Switch Gives Banks the Edge in Account Primacy appeared first on PYMNTS.com.
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