Tyfone, a Portland, Oregon-based provider of digital banking software for community banks and credit unions, acquired ATTUNE, a New York-based fintech that sells digital account opening and loan origination tools. Tyfone announced the deal on September 1, 2026. Terms were not disclosed.
ATTUNE's products cover consumer and business account opening, deposit funding, consumer and business loan origination, and loan servicing. Tyfone said they would become foundational parts of its new Lending platform, which is aimed at community financial institutions.
Because ATTUNE's tools work regardless of which core banking or digital banking system a bank uses, institutions can keep running them alongside their existing technology or connect them to Tyfone's nFinia digital banking product, according to the announcement.
What ATTUNE built
ATTUNE was founded in 2019 and is led by founder and chief executive AK Patel, according to Finovate. It was formerly known as Lendsmart, Pulse 2.0 reported. Finovate described it as a provider of end-to-end digital lending and home-buying software built around a Digital Origination Platform. Its tools are meant to let a bank or credit union take a new customer from application to a funded account or a loan online, and to offer further products to that customer within the same workflow.
In January 2024 Pulse 2.0 reported that ATTUNE had raised $2.225 million in a seed round led by Tribeca Early Stage Partners, with CastleCreek Launchpad, the Independent Community Bankers of America (ICBA) and Mike Roffler also taking part. At the time the company described a product range that included digital lending, digital onboarding, cross-selling, digital insurance and customer support tools.
Neither company disclosed ATTUNE's customer count, revenue or headcount.
“Community financial institutions shouldn't have to stitch together multiple vendors to deliver a modern digital experience.”
Why Tyfone is buying
Tyfone sells its cloud-native nFinia platform to community banks and credit unions across the United States. It already offered lending-related products such as Quick Pay for loan payments, Skip-A-Pay for payment deferrals and Collect for collections. The acquisition adds the earliest stages of the relationship, opening the account and originating the loan, to that set. Tyfone said it expands its Digital Origination and Lending platform so that every stage of borrowing, from origination to payments, deferrals, collections and ongoing engagement, sits with one provider.
Tyfone said the acquisition lets institutions digitally acquire new consumer and business customers, open and fund their accounts, originate loans and then move those customers into digital banking, without stitching together separate point products. Chief executive Siva Narendra said the deal completes the digital financial relationship by bringing account opening, lending, payments, servicing and AI-powered engagement into one platform.
Narendra said community institutions have always set themselves apart through trusted relationships, but that those relationships increasingly begin online. He said the combined platform would let them compete digitally while keeping the personal relationships that have been their main advantage.
What happens to ATTUNE's customers
Tyfone did not announce changes to ATTUNE's existing contracts. Its stated plan is that banks and credit unions can deploy the account opening and loan origination software next to whatever systems they already run, or integrate it with nFinia. Tyfone said this avoids costly rip-and-replace projects and lets institutions modernise at their own pace.
Patel said ATTUNE was founded on the belief that community institutions should not have to combine several vendors to offer a modern digital experience. He said joining Tyfone would bring account opening, lending, payments, servicing, digital banking and AI together in one open ecosystem.
A long-running fintech supplier
Tyfone is not a new company. Co-founder Siva Narendra demonstrated it at the first Finovate conference, FinovateSpring 2008 in San Francisco, showing a mobile memory card for contactless payments, Finovate recalled. It moved from a mobile-only focus to multiple channels in 2014 and launched the Payfinia brand for instant payments in 2024.
With ATTUNE, Tyfone is positioning itself as a single supplier for community financial institutions that want one platform covering digital acquisition, lending and everyday banking.
