First Commerce Bank Selects FIS Core Banking to Compete in an AI-Ready Future

Key Terms

core banking platform financial

A core banking platform is the central software that processes a bank’s everyday operations — accounts, deposits, withdrawals, payments, loans and customer records — similar to the operating system of a computer or the engine of a car. Investors care because this platform determines how efficiently a bank runs, how fast it can add new products, control costs, meet regulatory rules and scale for growth; a modern, reliable platform can directly affect profitability, risk and customer satisfaction.

api-enabled platform technical

An api-enabled platform is a software system designed so other programs can connect to it automatically through application programming interfaces (APIs), like electrical outlets that let different devices plug into the same power source. For investors, it matters because these platforms make it easier and faster for partners, customers, or developers to add features, share data, or scale services, which can boost revenue, reduce costs, and increase the value of the product ecosystem.

open apis technical

Open APIs are publicly available software interfaces that let outside developers access a company’s data or services—like a standardized power outlet that lets many different devices plug in. For investors, they matter because they can speed product innovation, expand partnerships and customer reach, and create network effects that boost growth, while also raising considerations around security, data control and competitive dynamics.

agentic commerce tools technical

Agentic commerce tools are software systems that can act autonomously to carry out buying, selling, personalization or negotiation tasks on behalf of a business or customer, much like a trusted assistant that can place orders, adjust prices, or recommend deals without constant human direction. Investors care because these tools can boost sales speed and efficiency, lower staff costs, and create new revenue streams, but they also introduce operational, regulatory and reputational risks if they behave unpredictably.

real-time payments financial

Real-time payments are electronic transfers that move money between bank accounts almost instantly and are available around the clock, unlike traditional overnight or batch transfers. For investors, this matters because faster payments improve a company’s cash flow, reduce the time money sits unpaid, and can change revenue and cost dynamics for banks, payment processors and businesses—think of it like receiving a text message instead of waiting for a letter.

embedded finance financial

Embedded finance integrates financial services directly into the products or platforms people use daily, such as online shopping or business software. It allows users to access services like payments, loans, or insurance seamlessly within those platforms, making transactions faster and more convenient. For investors, it represents a way for companies to generate new revenue streams and deepen customer relationships through integrated financial offerings.

ai-driven insights technical

Analyses and conclusions produced by computer systems that learn from large amounts of financial, operational, and market data to highlight patterns, risks, or opportunities investors might miss. Like a smart assistant that sifts through paperwork and past trends to produce focused takeaways or a weather app that turns raw observations into a forecast, these insights help investors decide where to focus research, spot potential winners or red flags, and act faster with clearer information.

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Key Facts:

• First Commerce Bank, a $1.8 billion-asset community bank based in New Jersey, has selected FIS HORIZON as its go-forward core banking platform.
• The agreement gives First Commerce Bank access to the full HORIZON ecosystem - an API-enabled platform built for integration flexibility, fintech connectivity, and long-term innovation.

JACKSONVILLE, Fla.--(BUSINESS WIRE)-- FIS® (NYSE: FIS), a global leader in financial services technology, today announced that First Commerce Bank, a $1.8B-asset community bank based in New Jersey, has selected FIS as its go-forward core banking platform - giving the institution a modern, AI-ready foundation as community banks of its size face mounting pressure to compete on technology with both national banks and digital-first challengers.

First Commerce Bank conducted a thorough evaluation of its long-term technology strategy, looking for a core partner with modern architecture, integration flexibility, and a genuine commitment to service. FIS HORIZON stood apart for its ability to power the full money lifecycle on a single platform, accelerate fintech connectivity through open APIs, and pair modern technology with the high-touch partnership First Commerce Bank prioritized.

“Community banks need more than modern technology, they need a partner that is invested in their long-term success,” said Melissa Cullen, Head of Regional and Community Banking, FIS. “First Commerce Bank is building for the future, and FIS HORIZON gives them a flexible, modern foundation backed by the expertise, responsiveness and partnership needed to support that journey. We’re proud to help them accelerate innovation, strengthen customer experiences and grow with confidence.”

As part of the agreement, First Commerce Bank gains access to the broader HORIZON ecosystem - an API-enabled platform designed to simplify integrations, accelerate fintech connectivity, and support the bank’s long-term modernization strategy. The platform also positions First Commerce Bank to pursue AI-powered capabilities, including standardized data feeds and agentic commerce tools, as its strategy evolves.

"Modernizing your core banking technology is one of the most consequential decisions a bank makes," said Gregory Garcia, Chief Operating Officer. "We chose FIS because of the strength of the HORIZON platform and because the team demonstrated a real commitment to our success throughout the process. We're confident we have the right partner to help us grow and serve our customers well."

FIS core banking solutions serve as the center of a connected banking ecosystem for community and regional banks, enabling institutions to manage operations across the money lifecycle while building toward next-generation capabilities including real-time payments, embedded finance, and AI-driven insights. The platform's open architecture and FIS's track record with community banks make it well suited for institutions that want to modernize without sacrificing stability or service continuity.

First Commerce Bank joins a community and regional bank client base that spans institutions from under $1 billion to well over $100 billion in assets, all running on FIS core banking platforms including FIS HORIZON.

About FIS

FIS is a financial technology company providing solutions to financial institutions, businesses, and developers. We unlock financial technology to the world across the money lifecycle underpinning the world’s financial system. Our people are dedicated to advancing the way the world pays, banks and invests, by helping our clients to confidently run, grow, and protect their businesses. Our expertise comes from decades of experience helping financial institutions and businesses of all sizes adapt to meet the needs of their customers by harnessing where reliability meets innovation in financial technology. Headquartered in Jacksonville, Florida, FIS is a member of the Fortune 500® and the Standard & Poor’s 500® Index.

To learn more, visit www.fisglobal.com. Follow FIS on Facebook, LinkedIn and X.

View source version on businesswire.com: https://www.businesswire.com/news/home/20260617591826/en/

For More Information

Nicole Alley, 904.438.6278
Vice President
FIS Global Marketing and Communications
Nicole.Alley@fisglobal.com

Lauren Pozmanter, 631.827.7963
US & Corporate PR Lead
FIS Global Marketing and Communications
Lauren.Pozmanter@fisglobal.com

Source: Fidelity National Information Services