Every day, your users, whether they're running a small business or managing a household budget, open Claude or ChatGPT and ask questions about their finances. "Am I up or down this month?" "What did I spend on dining last quarter?" "Do you have a savings account that makes sense for me?" Without a connection to their actual bank, the answers are educated guesses at best. Narmi MCP Apps changes that: giving community FIs a data-connected presence inside the AI tools their users are already using.
Business owners and consumers aren't waiting to log into online banking to make financial decisions. They're in AI tools, and the gap between where they bank and where they think is where your institution's value gets lost. Meanwhile, enterprise providers aren't waiting and financial institutions that don't establish a presence now risk being invisible at the exact moment users are actively engaging with their finances.
MCP, (Model Context Protocol) is the emerging standard that allows external applications to connect securely to AI tools like Claude and ChatGPT. Think of it as the bridge that lets an AI tool pull real, live data from a trusted source, like a bank, instead of relying on general knowledge. Narmi MCP Apps is built on this standard, which means your institution gets a secure, recognized integration inside the platforms your users already use every day.
Narmi MCP Apps is a suite of three applications that both business and consumer users can access directly inside Claude and ChatGPT, connected to their real account data via a secure, read-only connection. No changes are required to your existing Narmi digital banking instance, and you control which tools are enabled to match your governance and compliance requirements.
Cash Flow History gives users a six-month view of their monthly income versus expenses and average net cash flow. A business owner can ask "What did last month look like for my business?" and a consumer can ask "How much did I spend in April?" and both get answers grounded in their actual transaction data, not an AI guess.
Budget Planner lets users model future income and expenses on top of last month's actuals, with a real-time view of their projected cash position. For a small business owner, that means CFO-level forecasting without the CFO. For a consumer, it means a simple, interactive way to plan ahead, all inside the AI tool they're already in.
Product Information surfaces your institution's live product catalog — terms, fees, eligibility, and FDIC coverage — when a member asks, with CTAs linking directly to your Account Opening screens. A seamless path from financial question to account application, without ever leaving the conversation.
Trusted, Controlled, and Built for Community FIs
This is just the beginning. We plan to expand the MCP Apps suite with additional tools over time, along with deeper FI-specific customization so every institution can deliver an experience that feels distinctly their own.
The AI banking channel is being built right now. Narmi MCP Apps puts community institutions at the front of it.
