Bankjoy

Bankjoy is a Black-owned FinTech startup founded in 2015 and backed by Y Combinator.

Based in Royal Oak, Michigan, the company specializes in providing digital banking solutions tailored for community banks and credit unions. With a mission to enhance American banking infrastructure, Bankjoy enables these institutions to adopt modern, tech-driven operations that can compete with larger financial entities. The company offers a comprehensive suite of digital banking software and services, including mobile and online banking platforms, online account opening, loan origination, and digital document management. Bankjoy also features a conversational AI chatbot named "Joy" to improve member interactions and provides a proprietary Banking API for seamless integration with third-party FinTech software. With a focus on consumer-tested solutions, Bankjoy has served over one million members, helping community banks and credit unions modernize their digital customer experiences.