Q4 2025 Recap: Innovation, Insight, and Momentum at ARGO

As 2025 comes to a close, the financial services landscape finds itself at a pivotal moment. Institutions are navigating rapid shifts in customer expectations, evolving digital behaviors, and an increasingly complex regulatory environment. Throughout this final quarter, ARGO continued its commitment to helping financial institutions operate efficiently, engage proactively, and deliver secure, customer-centric experiences.

From product advancements to new partnerships and compelling thought leadership, Q4 was a season of meaningful progress. Here’s a look back at the highlights shaping our clients and our industry.

Spotlight on Innovation: ARGO Connects

Today’s customers expect more than just access to their financial institution — they expect consistency. Whether they’re walking into a branch, logging into their online banking app, or picking up the phone, they want seamless continuity and personalized experiences at every touchpoint.

This quarter, ARGO reinforced its commitment to helping institutions achieve that level of service with Connects, our solution designed to connect the entire customer experience across traditionally siloed systems.

By facilitating open, bi-directional data movement between channels and core systems, Connects ensures that each interaction builds upon the last. Institutions can adapt quickly, deliver more relevant communication, and eliminate the frustration of disjointed processes.

Key Features of Connects

• Continuity that follows the customer, providing a unified experience whether someone researches, opens accounts, or manages finances on any channel
• Simplified shopping and buying journeys, making it easier for consumers to research, compare, and act
• Cohesive, consistent communications between bankers and customers, front office and back office
• Centralized rules, workflows, and compliance management, replacing fragmented systems with coordinated oversight

For a deeper look, download the Connects Solution Brief here.

Staying Ahead of Regulatory Complexity: Compliance Support Bulletin

The regulatory landscape continued to intensify throughout Q4, with agencies introducing new requirements, revisiting longstanding rules, and seeking updated feedback from institutions. ARGO’s compliance team closely monitored these developments to keep our clients fully informed and prepared.

Our latest Compliance Support Bulletin summarizes the most impactful shifts from this quarter, along with insights into what institutions should expect in early 2026.

Key Topics Covered

• FDIC survey on Anti-Money Laundering compliance costs
• RESPA updates requiring annual analysis of past due loans
• Rising industry concerns regarding the surge in check fraud
• Interagency efforts to further evaluate regulatory burden reduction
• The upcoming comment deadline for CFPB Section 1033 ANPR
• SBA proposals that would expand monetary-based small-business size standards

Expanding Our Ecosystem: New ARGO Partnerships

Partnerships play a crucial role in helping institutions modernize and elevate their operations, and this quarter brought several exciting collaborations.

Institutions implementing new ARGO solutions or adding to their existing suite:

• Central Pacific Bank — deploying Connects, Teller Payments, and Real-Time Fraud solutions to enhance their customer experience and strengthen operational security
• Shinhan Bank — adopting SAND to deepen analytics and decisioning insights
• Synovus — implementing Connects, Retail Lending, and OASIS to unify customer engagement, streamline lending, and enhance service delivery

These partnerships reflect growing industry confidence in ARGO’s ability to scale, support transformation, and deliver measurable outcomes.

New Resource Available: The Importance of Early and Proactive Customer Engagement Throughout the Customer Journey.

This white paper explores the profound shift in consumer behavior as customers increasingly research, evaluate, and decide online long before interacting with branch or contact center staff. Institutions that wait for customers to initiate contact risk missing the moment of influence — and the opportunity for long-term relationship growth.

Key takeaways from the white paper:

• How digital-first behavior shapes modern decision-making
• Why early, proactive engagement is essential for acquisition and retention
• Strategies for delivering personalized, contextual outreach across the customer lifecycle
• The role of automation, advanced analytics, and Voice-of-the-Customer insights in driving growth

ARGO in the News

This quarter brought continued recognition across the financial services media landscape as ARGO experts weighed in on key industry topics, from fraud prevention to marketing transformation. Recent coverage includes:

• Fighting Over-the-Counter Fraud (Bank Business)
• 5 Banking Marketing Obstacles and How to Conquer Them (BAI Banking Strategies)
• Revolutions on Deck: The Trends Poised to Define Financial Services (The Fintercept)
• Automation Strengthens Fraud Prevention at the Teller Window (FinTecBuzz)

These features underscore ARGO’s leadership in addressing the challenges most pressing for financial institutions today.

Closing Out 2025 With Momentum

As we wrap up Q4 and look ahead to 2026, one theme stands out: financial institutions are navigating change at unprecedented speed, and the need for connected experiences, proactive engagement, and operational clarity has never been greater.

This year, ARGO continued investing in innovation, strengthening solutions, and supporting our clients as they transform to meet evolving customer expectations. We are grateful for the trust and collaboration of our partners and excited to continue advancing the industry together in the year ahead.

Here’s to a strong start to 2026, and to another year of progress, partnership, and purposeful innovation.