CustomerStream collaborates with Jack Henry’s Banno Digital Banking Platform to offer a seamless, multi-product refer-a-friend experience.

Community and regional financial institutions can now offer account holders a best-in-class refer-a-friend experience to significantly increase new account growth while lowering the cost of acquisition.

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CustomerStream™ announced that ReferLive™, the leading digital refer-a-friend platform for banks and credit unions, is now accessible through the Jack Henry™ digital banking platform. ReferLive leveraged the Banno Digital Toolkit™, the same set of APIs the Banno Digital Platform™ is built on, to embed its technology into the digital experiences offered by community and regional financial institutions. Access to Jack Henry’s API, design, and authenticated frameworks has enabled CustomerStream’s ReferLive to directly integrate into the digital banking platform providing a seamless refer-a-friend experience. This integration contributes to Jack Henry’s growing ecosystem of over 950 fintechs, providing approximately 7,500 financial institutions with relevant financial products and services for their account holders.

ReferLive enables community banks and credit unions to leverage account holder loyalty to generate banking referrals for friends, family, and co-workers that result in high-quality new account openings. ReferLive provides financial institutions an alternative channel for capturing new, profitable banking relationships through referrals while significantly reducing marketing costs. By extending the customer referral experience to the Banno Digital Banking Platform, institutions can quickly and easily deploy a complete referral solution that drives growth from digital banking channels.

“CustomerStream is on a mission to bring affordable and easy to implement refer-a-friend solutions to financial institutions of all asset sizes,” said Jeff Dewald, Founder and CEO of CustomerStream. “ReferLive allows account holders to express loyalty and satisfaction with their financial institution and be rewarded for referring friends to open new deposit and loan accounts with a single click within home and mobile banking. It’s an easy win for both financial institutions and their account holders.”

About Jack Henry & Associates, Inc.®

Jack Henry™ (NASDAQ: JKHY) is a well-rounded financial technology company that strengthens connections between financial institutions and the people and businesses they serve. We are an S&P 500 company that prioritizes openness, collaboration, and user centricity – offering banks and credit unions a vibrant ecosystem of internally developed modern capabilities as well as the ability to integrate with leading fintechs. For more than 47 years, Jack Henry has provided technology solutions to enable clients to innovate faster, strategically differentiate, and successfully compete while serving the evolving needs of their account holders. We empower approximately 7,500 clients with people-inspired innovation, personal service, and insight-driven solutions that help reduce the barriers to financial health. Additional information is available at

About CustomerStream, LLC

CustomerStream is a designated service provider for financial institutions. Our software has changed the way financial institutions acquire, engage, and retain their most profitable account holders. Our mission is to fully automate referral and loyalty programs for banks and credit unions of all asset sizes. ReferLive, by CustomerStream, continues to be the industry’s only omni-channel referral marketing platform designed exclusively for financial institutions. Our platforms deliver 100% compliant, automated referral experiences that your highest value account holders will enjoy. ReferLive’s multi-product referral platform generates an average 30% boost to loan growth and deposits. With ReferLive, your financial institution can easily grow retail checking, small business checking, credit cards, personal loans, and auto loans. Additional information can be found at

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