Candescent has signed a multi-year agreement with EverBank to supply its Digital Branch Banker platform across the bank's 41 financial centres.
EverBank plans to use the system to modernise teller and banker processes and link branch services more closely with its digital and assisted channels. The platform will replace legacy teller technology and support real-time transaction processing across its financial centres.
The agreement pairs a banking software provider with a client that has USD $47 billion in assets. EverBank operates as a nationwide speciality bank, with financial centres in California, Florida and New York alongside its digital banking services.
Candescent's platform is built on a cloud-native architecture and is designed to integrate with a bank's wider technology estate. For EverBank, that includes continuity with imaging tools already supplied by Candescent as the lender moves away from older branch systems and local branch servers.
Branch shift
The rollout is intended to support several branch service formats, including full-service, assisted and self-service models. The software also supports shared-branch devices such as cash recyclers, scanners, and printers.
Real-time processing is a central part of the project. The platform will handle teller capture and deposit risk review without relying on batch processing, which has long been associated with older branch infrastructure.
EverBank is also seeking tighter links between branch operations and its broader systems through application programming interfaces and shared services. The product includes tools intended to help banks extend and modify services over time.
The move reflects a wider trend among banks seeking to reshape the role of branches as digital adoption changes routine customer behaviour. Rather than treating branches primarily as transaction points, lenders have increasingly focused on advisory services and more integrated journeys across physical and online channels.
Technology estate
Candescent serves more than 1,300 banks and credit unions, which it says represent more than 30 million registered users. The company has positioned branch modernisation as part of a broader banking software offering spanning account opening, consumer and business banking, and digital services.
For EverBank, the branch project sits alongside its expansion into new markets. The bank said the updated platform is intended to reduce friction for staff and customers while giving it a system that can adapt to changing customer expectations and regulatory demands.
"We are thrilled to partner with EverBank to help them deliver an amazing banker experience and transform how the branches operate. Reliability, innovation, and long-term adaptability for branch modernisation are no longer about cosmetic upgrades - it is about architectural change and a focus on the banker experience," Gareth Gaston, Chief Product Officer at Candescent, said.
"EverBank recognised the need for a modern, cloud-native foundation that supports real-time banking, faster innovation, and operational resilience. Our Digital Branch Banker platform delivers exactly that, and this partnership reflects how Intelligent Banking comes to life in the branch," Gaston added.
EverBank framed the overhaul as part of a broader rethink of what customers should expect from a financial centre. Sandeep Chaturvedi, Executive Vice President and Chief Digital and Information Officer at EverBank, said, "Selecting Candescent's modern Digital Branch Banker is a foundational step in reimagining the role of the financial centre - from a place of transactions to a hub of meaningful customer relationships."
"We are eliminating friction, simplifying every interaction, and equipping our bankers with intuitive, modern tools that allow them to focus on what matters most - building trust and deepening relationships. This enables faster, more personalised experiences for our customers while supporting our expansion strategy as we scale into new markets," said Chaturvedi.