Human Expertise.
Data-Driven Intelligence.
Better Decisions.
Since 1994, ICI has gained deep consulting expertise from more than 1,300 vendor engagements and three decades of contract negotiations. Our knowledge is not theoretical; it is built on real data, real outcomes and real pricing insight. The result: better decisions, stronger leverage and modernization strategies rooted in evidence.
ICI partners with financial institutions on critical technology decisions from strategy and evaluation through negotiation and conversion. Backed by more than three decades of experience and unmatched pricing insight, our team provides objective guidance across core, digital, payments, cards and other technology vendors—ensuring the right technology, the right contract and the right outcome.
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ICI Free Webcasts: Insights that Strengthen Your Technology Decisions.
Our webcasts are designed to help banks and credit unions stay informed about core trends, vendor practices, contract nuances and modernization strategies. Each session offers practical, vendor-neutral guidance which can be immediately applied.
Core Conversion: Best Practices & Pitfalls
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Digital Banking Vendors
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Core Top Providers: Inside the Big 5
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AI 201: Core Vendor Deep Dive
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Core Vendors: 2nd Tier Players Making Noise
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Unlock Core Savings
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The Proven ICI Process
ICI’s proven process gives institutions the clarity and leverage needed to modernize confidently. Backed by senior-level expertise and decades of vendor intelligence, we help our clients identify the right technology partners, negotiate stronger contracts and achieve measurable, long-term results.
Discovery
We uncover the full picture of your current technology, contracts, and operations, identifying gaps, risks and opportunities that shape your modernization path.
Analysis & Strategy
We benchmark vendors, assess fit and build a data-driven strategy that aligns technology with your institution’s long-term goals. No bias. No vendor influence. Just clarity.
Negotiation
We strengthen your leverage to secure optimized pricing, tighter ATCs and cleaner terms, protecting your institution across the entire contract lifecycle.
Results
We deliver measurable outcomes, from significant pricing improvements to tighter ATCs and long-term contractual protections, often producing ROI multiples that exceed the projected save number.
Our Valued Clients
What clients are saying about ICI
We will need some copy to go here. of your current technology, contracts, and operations, identifying gaps, risks, and opportunities that shape your modernization path.
Success Stories
We are proud to support banks and credit unions nationwide and our clients tell the story best. From stronger contracts to successful modernization journeys, here is what our clients share about the value, partnership and results they experience with ICI.
“During the past 20 years in banking, I have worked with a number of consulting firms on vendor negotiations, technology initiatives, and strategic projects. Without question, the ICI team is the best consulting firm with whom I have worked.
During a recent contract renewal and negotiation, our ICI consultant quickly became an extension of our team. She worked closely with our executive management, legal counsel, and internal stakeholders to help us navigate a complex process and make informed decisions along the way. Her industry knowledge, responsiveness, and practical approach provided tremendous value throughout the engagement.
The engagement was worth the investment, and I would not hesitate to work with the ICI team again. I would strongly recommend ICI to any financial institution facing a complex vendor negotiation or strategic technology initiative.”
“When Citizens Bank & Trust first contacted ICI to help us with negotiating our core contract, none of us knew what to expect. From our first teleconference call with the ICI team, we knew we had contacted the perfect firm with the perfect group to lead us with our core contract negotiations.
Our ICI consultant hit the ball out of the park; he was incredibly personable plus his knowledge and expertise were invaluable in this process. We are forever grateful to ICI for the cost savings we will experience over the life of our new contract. Thank you so much, ICI, we give you our highest recommendation!”
“ICI Consulting was an invaluable partner throughout our core processor evaluation and contract renewal process. Working with our ICI consultant was a great experience, he was responsive, attentive and always available to answer questions and provide guidance.
Our ICI consultant’s expertise helped us navigate a complex decision with confidence, ultimately resulting in significant cost savings on our renewal. I highly recommend ICI Consulting to any financial institution seeking knowledgeable advocacy and expert guidance during a core contract review or conversion evaluation.”
“I highly recommend ICI Consulting to any financial institution evaluating its core technology strategy. The ICI team provided exceptional guidance from start to finish with complete transparency, deep industry expertise, and an impressive understanding of the core banking landscape.
Our ICI consultant was responsive, objective, and a true partner throughout the entire process, delivering world-class service every step of the way. The support and negotiation expertise were both invaluable, and I would highly recommend ICI to any institution looking for a trusted advisor.”
“Having ICI Consulting lead the process of Waterman Bank’s core vendor evaluation was invaluable! From keeping the project on track to negotiating contract terms and pricing as well as coordinating with legal counsel, every project detail was handled professionally and efficiently.
Our ICI consultant achieved results that exceeded our high expectations: a five-year Fiserv Precision renewal with exceptional pricing discounts and important contractual protections that support our bank’s growth strategy. He was a trusted advocate throughout the engagement and allowed our team to stay focused on running the bank. We highly recommend hiring ICI Consulting to any financial institution facing a core contract evaluation and negotiation.”
“ICI Consulting’s industry expertise and extensive network of contacts made our evaluation and renewal process far smoother than it would have been had we managed it on our own. Our consultant kept the process moving at a reasonable pace and brought the right people to the table, ensuring our concerns were heard and our needs were addressed.
ICI’s guidance helped us navigate complex decisions with greater confidence and provided valuable perspective throughout the process. We appreciated their responsiveness, professionalism, and commitment to helping us achieve a positive outcome.”
