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Cogent Bank strengthens commitment to the fintech, payments and technology industries through Embedded Finance 

Florida-based bank continues to invest in embedded finance capabilities as financial services become increasingly integrated into digital platforms

ORLANDO, Fla. (Sept. 22, 2026) – Cogent Bank (Cogent), a Florida-based community bank, today reaffirmed its commitment to the rapidly growing fintech, payments and technology sectors through continued investment in embedded finance capabilities, strategic partnerships and specialized banking expertise.

"We believe fintech, payments and technology companies are playing an increasingly important role in the future of financial services," said Barbara Negron, SVP, Managing Director of Embedded Finance & Partnerships at Cogent Bank. "Our continued investment in embedded finance reflects our confidence in the long-term growth of these industries and the opportunities created when innovative companies and experienced banking organizations work together. We are committed to supporting that growth through strong partnerships, thoughtful governance and the banking expertise needed to help innovative businesses succeed."

Financial services are increasingly delivered through the software and platforms businesses and consumers already rely on, not through a bank's own website or app. Cogent's further expansion into embedded finance reflects that shift, building the infrastructure that lets its partners offer banking and payment capabilities directly within their own products, rather than sending customers elsewhere.

The Bank's commitment to embedded finance reflects its broader strategy of supporting innovation-focused companies and the growing convergence of technology and financial services. Through ongoing investment in infrastructure, governance, compliance, risk management, consumer protection and operational controls, Cogent is building the capabilities necessary to support embedded finance programs within a safe and sound regulatory framework.

As a regulated financial institution, Cogent supports embedded finance programs by maintaining oversight of compliance, risk management, consumer protection and operational controls. The Bank's approach combines banking expertise with a strong governance framework designed to help innovative companies operate responsibly within a safe and sound regulatory environment.

Cogent is expanding its embedded finance capabilities to support fintech, payments and technology companies seeking regulated banking solutions. As adoption of embedded financial services accelerates, Cogent remains focused on supporting responsible innovation while maintaining the standards of safety, soundness and consumer protection the institution is known for and expected of regulated financial institutions.

"Technology continues to transform nearly every aspect of financial services," added Negron. "We believe banks have an important role to play in helping innovative companies bring new solutions to market while operating within a framework that promotes trust, transparency and long-term sustainability."

Representatives from Cogent Bank will participate in Sibos 2026 and Money20/20 as part of the Bank's ongoing engagement with the global banking, payments, fintech, and technology communities.

About Cogent Bank

Cogent Bank is a state-chartered bank that has operated as a full-service business and personal bank since 2018. With over $2.4 billion in total assets, Cogent offers multiple banking centers in North, Central and South Florida. Cogent offers a broad range of lending, depository, treasury management and mobile banking services designed to meet the complex and diverse needs of its clients while staying focused on the local communities it serves. Cogent believes banking is personal and requires high-touch, innovative services designed to make managing financial transactions easier. Cogent pairs its financial expertise with a passion for learning more about its clients' goals and objectives. To learn more, visit https://cogentbank.com/

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