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Alkami vs Eclipse

Alkami logo

Alkami

Technology

Digital banking platform for United States banks and credit unions

From
On request
Rated
-
Full reviewWebsite
Eclipse logo

Eclipse

Technology

The Eclipse Foundation - home to a global community

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Eclipse has a free tier, so it costs nothing to try first.
  • Each has a real cost: Alkami pricing is per registered user with contractual minimums, so institutions with many enrolled but dormant users pay for accounts that never log in.; Eclipse high memory consumption and CPU usage, especially with multiple plugins installed
  • They diverge on capability: Alkami covers Retail digital banking, Eclipse covers Java development environment.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Alkami and Eclipse actually diverge.

Attributes where Alkami and Eclipse differ
AttributeAlkamiEclipse
Starting priceOn requestFree
Pricing modelquoteUnknown
Free tierNoYes
PlatformsWeb, iOS, AndroidWindows, macOS, Linux
FoundedUnknown2001

Identical on both: user rating (Not yet rated), category (Technology).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Alkami

  • Retail digital banking
  • Business banking
  • Digital account opening
  • Payments and money movement
  • Data and marketing
  • Extensibility framework
  • Card controls
  • Multi core integration

Only in Eclipse

  • Java development environment
  • Extensible plugin architecture
  • Integrated debugger
  • Code refactoring
  • Version control integration
  • Build automation
  • Multi-language support
  • Rich client platform

What people use each for

The jobs each tool is most often brought in to do.

Alkami

  • A credit union replacing the weak digital banking bundled with its core contractnot Eclipse
  • A community bank that needs commercial entitlements and approvals its core vendor does not providenot Eclipse
  • An institution wanting digital account opening and digital banking from one vendor after the MANTL acquisitionnot Eclipse
  • A bank competing for deposits online and needing an onboarding funnel that works on mobilenot Eclipse

Eclipse

  • Java application developmentnot Alkami
  • Enterprise software developmentnot Alkami
  • Web application developmentnot Alkami
  • Plugin developmentnot Alkami
  • Educational programmingnot Alkami

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Alkami

  • Pricing is per registered user with contractual minimums, so institutions with many enrolled but dormant users pay for accounts that never log in.
  • Alkami is a channel layer, not a core, so functionality is bounded by what the core exposes, and a poor core integration produces a slow product no amount of channel work fixes.
  • Implementation typically runs six to twelve months and requires institution staff time, which small credit unions consistently underestimate.
  • The MANTL acquisition adds account opening but also another integration programme, and consolidating on one vendor removes leverage to swap a weak module for a best of breed alternative.
  • Buying digital banking separately from the core vendor means you own the integration risk between two suppliers who will each blame the other when something breaks.

Eclipse

  • High memory consumption and CPU usage, especially with multiple plugins installed
  • Slow startup times and performance degradation with large projects or many open editors
  • Requires configuration of eclipse.ini file to optimize heap sizes for adequate performance
  • User interface considered outdated compared to modern IDE alternatives
  • User base fell from 39% of Java developers in 2024 to 28% in 2025, indicating market decline

Pricing, plan by plan

Alkami

On request
  • Alkami Digital Banking Platform$undefined/year
    • Priced per registered user per month with multi year terms
    • Minimum user commitments typical, so enrolled inactive users are still billed
    • Implementation and core integration charged separately

Eclipse

Free

No published plan breakdown. See the Eclipse review.

Which should you pick?

Choose Alkami if

  • You need retail digital banking.
  • You work on Web, iOS, Android.
  • You also want business banking.
Alkami review

Choose Eclipse if

  • You need java development environment.
  • You want to start without paying.
  • You work on Windows, macOS, Linux.
  • You also want extensible plugin architecture.
Eclipse review

Questions people ask

Is Alkami or Eclipse better?
Neither clearly leads. Alkami starts at On request and Eclipse at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Alkami or Eclipse?
Eclipse has a free tier; the other does not. Paid plans start at On request for Alkami and Free for Eclipse.
Does Alkami or Eclipse run on more platforms?
Alkami runs on Web, iOS, Android. Eclipse runs on Windows, macOS, Linux.
Can I use Eclipse for free?
Yes. Eclipse has a free tier, so you can try it without paying. Alkami starts at On request.
What is Alkami best used for?
Alkami is most often used for a credit union replacing the weak digital banking bundled with its core contract, a community bank that needs commercial entitlements and approvals its core vendor does not provide, an institution wanting digital account opening and digital banking from one vendor after the mantl acquisition, a bank competing for deposits online and needing an onboarding funnel that works on mobile. Of those, a credit union replacing the weak digital banking bundled with its core contract and a community bank that needs commercial entitlements and approvals its core vendor does not provide are not what Eclipse is typically brought in for.
What can Alkami do that Eclipse cannot?
Alkami covers Retail digital banking, Business banking, Digital account opening, Payments and money movement. Eclipse covers Java development environment, Extensible plugin architecture, Integrated debugger, Code refactoring.

Answered from the vendors’ own pages

Alkami: Does Alkami replace our core?

No. It is the digital channel and account opening layer on top of a core such as Fiserv, Jack Henry or FIS.

Eclipse: How much does Eclipse IDE cost?

Eclipse IDE is completely free and open-source, released under the Eclipse Public License 2.0.

Source
Alkami: How is it priced?

Per registered user per month on multi year contracts with minimums, so model your enrolled user count rather than your active user count.

Alkami: What did the MANTL acquisition change?

It brought deposit account opening in house, announced February 2025 at $400 million enterprise value, so account opening and digital banking can come from one vendor.

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