First Bank of Alabama Launches Enable Platform for Credit Card Originations

First Bank of Alabama, a community bank with $1.3 billion in assets, launched the Enable platform for consumer and business credit card originations on June 23, 2026. According to the bank, the AI-driven system was implemented ahead of schedule to modernize the digital onboarding process for its customers.

The bank’s digital transformation strategy aims to unify consumer and business lending into a single, streamlined experience. Mitch Key, COO of First Bank of Alabama, stated the implementation speed was “remarkable” and resulted from collaboration between the bank’s team and Enable.

Did You Know? First Bank of Alabama was formed in 1848, making it the oldest continuously operated bank in the state of Alabama.

How does the Enable platform change credit card originations?

The Enable platform utilizes AI-driven technology to combine account opening and lending for both business and consumer clients. According to the company, the system uses open APIs, automation, and real-time guidance to reduce friction in the omnichannel experience.

Ashwin Goyal, CEO of Enable, said the platform is designed to allow partners to launch complex products quickly. He noted that the successful go-live with First Bank of Alabama reflects the platform’s operational maturity.

Expert Insight: Samantha Carter notes that for community banks, the transition from legacy processes to AI-driven origination is less about the technology and more about the speed of execution. By unifying business and consumer streams, institutions can reduce operational silos that typically slow down credit approvals.

What is the significance for First Bank of Alabama?

The transition represents a shift toward a modern digital onboarding experience for the bank’s diverse client base. First Bank of Alabama operates as a full-service community bank and a subsidiary of FirstBanc of Alabama, Inc.

First Bank of Alabama Mobile Banking Video

The bank maintains a wide geographic footprint with offices in numerous Alabama towns, including Talladega, Fort Payne, Anniston, and Jacksonville. This digital upgrade allows the institution to provide consistent services across its various branch locations.

What may happen next for the bank’s digital growth?

First Bank of Alabama may continue to collaborate with Enable to expand its digital offerings. A possible next step could involve the launch of additional complex financial products using the platform’s automation tools.

The bank is likely to use the unified origination experience to further its digital growth strategy. According to Ashwin Goyal, Enable intends to support the bank’s ongoing digital evolution.

Frequently Asked Questions

What is the Enable platform?
Enable is an AI-driven origination platform that unifies account opening and lending for consumers and businesses using automation and open APIs.

How many assets does First Bank of Alabama manage?
The bank has $1.3 billion in assets.

Where is First Bank of Alabama headquartered?
The bank is based in Talladega, Alabama.

Do you think AI-driven onboarding will become the standard for all community banks?