Our organization utilizes JP Morgan for banking and credit card services and would like to continue working directly with our existing financial institution. Unfortunately, the current Yodlee integration in Financial Edge NXT creates limitations that make credit card management increasingly difficult for organizations with larger card programs.

The most significant challenge is the 20-credit-card limit, which does not adequately support organizations with multiple departments, programs, locations, or authorized cardholders. As organizations grow, credit cards become an important purchasing and operational tool, and the current limitation forces organizations to seek manual workarounds that reduce efficiency and increase administrative burden.

Additionally, reliance on Yodlee's screen-scraping technology introduces unnecessary risk and instability. Connections can fail when banks update websites, change authentication requirements, or implement additional security controls. This often results in interrupted feeds, delayed reconciliations, increased support requests, and additional manual processing.

Blackbaud should consider:

• Expanding or eliminating the current 20-card limitation.

• Providing direct API-based integrations with major financial institutions, including JP Morgan.

• Supporting modern banking connectivity standards rather than relying primarily on screen scraping.

• Offering more robust commercial card integration options for organizations with large cardholder populations.

• Enhancing feed reliability and reducing maintenance associated with authentication changes and connection failures.

From a financial management and internal control perspective, reliable credit card integrations improve transaction visibility, accelerate month-end close processes, reduce manual data entry, and strengthen audit trails. As nonprofit organizations continue to scale, the current limitations no longer align with the operational realities of modern finance departments.

Investing in direct banking integrations and expanded card support would provide meaningful value to Financial Edge NXT customers while improving security, reliability, and overall user experience.