ALKAMI TECHNOLOGY, INC. EXECUTIVE EMPLOYMENT AGREEMENT THIS EXECUTIVE EMPLOYMENT AGREEMENT (this “Agreement”) is entered into as of November 1, 2025 (the “Effective Date”), by and between Alkami Technology, Inc., a Delaware corporation (the “Company”), and Cassandra Hudson (“Executive”). R E C I T A L S WHEREAS, the Company desires to enter into an agreement documenting the terms of Executive’s employment as Chief Financial Officer; WHEREAS, Executive also desires to document the terms and enter into such an agreement; WHEREAS, Executive and the Company are contemporaneously herewith entering into an Employee Proprietary Information Agreement (the “EPIA”), the form of which is attached hereto as Exhibit A, and the Company’s form Indemnification Agreement; WHEREAS, the Company considers it essential to its best interests and the best interests of its stockholders to employ Executive as the Chief Financial Officer of the Company for the term of this Agreement; and WHEREAS, Executive is willing to enter into employment with the Company on the terms hereinafter set forth in this Agreement. A G R E E M E N T NOW, THEREFORE, in consideration of the premises and mutual covenants herein and for other good and valuable consideration, the parties agree as follows: 1. Duties and Scope of Employment. (a) Positions, Duties and Location. On the Effective Date, Executive will enter into employment with the Company as the Chief Financial Officer of the Company. Executive will report directly to the Company’s President and Chief Executive Officer (the “CEO”). Executive shall provide senior leadership and support in the financial and accounting operations of the Company, shall perform business and professional services as are customarily associated with the position of Chief Financial Officer, and shall perform such other duties and functions as shall from time to time be reasonably assigned or delegated to Executive by the CEO or the Company’s Board of Directors (the “Board”). The period of Executive’s employment under this Agreement is referred to herein as the “Employment Term.” During the Employment Term, Executive will work remotely from her home so long as it is in the United States. (b) Obligations. During the Employment Term, Executive will perform the assigned duties faithfully and to the best of Executive’s ability and will devote Executive’s full business efforts and time to the Company. For the duration of the Employment Term, Executive agrees not to engage in any other employment, occupation or consulting activity for any direct or indirect remuneration without the prior approval of the Board, provided that Executive may serve

-2- as a compensated member of the board of directors of a third party of Executive’s choosing so long as such third party does not present a conflict of interest and Executive receives prior written consent of the CEO, with such consent not to be unreasonably withheld. 2. At-Will Employment. Subject to Sections 7, 8 and 9 below, the Company agrees to employ Executive, and Executive agrees to serve the Company, on an “at-will” basis, which means that either the Company or Executive may terminate Executive’s employment with the Company at any time and for any or no reason. 3. Compensation. (a) Base Salary. During the Employment Term, the Company will pay Executive as compensation for Executive’s services a base salary at a rate of no less than $460,000 per year, increased from time to time at the discretion of the Board (the “Base Salary”). The Base Salary will be paid in regular installments in accordance with the Company’s normal payroll practices (subject to required withholding). (b) Annual Bonus. Commencing with the 2025 bonus plan year, Executive will be eligible for a target annual bonus of up to seventy percent (70%) of the Base Salary in each calendar year during the Employment Term as such bonus amount will be determined by the Board based on Executive’s achievement of specified performance goals as determined by the Board; provided, however, that such bonus will be prorated, based on the Effective Date, for the first year of this Agreement. Any bonus pursuant to this Section 3(b) shall be paid to Executive between February 1 and March 15 of the calendar year following the calendar year in which such bonus applies. (c) Equity Awards. (i) Executive will be granted an equity award of Restricted Stock Units with a value of $6 million on the date of grant (the “Restricted Stock Unit Award”) under the Alkami Technology, Inc. 2021 Incentive Award Plan (including any subsequent or successor plans, the “LTIP”) with quarterly vesting. Executive may also receive additional awards of equity after this initial grant at the discretion of the Company (including the Restricted Stock Units, “Equity Awards”). (ii) The Restricted Stock Unit Award will vest in accordance with the terms of the equity award agreement evidencing such Restricted Stock Units. The Restricted Stock Unit Award agreement and any subsequent Equity Awards agreement evidencing any such Equity Awards granted to Executive by the Company in the future (each, the “Applicable Award Agreement”) shall provide for the accelerated vesting of all unvested equity if either (x) the Equity Awards are not assumed or continued or substituted (as such terms are used in the LTIP) for similar awards of at least equal value, in connection with a Change of Control (as defined below) or (y) the Equity Awards are assumed, continued or substituted for similar awards of at least equal value in connection with a Change of Control, and Executive’s employment is terminated without Cause (as defined below) by the Company or Executive resigns from Executive’s employment for Good Reason (as defined below), if such termination or resignation occurs either three (3) months prior to, on or within two years following, the date of such Change of Control (such twenty-seven month period being the “Protection Period”) and Executive delivers a release of claims in accordance with Section 9(b) below that becomes effective and irrevocable within 60 days following such termination or resignation. For avoidance of doubt, the provisions of this paragraph supersede and override any conflicting terms set forth in the LTIP, the Applicable Award Agreement or any other agreement evidencing an equity award.

-3- (iii) When determining the termination date of the Applicable Award Agreement, and notwithstanding that the terms of the Applicable Award Agreement provide for a termination date that is three (3) months following the date of Executive’s termination of continuous Service (each as defined in the Applicable Award Agreement) for any reason other than the termination of Executive’s continuous Service by the Company for Cause, such termination date shall be extended until the date that is twelve (12) months following the earlier of (A) Executive’s termination of continuous Service for any reason other than by the Company for Cause or (B) the original expiration date of the Equity Awards. For avoidance of doubt, the provisions of this paragraph supersede and override any conflicting terms set forth in the LTIP or the Applicable Award Agreement. 4. Employee Benefits. During the Employment Term, Executive will be entitled to participate in the employee benefit plans currently and hereafter maintained by the Company of general applicability to other senior executives of the Company and will be entitled to receive such other benefits as are approved by the Board. The Company reserves the right to cancel or change the benefit plans and programs it offers to its employees at any time. Notwithstanding and without limiting the foregoing, during the Employment Term, Executive shall receive an expense allowance of $200 per calendar month for Executive’s cell phone/mobile data plan. 5. Vacation. Executive will be placed on the Company’s Peak Performance Vacation Plan with the timing and duration of specific vacations mutually and reasonably agreed to by Executive and the CEO. 6. Business Expenses. During the Employment Term, the Company will reimburse Executive for reasonable travel, entertainment or other expenses incurred by Executive in the furtherance of or in connection with the performance of Executive’s duties hereunder, in accordance with the Company’s expense reimbursement policy as in effect from time to time. 7. Termination on Death or Disability. (a) Executive’s employment will terminate automatically upon Executive’s death or, upon fourteen (14) days prior written notice from the Company, in the event of Disability. (b) For purposes of this Section 7, “Disability” means that Executive, at the time notice is given, has been unable to substantially perform Executive’s duties under this Agreement for not less than ninety (90) work days within a twelve (12) consecutive month period as a result of Executive’s incapacity due to a physical or mental condition and, if reasonable accommodation is required by law, after any reasonable accommodation. Upon any termination for death or Disability, Executive shall be entitled to: (i) Executive’s Base Salary through the effective date of termination; (ii) a lump sum payment equal to a prorated annual target bonus for the year in which the termination occurs, payable within 30 days of the date of termination; (iii) the right to continue health care benefits under COBRA, at Executive’s cost, to the extent required and available by law; (iv) reimbursement of expenses for which Executive is entitled to be reimbursed pursuant to Section 6 above, but for which Executive has not yet been reimbursed; and (v) no other severance or benefits of any kind, unless required by law or pursuant to any other Company plans or policies, as then in effect. 8. Involuntary Termination for Cause; Resignation without Good Reason. (a) Effectiveness. Notwithstanding any other provision of this Agreement, the Company may terminate Executive’s employment at any time for Cause, and Executive may at

-4- any time voluntarily resign without Good Reason. Termination for Cause shall be effective on the date the Company gives notice to Executive of such termination in accordance with this Agreement unless otherwise agreed by the parties. Resignation by Executive without Good Reason shall be effective on the date Executive gives notice to the Company of such resignation in accordance with this Agreement unless otherwise agreed by the parties. (b) Effect of Termination. In the case of the Company’s termination of Executive’s employment for Cause or Executive’s resignation from employment without Good Reason, Executive shall be entitled to receive: (i) Base Salary through the effective date of the termination; (ii) reimbursement of all expenses for which Executive is entitled to be reimbursed pursuant to Section 6 above, but for which she has not yet been reimbursed; (iii) the right to continue health care benefits under COBRA, at Executive’s cost, to the extent required and available by law; and (iv) no other severance or benefits of any kind, unless required by law or pursuant to any other Company plans or policies, as then in effect. 9. Involuntary Termination Without Cause; Resignation for Good Reason. (a) Effect of Termination. The Company shall be entitled to terminate Executive with or without Cause and Executive shall be entitled to resign with or without Good Reason, in each case at any time, subject to the following: If Executive is terminated by the Company involuntarily without Cause (excluding any termination due to death or Disability) or if Executive resigns with Good Reason, then, subject to the conditions and limitations of Sections 10(c) and 25 below (other than clauses (A) and (C) which shall not be subject to such conditions and limitations), Executive shall be entitled to receive: (A) Base Salary through the date of termination; (B) continuing severance pay at a rate equal to one-hundred percent (100%) of Base Salary (provided that in connection with a Change of Control where Executive’s employment is terminated without Cause by the Company or Executive’s resignation from Executive’s employment for Good Reason during the Protection Period then continuing severance pay shall instead be at a rate equal to one- hundred percent (100%) of Base Salary and one-hundred percent (100%) of the annual target bonus amount for the year of termination and the pro rated annual target bonus amount for the year of termination), in each case as then in effect (less applicable withholding), for a period equal to twelve (12) months commencing from the date of such termination, to be paid periodically in accordance with the Company’s normal payroll practices (the “Severance Payments”); (C) reimbursement of all expenses for which Executive is entitled to be reimbursed pursuant to Section 6 above, but for which she has not yet been reimbursed; (D) the right to continue health care benefits under COBRA at Company’s cost for the first nine (9) months commencing from the date of termination and at Executive’s cost thereafter to the extent required and available by law (provided that in connection with a Change of Control where Executive’s employment is terminated without Cause by the Company or Executive’s resignation from Executive’s employment for Good Reason during the Protection Period then the right to continue health care benefits under COBRA at Company’s cost for the first twelve (12) months commencing from the date of termination and at Executive’s cost thereafter); (E) accelerated vesting of any then outstanding equity awards under all Applicable Award Agreements (to the extent not fully-vested) as and to the extent provided in Section 3(c)(ii) hereof, (F) any earned, but unpaid bonuses owed to the Executive according to the normal payout practices, and (G) no other severance or benefits of any kind, unless required by law or pursuant to any other Company plans or policies, as then in effect. If (1) any plan pursuant to which COBRA benefits are provided is not, or ceases prior to the expiration of the continuation coverage period to be, exempt from the application of Section 409A of the Internal Revenue Code of 1986, as amended (the “Code”) under Treasury Regulation Section 1.409A-1(a)(5), (2) the Company is otherwise unable to continue to cover Executive or Executive’s dependents under its group health plans, or

-5- (3) the Company cannot provide the COBRA benefit without violating applicable law (including, without limitation, Section 2716 of the Public Health Service Act), then, in any such case, an amount equal to each remaining Company COBRA subsidy under clause (B) above shall thereafter be paid to Executive in substantially equal monthly installments over the remaining coverage period. (b) Conditions Precedent. Any severance payments and/or benefits contemplated by Section 9(a) above are conditional on Executive: (i) continuing to comply with the terms of this Agreement and the EPIA, which are incorporated herein by reference; (ii) delivering prior to or contemporaneously with the commencement of any such severance payments, and not revoking, a general release of claims relating to Executive’s employment and/or this Agreement against the Company or its successor, its subsidiaries and their respective directors, officers and stockholders and affirmation of obligations hereunder and under the EPIA in a form acceptable to the Company or its successor that becomes effective and irrevocable within sixty (60) days following the applicable termination of employment; and (iii) in the event of a resignation for Good Reason, providing the CEO with written notice of the acts or omissions constituting the grounds for Good Reason within sixty (60) days of the initial existence of the grounds for Good Reason and a reasonable opportunity for the Company to cure the conditions giving rise to such Good Reason, which shall not be less than thirty (30) days following the date of notice from Executive. If the Company cures the conditions giving rise to such Good Reason within thirty (30) days of the date of such notice, Executive will not be entitled to severance payments and/or benefits contemplated by Section 9(a) above if Executive thereafter resigns from the Company based on such grounds. Unless otherwise required by law, no severance payments and/or benefits under Section 9(a) will be paid and/or provided until after the expiration of any relevant revocation period (according to applicable law). Notwithstanding the foregoing, this Section 9(b) shall not limit Executive’s ability to obtain expense reimbursements under Section 6 or any other compensation or benefits otherwise required by law or in accordance with Company plans or policies, as then in effect. Further, the general release of claims will not require Executive to release her rights under this Agreement, her rights to vested benefits and equity and/or her rights to indemnification and defense. Further, it will not contain additional restrictive covenants that the Executive has not already agreed to. The general release of claims will be provided to Executive on or before her date of termination. (c) Suspension of Severance Payments Based Upon Detrimental Conduct. In addition to the Conditions Precedent in subsection (b), above, the Company’s obligation to provide the Severance Payments shall immediately and permanently cease immediately upon Executive’s engagement in Detrimental Conduct. For purposes of this paragraph, “Detrimental Conduct” shall mean: (i) any violation of the EPIA; (ii) Executive is or becomes a principal, owner, officer, director, stockholder or other equity owner (other than a holder of less than 5% of the outstanding shares or other equity interests of a publicly traded company) of a Competitor (as defined below); or (iii) Executive is or becomes a partner or joint venturer in any business or other enterprise or undertaking with a Competitor. For purposes of this paragraph, “Competitor” shall mean any entity, or other business concern that offers or plans to offer products or services that are competitive in any way with any of the products or services being manufactured, offered, marketed, or are actively developed by the Company or any of its affiliates as of the date Executive’s employment ends; provided, however that it does not include a division or subsidiary of such a business so long as that division or subsidiary does not offer or plan to offer products or services that are competitive with the Company in any way (and provided that Executive does not provide advice or other services to the competing business portion of such business).

-6- 10. Definitions. (a) Cause. For purposes of this Agreement, “Cause” shall mean (i) the Executive’s continued material failure to substantially perform the duties and obligations under this Agreement (for reasons other than death or Disability), which failure, if curable , is not cured within thirty (30) days after receipt of written notice detailing the Cause from the CEO of such failure; (ii) Executive’s failure or refusal to comply with reasonable written policies, standards and regulations established by the CEO from time to time which failure, if curable in the discretion of the CEO, is not cured to the reasonable satisfaction of the CEO within thirty (30) days after receipt of written notice of such failure from the CEO; (iii) any act of personal dishonesty, fraud, embezzlement, misrepresentation, or other unlawful act committed by Executive that results in a substantial gain or personal enrichment of Executive at the expense of the Company; (iv) Executive’s violation of a federal or state law or regulation applicable to the Company’s business, which violation was or is reasonably likely to be materially injurious to the Company’s business, financial condition, good will or reputation; (v) Executive’s violation of, or a plea of nolo contendere or guilty to, a felony under the laws of the United States or any State; or (vi) Executive’s material breach of the terms of this Agreement or the EPIA. (b) Change of Control. For purposes of this Agreement, “Change of Control” shall mean (i) the acquisition of the Company by another entity by means of any transaction or series of related transactions (including, without limitation, any merger, consolidation or other form of reorganization in which outstanding shares of the Company are exchanged for securities or other consideration issued, or caused to be issued, by the acquiring entity or its subsidiary) (each a “Merger Transaction”), unless the Company’s stockholders of record as constituted immediately prior to such Merger Transaction will, immediately after such Merger Transaction, hold at least a majority of the voting power of the surviving or acquiring entity in the same relative proportions, (ii) a sale of all or substantially all of the assets of the Company or the exclusive license of all or substantially all of the Company’s intellectual property by means of any transaction or series of related transactions, or (iii) a liquidation, dissolution or winding up of the Company. (c) Good Reason. For purposes of this Agreement, “Good Reason” shall mean, without Executive’s written consent: (i) a material reduction of the level of Executive’s Base Salary and/or Annual Bonus target amounts (except where there is a general reduction applicable to the management team generally), (ii) a material reduction in Executive’s responsibilities or authority, or scope of duties; or (iii) the requirement that Executive cannot work remotely from her home in the United States. If the Good Reason is a material change in Base Salary, the severance paid will be based on Base Salary prior to the material reduction. 11. Assignment. This Agreement will be binding upon and inure to the benefit of: (a) the heirs, executors and legal representatives of Executive upon Executive’s death, and (b) any successor of the Company. Any such successor of the Company will be deemed substituted for the Company under the terms of this Agreement for all purposes. For this purpose, “successor” means any person, firm, corporation or other business entity which at any time, whether by purchase, merger or otherwise, directly or indirectly acquires all or substantially all of the assets or business of the Company. None of the rights of Executive to receive any form of compensation payable pursuant to this Agreement may be assigned or transferred except by will or the laws of descent and distribution. Any other attempted assignment, transfer, conveyance or other disposition of Executive’s right to compensation or other benefits will be null and void. 12. Notices. All notices, requests, demands and other communications called for under

-7- this Agreement shall be in writing and shall be delivered by email or personally by hand or by courier, mailed by United States first-class mail, postage prepaid, or sent by facsimile directed to the party to be notified at the address or facsimile number indicated for such party on the signature page to this Agreement, or at such other address or facsimile number as such party may designate by ten (10) days’ advance written notice to the other parties hereto. All such notices and other communications shall be deemed given upon email delivery or personal delivery, three (3) days after the date of mailing, or upon confirmation of facsimile transfer. 13. Severability. In the event that any provision of this Agreement becomes or is declared by a court of competent jurisdiction to be illegal, unenforceable or void, this Agreement will continue in full force and effect without said provision. 14. Confidentiality. During the Employment Term and thereafter, unless as required by law or by valid subpoena, Executive agrees to use Executive’s best efforts to maintain in confidence the existence of this Agreement, the contents and terms of this Agreement, including any documents incorporated by reference, the consideration for this Agreement (hereinafter collectively referred to as “Employment Information”); provided that this section shall not prohibit discussions revealing Employment Information to Executive’s family and advisors. Executive agrees to take every reasonable precaution to prevent disclosure of any Employment Information to third parties, and agree that there will be no publicity, directly or indirectly, concerning any Employment Information. 15. Whistleblower Protections and Trade Secrets. Notwithstanding anything to the contrary contained herein, nothing in this Agreement prohibits Executive from reporting possible violations of federal law or regulation to any United States governmental agency or entity in accordance with the provisions of and rules promulgated under Section 21F of the Securities Exchange Act of 1934 or Section 806 of the Sarbanes-Oxley Act of 2002, or any other whistleblower protection provisions of state or federal law or regulation (including the right to receive an award for information provided to any such government agencies). Furthermore, in accordance with 18 U.S.C. § 1833, notwithstanding anything to the contrary in this Agreement: (i) Executive shall not be in breach of this Agreement, and shall not be held criminally or civilly liable under any federal or state trade secret law (x) for the disclosure of a trade secret that is made in confidence to a federal, state, or local government official or to an attorney solely for the purpose of reporting or investigating a suspected violation of law, or (y) for the disclosure of a trade secret that is made in a complaint or other document filed in a lawsuit or other proceeding, if such filing is made under seal; and (ii) if Executive files a lawsuit for retaliation by the Company for reporting a suspected violation of law, Executive may disclose the trade secret to Executive’s attorney, and may use the trade secret information in the court proceeding, if Executive files any document containing the trade secret under seal, and does not disclose the trade secret, except pursuant to court order. 16. Company Matters. (a) Employee Proprietary Information Agreement. Executive acknowledges and agrees that Executive shall be bound and shall abide by the terms of the EPIA, including the provisions governing the non-disclosure of confidential information and restrictive covenants contained therein. (b) Ventures. If, during employment, Executive is engaged in or associated with planning or implementing of any project, program or venture involving the Company and any third

-8- parties, all rights in such project, program or venture shall belong to the Company (or third party, to the extent provided in any agreement between the Company and the third party). Except as formally approved by the Company, Executive shall not be entitled to any interest in such project, program or venture or to any commission, finder’s fee or other compensation in connection therewith other than the salary or other compensation to be paid to Executive as provided in this Agreement. (c) Resignation on Termination. On termination of employment, Executive shall immediately (and with contemporaneous effect) be deemed to resign any directorships, offices or other positions that Executive may hold in the Company or any affiliate, unless otherwise agreed in writing by the parties. (d) Notification of New Employer. In the event that Executive leaves the employ of the Company, Executive grants consent to notification by the Company to Executive’s new employer about the rights and obligations under this Agreement and the EPIA. 17. Arbitration. (a) General. In consideration of Executive’s service to the Company, its promise to arbitrate all employment related disputes and Executive’s receipt of the compensation and other benefits paid to Executive by the Company, at present and in the future, Executive agrees that any and all controversies, claims, or disputes (with the sole exception of those disputes that may arise from the EPIA, which shall be resolved in accordance with the dispute resolution procedures set forth therein) with Company, including any breach of this Agreement, shall be subject to binding arbitration under the arbitration rules set forth by the American Arbitration Association (“AAA”) for the resolution of employment disputes and pursuant to Texas law, which shall be held in Dallas County, Texas. Disputes which Executive agrees to arbitrate, and thereby agrees to waive any right to a trial by jury, include, to the extent permissible by law, any statutory claims under state or federal law, including, but not limited to, claims under Title VII of the Civil Rights Act of 1964, the Americans with Disabilities Act of 1990, the Age Discrimination in Employment Act of 1967, the Older Workers Benefit Protection Act, the Texas Commission on Human Rights Act, claims of harassment, discrimination or wrongful termination and any statutory claims. Executive further understands that this Agreement to arbitrate also applies to any disputes that the Company may have with Executive. (b) Procedure. Any arbitration will be administered by AAA and a neutral arbitrator will be selected in a manner consistent with its National Rules for the Resolution of Employment Disputes (the “Rules”). The arbitration proceedings will allow for discovery according to the Rules. The arbitrator shall have the power to decide any motions brought by any party to the arbitration, including motions for summary judgment and/or adjudication and motions to dismiss and demurrers, prior to any arbitration hearing. The arbitrator shall issue a written decision including findings of fact and conclusions of law on the merits of its award. The arbitrator shall have the power to award any remedies, including attorneys’ fees and costs, available under applicable law. To the extent permitted by law, the Company shall pay the administrative fees associated with the arbitration, except for the first $200.00 in administrative fees for any arbitration that is initiated by Executive, and Company and Executive shall separately pay independent counsel fees and expenses. The arbitrator shall administer and conduct any arbitration in a manner consistent with the Rules. (c) Remedy. Arbitration shall be the sole, exclusive and final remedy for any dispute

-9- (with the sole exception of those disputes that may arise from the EPIA, which shall be resolved in accordance with the dispute resolution procedures set forth therein) between Executive and the Company. Accordingly, except as otherwise provided herein, neither Executive nor the Company will be permitted to pursue court action regarding claims that are subject to arbitration. Notwithstanding, the arbitrator will not have the authority to disregard or refuse to enforce any lawful Company policy, and the arbitrator shall not order or require the Company to adopt a policy not otherwise required by law, which the Company has not adopted. (d) Availability of Equitable Relief. Any party may also petition the court for injunctive or other equitable relief where either party alleges or claims a violation of this Agreement or the EPIA. In the event that either party seeks such relief, no bond shall be required and the prevailing party shall be entitled to recover reasonable costs and attorneys’ fees. Any such relief will be filed in any state or federal court serving Collin County, Texas. (e) EXECUTIVE ACKNOWLEDGES AND UNDERSTANDS THAT THIS ARBITRATION CLAUSE CONSTITUTES A WAIVER OF EXECUTIVE’S RIGHT TO A JURY TRIAL AND RELATES TO THE RESOLUTION OF ALL DISPUTES RELATING TO ALL ASPECTS OF THE EMPLOYER/EMPLOYEE RELATIONSHIP, INCLUDING BUT NOT LIMITED TO, DISCRIMINATION CLAIMS. 18. Integration. This Agreement, together with the EPIA, represents the entire agreement and understanding between the parties as to the subject matter herein and supersedes all prior or contemporaneous agreements whether written or oral regarding the same, including the Offer Letter. No waiver, alteration or modification of any of the provisions of this Agreement will be binding unless in writing and signed by duly authorized representatives of the parties hereto. 19. Tax Withholding. All payments made pursuant to this Agreement will be subject to withholding of applicable taxes. 20. Waiver. No party shall be deemed to have waived any right, power or privilege under this Agreement or any provisions hereof unless such waiver shall have been duly executed in writing and acknowledged by the party to be charged with such waiver. The failure of any party at any time to insist on performance of any of the provisions of this Agreement shall in no way be construed to be a waiver of such provisions, nor in any way to affect the validity of this Agreement or any part hereof. No waiver of any breach of this Agreement shall be held to be a waiver of any other subsequent breach. 21. Governing Law. This Agreement will be governed by the laws of the State of Texas, without regard for conflicts of law provisions. 22. Acknowledgment. Executive acknowledges that Executive has had the opportunity to discuss this matter with and obtain advice from independent counsel, has had sufficient time to, and has carefully read and fully understands all the provisions of this Agreement, and is knowingly and voluntarily entering into this Agreement. 23. Counterparts. This Agreement may be executed in multiple counterparts, each of which shall be deemed to be an original, and all such counterparts shall constitute but one instrument. 24. Effect of Headings. The section and subsection headings contained herein are for convenience only and shall not affect the construction hereof.

-10- 25. Construction of Agreement. This Agreement has been negotiated by the respective parties, and the language shall not be construed for or against either party. 26. Section 409A. (a) Separation from Service. Notwithstanding anything to the contrary in this Agreement, with respect to any amounts payable to Executive under this Agreement in connection with a termination of Executive’s employment that would be considered “non-qualified deferred compensation” under Section 409A of the Code, in no event shall a termination of employment be considered to have occurred under this Agreement unless such termination constitutes Executive’s “separation from service” with the Company as such term is defined in Treasury Regulation Section 1.409A-1(h), and any successor provision thereto (“Separation from Service”). (b) Section 409A Compliance; Payment Delays. (i) Notwithstanding anything to the contrary in this Agreement, to the maximum extent permitted by applicable law, the severance payments payable to Executive pursuant to this Agreement shall be made in reliance upon Treasury Regulation Section 1.409A- 1(b)(9)(iii) (relating to separation pay plans) or Treasury Regulation Section 1.409A-1(b)(4) (relating to short-term deferrals). However, to the extent any such payments are treated as “non- qualified deferred compensation” subject to Section 409A of the Code, and if Executive is deemed at the time of Executive’s Separation from Service to be a “specified employee” for purposes of Section 409A(a)(2)(B)(i) of the Code, then to the extent delayed commencement of any portion of the benefits to which Executive is entitled under this Agreement is required in order to avoid a prohibited payment under Section 409A(a)(2)(B)(i) of the Code, such portion of Executive’s Separation from Service benefits shall not be provided to Executive prior to the earlier of (A) the expiration of the six-month period measured from the date of Executive’s Separation from Service or (B) the date of Executive’s death. Upon the earlier of such dates, all payments deferred pursuant to this Section 25(b)(i) shall be paid in a lump sum to Executive (or Executive’s estate). (ii) The determination of whether Executive is a “specified employee” for purposes of Section 409A(a)(2)(B)(i) of the Code as of the time of Executive’s Separation from Service shall be made by the Company in accordance with the terms of Section 409A of the Code and applicable guidance thereunder (including, without limitation, Treasury Regulation Section 1.409A-1(i) and any successor provision thereto). (iii) Notwithstanding anything to the contrary in this Agreement, with respect to any amounts payable to Executive under this Agreement that would be considered “non- qualified deferred compensation” under Section 409A of the Code and are payable within sixty days following Executive’s termination of employment and conditioned on Executive’s delivery of the general release described in Section 9(b) (the “Release”), payment of such amounts will be measured from Executive’s date of termination, but shall commence on the 60th day following Executive’s date of termination (the “Payment Commencement Date”), provided that on or before the Payment Commencement Date, Executive shall have executed the Release (which form shall be delivered to Executive by the Company within five days following the Termination Date) and the revocation period applicable to the Release shall have expired; and provided further, that the first payment will include an amount equal to all payments that would have been made between the Termination Date and the Payment Commencement Date if such payments had commenced on the Company’s next regularly scheduled payroll date following the Termination Date.

-11- (c) Section 409A; Separate Payments. This Agreement is intended to be written, administered, interpreted and construed in a manner such that no payment or benefits provided under this Agreement become subject to (a) the gross income inclusion set forth within Section 409A(a)(1)(A) of the Code or (b) the interest and additional tax set forth within Section 409A(a)(1)(B) of the Code (collectively, “Section 409A Penalties”), including, where appropriate, the construction of defined terms to have meanings that would not cause the imposition of Section 409A Penalties. To the extent that any provision of this Agreement violates Section 409A of the Code and/or Treasury Regulations issued under Section 409A of the Code, such that amounts would be taxable to Executive prior to payment, the Company and Executive agree to negotiate in good faith to revise or strike such provision (and take any other action reasonably necessary) to preserve the intent hereof to the extent permissible under Section 409A of the Code, Treasury Regulations issued under Section 409A of the Code and applicable guidance issued by the Internal Revenue Service. Notwithstanding anything to the contrary in this Agreement, the Company does not guarantee any particular tax result to Executive relating to amounts payable under this Agreement. For purposes of Section 409A of the Code (including, without limitation, for purposes of Treasury Regulation Section 1.409A-2(b)(2)(iii)), each payment that Executive may be eligible to receive under this Agreement shall be treated as a separate and distinct payment and shall not collectively be treated as a single payment. (d) In-kind Benefits and Reimbursements. Notwithstanding anything to the contrary in this Agreement or in any Company policy with respect to such payments, in-kind benefits and reimbursements provided under this Agreement during any tax year of Executive shall not affect in-kind benefits or reimbursements to be provided in any other tax year of Executive and are not subject to liquidation or exchange for another benefit. Notwithstanding anything to the contrary in this Agreement, reimbursement requests must be timely submitted by Executive and, if timely submitted, reimbursement payments shall be made to Executive as soon as administratively practicable following such submission in accordance with the Company’s policies regarding reimbursements, but in no event later than the last day of Executive’s taxable year following the taxable year in which the expense was incurred. This Section 25(d) shall only apply to in-kind benefits and reimbursements that would result in taxable compensation income to Executive.

ALKAMI TECHNOLOGY, INC. EXECUTIVE EMPLOYMENT AGREEMENT SIGNATURE PAGE IN WITNESS WHEREOF, each of the parties has executed this Executive Employment Agreement as of the day and year first above written. “COMPANY” ALKAMI TECHNOLOGY, INC. By: /s/ Alex Shootman Address: Alkami Technology, Inc. Attention: President & CEO 5601 Granite Parkway, Suite 120 Plano, TX 75024 “EXECUTIVE” By: /s/ Cassandra Hudson Cassandra Hudson Address: 5601 Granite Parkway, Suite 120 Plano, TX 75024

Alkami Technology, Inc. Proprietary Information. Alkami Technology Third Quarter 2025

2 © A lk am i T ec h n o lo gy , I n c. This presentation contains “forward-looking” statements relating to Alkami Technology, Inc.’s strategy, goals, future focus areas, and expected, possible or assumed future results, including its future cash flows and its financial outlook. These forward-looking statements are based on management's beliefs and assumptions and on information currently available to management. Forward-looking statements include all statements that are not historical facts and may be identified by terms such as “expects,” “believes,” “plans,” or similar expressions and the negatives of those terms. These forward-looking statements involve known and unknown risks, uncertainties, and other factors that may cause actual results, performance or achievements to be materially different from any future results, performance or achievements, expressed or implied by the forward-looking statements. Factors that may materially affect such forward-looking statements include: Our limited operating history and history of operating losses; our ability to manage future growth; our ability to attract new clients and retain and expand existing clients’ use of our solutions; the unpredictable and time-consuming nature of our sales cycles; our ability to maintain, protect and enhance our brand; our ability to accurately predict the long-term rate of client subscription renewals or adoption of our solutions; our reliance on third-party software, content and services; our ability to effectively integrate our solutions with other systems used by our clients; intense competition in our industry; any downturn, consolidation or decrease in technology spend in the financial services industry, including as a result of recent closures of certain financial institutions and liquidity concerns at other financial institutions; our ability and the ability of third parties on which we rely to prevent and identify breaches of security measures (including cybersecurity) and resulting disruptions of our systems or operations and unauthorized access to client customer and other data; our ability to successfully integrate acquired companies or businesses; our ability to comply with regulatory and legal requirements and developments; our ability to attract and retain key employees; the political, economic and competitive conditions in the markets and jurisdictions where we operate; our ability to maintain, develop and protect our intellectual property; our ability to respond to evolving technological requirements to develop or acquire new and enhanced products that achieve market acceptance in a timely manner; our ability to estimate our expenses, future revenues, capital requirements, our needs for additional financing and our ability to obtain additional capital and other factors described in the Company’s filings with the Securities and Exchange Commission. We undertake no obligation to update or revise any forward-looking statements, whether as a result of new information, future events or otherwise, except as required by applicable law. The company reports its financial results in accordance with accounting principles generally accepted in the United States of America, or GAAP. However, the company believes that, in order to properly understand its short-term and long-term financial, operational and strategic trends, it may be helpful for investors to exclude certain non-cash or non-recurring items when used as a supplement to financial performance measures in accordance with GAAP. These items result from facts and circumstances that vary in both frequency and impact on continuing operations. These non-GAAP financial measures provide the company with additional means to understand and evaluate the operating results and trends in its ongoing business by eliminating certain non-cash expenses and other items that Alkami believes might otherwise make comparisons of its ongoing business with prior periods more difficult, obscure trends in ongoing operations, reduce management’s ability to make useful forecasts, or obscure the ability to evaluate the effectiveness of certain business strategies and management incentive structures. In addition, the company also believes that investors and financial analysts find this information to be helpful in analyzing the company’s financial and operational performance and comparing this performance to the company’s peers and competitors. Cautionary Statement Regarding Forward-Looking Statements

3 © A lk am i T ec h n o lo gy , I n c. Who We Are • Cloud-based digital banking platform serving U.S. financial institutions What We Do • Empower FIs to grow, drive user engagement and improve operational efficiency • Leverage broad product set enabling retail and commercial banking How We Do It • Powerful, scalable technology stack • Modern architecture, multi-tenant • Continuous integration, delivery and deployment Who We Serve • Community, regional and super-regional FIs Alkami Technology, Inc. We enable FIs to effectively compete with larger, more technologically advanced and well-resourced competitors Financial Institutions Digital Banking Consumer and Commercial Users FinTech Partners

4 © A lk am i T ec h n o lo gy , I n c. Alkami’s Addressable Market: User Characteristics 250M+ digital users, excluding megabanks Total market digital users growing 5-8% historically, driven by: ● Increasing number of accounts per customer ● Ease of new account opening via digital tools ● Demographics, including post-COVID shift to exurban areas, decline in unbanked and underbanked customers Digital user growth historically uncorrelated with contraction in branches or number of FIs Addressable Market = FIs with assets from $100M to $450B, representing 250M+ digital users Legacy Providers include Fiserv, FIS, JKHY, DI and other small or point solutions; Competitor data as of 6/30/25 Sources: SEC filings, NCUA, FDIC, FI Navigator, Cornerstone Advisors and Alkami internal research Legacy Providers: 210M+ Historical User Growth: 5-8% Competitor ~26M Alkami ~21.6M

5 © A lk am i T ec h n o lo gy , I n c. Large, Fast-Growing Addressable Market Approximately $14 billion TAM 250M users represent FIs with assets from $100M and $450B Sources: NCUA, FDIC, FI Navigator, Cornerstone Advisors and Alkami internal research, December 2023 250M digital users x $35 RPU Existing client digital penetration of <80% expected to converge to near 100% Core Platform Fraud Prevention - Acquired in 2020ACH Alert Managed Marketing & AI - Acquired in 2022Segmint Digital Account Opening and Unsecured Loan Origination capabilities expected to accelerate with MANTL acquisition Total Addressable Market • 250M digital users x $58 RPU • Digital users growing 5% to 8% annually • 30+ products today vs. 9 in 2015 Alkami Today MANTL

6 © A lk am i T ec h n o lo gy , I n c. Go-To-Market Cadence We focus on the top 2,500 FIs excluding the megabanks Industry average contract length of 5 years, translates to approximately 500 contracts up for renewal annually 500 Annual Renewals 2,500 Target Clients v 9,000+ FIs Over 9,000 FIs in the United States• Sales team drives outbound lead generation, cross selling and account management • Client success team supports retention and deepens the relationships with our clients Highly targeted annual renewal class allows us to focus sales resources Note: Excludes financial institutions with assets greater than $450B

7 © A lk am i T ec h n o lo gy , I n c. C o n fi d en ti al Alkami Digital Sales & Service Platform Digital Banking Engage users with an intuitive experience that simplifies self service Data & Marketing Leverage data from digital banking and core to target relevant products and services Onboarding & Account Opening Onboard new account holders and/or additional accounts for existing customers or members 50K demographic & psychographic tags and 12 AI predictive models to acquire customers and cross-sell products Awarded “Best Banking App” by Tearsheet in 2024 and the fastest-growing among all banks and credit unions combined Core-agnostic, omnichannel onboarding and account opening that supports virtually all deposit types, segments and roles

8 © A lk am i T ec h n o lo gy , I n c. Multiple Levers Driving Growth ● Clients driven by new logo wins, historically among credit unions with a growing presence among banks ● Registered users grow as we add new logos and as clients add users ● RPU driven by product penetration at initial sale and by add on sales, and is offset by volume discounts as existing clients add users Note: RPU and ARR include subscription and recurring implementation services revenue and MANTL

9 © A lk am i T ec h n o lo gy , I n c. Alkami’s Digital Sales & Service Platform Onboard Engage Grow Guard Sales Service Digital Account Opening Marketing Data Insights Card Experience Customer Service Business Banking Financial Wellness Security & Fraud Protection Money Movement Extensibility Comprehensive digital banking to help FIs manage costs and remain competitive

10 © A lk am i T ec h n o lo gy , I n c. Product Strategy ● Lead with UX ● Deepen integrations with cores & third party systems ● Hyperfocus on Commercial Banking & DAO ● Data Integrity ● Integrating Flux, Segmint and Digital Banking further ● Monetizing data ● Streamlined, trackable and performant APIs ● Enhanced SDK to enable easier customization ● Developer Portal MVP Data Services Platform ServicesDigital Banking The Three Product Pillars

11 © A lk am i T ec h n o lo gy , I n c. MANTL Acquisition Positions Alkami as Premier Digital Banking Provider Expands Market Position Positions Alkami as a leader in digital sales and service platform Unlocks and expands TAM Onboard + Engage + Grow strategy drives competitive advantage Proven ability to leverage acquisitions (ACH Alert, Segmint) Stimulates GTM Strategy Minimal overlap with existing Alkami clients Significant Cross-Sell Opportunity Expected to be accretive to Alkami growth Attractive Financial Profile Commitment to empowering regional & community financial institutions Client as North Star Shared Culture of Innovation

12 © A lk am i T ec h n o lo gy , I n c. Partner Ecosystem Data & Marketing Security & Fraud Billing & Receivables Financial Wellness Card Management Commercial Services MANTL Extends Alkami’s Product and Customer Footprint Sales Channel Retail Account Opening Business Account Opening Customer LOS Business LOS Card Experience Money Movement ● The #1 retail banking platform ● Consumer and business ● Omnichannel account opening ● Accelerated entrance into LOS market Marketing Data Insights SHARED Strength ALKAMI Strength MANTL Strength Service Channel ● The best data and market platform ● Land and expand to grow relationships ● Driving higher attach rates, wallet share ● Enhancing customer stickiness Clients Client Type Banks Credit Unions Consumer / Retail Business / Corporate ● Proven playbook in CU market ● Accelerated push into bank market ● Consumer and business banking needs FinTech Partners Branch Manager

13 © A lk am i T ec h n o lo gy , I n c. Alkami + MANTL | One System Pain Point 2: Disjointed Customer Experience “Customer/member trust and loyalty suffers from re-entering the same information and navigating different systems when managing accounts.” Pain Point 1: Onboarding Friction “Customer/member drop off high due to poor onboarding experience.” Pain Point 3: Limited Growth “Customers/members want to open additional accounts, but they don't want to start from scratch or leave the app.” Solution 2: Unify the Experience ● One UX: Deliver a neobank-like experience with a fully unified user interface - right down to the CSS - designed to elevate the FI’s brand and build customer trust ● One-time-entry: Eliminate duplicate data entry by syncing PII, documents and accounts ● One risk profile: Super-charge fraud prevention by closing the loop between AO and OMB ● One company, one mission: We’re committed to redefining what’s possible—aligning our platform, strategy and roadmap, and investing consistently to bring this shared vision to life Solution 1: Nail the First Impression ● Frictionless registration: New customers automatically registered and logged into OMB experience ● Instant activation: Immediate account use with digital card issuance and seamless integration into digital wallets ● Trust based access: Use KYC data from AO to personalize onboarding; unlock premium packages (e.g., higher ACH, debit, and ATM limits) for trusted users, and limit functionality for higher-risk users Solution 3: Grow Relationships ● Data-driven offers: Boost cross-sell conversion with more personalized, relevant product offers powered by a unified customer data platform ● Quicker Apply: Take over the entire wallet by by letting customers open new accounts directly within the online banking app — no redirects, no friction ● Multiply ideal customers: Reduce acquisition costs by creating highly qualified look-alike audiences using on-demand data from AO, OMB and core systems SSO Integration One System

14 © A lk am i T ec h n o lo gy , I n c. How We Achieve Our Long-term Objectives Market Leadership Maintain Strong Credit Union Position Grow Bank Mindshare and Capabilities Drive Add-On Sales Scale and Continued Cost Discipline Continuous Product and Platform Improvement

Alkami Technology, Inc. Proprietary Information. Financial Overview

16 © A lk am i T ec h n o lo gy , I n c. Q3 2025 Financial Performance $M ● Q3’25 revenue growth of 32% driven by MANTL acquisition, new clients, existing client user growth and ARPU growth ● GM expansion consistent with our plan to increase GM 200-300 bps per year through 2026 ● Adjusted EBITDA expansion driven by continued scale and efficiencies in R&D, S&M and G&A Note: Gross margin % on a non-GAAP basis

17 © A lk am i T ec h n o lo gy , I n c. Operating and Financial Highlights Q3 2025 $449M ARR Subscription Revenue Mix as of 9/30/25 96% Subscription Revenue 12/31/24 113% Net Dollar Retention Remaining Performance Obligation as of 9/30/25 $1.6B RPO Digital Banking Clients 291 Q3 2025 266 Q3 2024 Registered Users 21.6M19.5M Q3 2025Q3 2024 ● Signed 10 new digital banking platform clients in Q3 ● Implemented 13 clients in Q3, bringing digital platform client count to 291 ● 37 new clients in implementation backlog, representing 1.7M digital users ● Exited Q3 with 21.6M registered users, up 2.0M or 11%; drivers include implementations and existing client growth ● Increased ARR 31% to $449M ● Remaining performance obligation reached $1.6B representing 3.6 times live ARR ● 2025 churn less than 1% vs long-term expected annual churn modeled at 2-3%

18 © A lk am i T ec h n o lo gy , I n c. Client Base Expansion 2020 151 177 199 236 37 57 67 89 2021 2022 2023 ARR growth driven by larger new logos and increased product penetration 272 104 2024 Total Digital Banking Platform Clients Clients with ARR > $1M

19 © A lk am i T ec h n o lo gy , I n c. Technology Demand and Product Expansion Drive ARR Cohort ARR Expansion Via User Growth and Cross-Sell Success ARR Expansion Drivers ● Long-term contracts ● Escalating contract minimums ● Gross client retention ● Growth in digital user adoption ● Product cross-sell As of 12/31/24

20 © A lk am i T ec h n o lo gy , I n c. Land and Expand Strategy Drives Same-Client Growth ARR $M at go-live and at 12/31/24

21 © A lk am i T ec h n o lo gy , I n c. Strong Historical Revenue Growth $M

22 © A lk am i T ec h n o lo gy , I n c. Gross Margin Expansion Driven by Scale and Efficiency $M

23 © A lk am i T ec h n o lo gy , I n c. Best-in-Class GTM Efficiency ● Long-term contract structure reduces annual GTM motion ● Alkami models annual client retention of 97% - 98% ● 2026E reflects continued growth in S&M spend related to bank market expansion and increased product depth ● Historical high sales team productivity and GTM efficiency among the best in SaaS ● Continued GTM efficiency driven by cross-sale success and upsell opportunities from user growth among our existing client base

24 © A lk am i T ec h n o lo gy , I n c. Clear Path to Manage Equity Dilution

25 © A lk am i T ec h n o lo gy , I n c. 2025 Financial Guidance ● Full year 2025 revenue guidance of $442.5 million to $444 million and Adj EBITDA guidance of $56.0 million to $57.0 million ● Fourth quarter 2025 revenue guidance of $119.6 million to $121.1 million, and adjusted EBITDA guidance of $16.1 million to $17.1 million ● Revenue growth driven by continued new client expansion, existing user growth and ARPU expansion; Adj EBITDA growth driven by continued scale and efficiencies in operating costs ● Fourth quarter and full-year guidance includes the impact of GCC investment $ millions; 2025E reflects midpoint of management guidance provided October 30, 2025

26 © A lk am i T ec h n o lo gy , I n c. Attractive Long-Term Profile Expect margin improvement through scale, product mix and operational efficiency

27 © A lk am i T ec h n o lo gy , I n c. Selected Historical Data 2021 2022 2023 2024 Q3’25 Digital banking platform clients 177 199 236 272 291 Growth % 12% 19% 15% 9% Digital banking platform users (M) 12.4 14.5 17.5 20.0 21.6 Growth % 18% 20% 14% 11% Live ARR ($M) $ 169.0 $ 226.1 $ 291.0 $ 355.9 $ 449.0 Growth % 34% 29% 22% 31% RPU $ 13.68 $ 15.55 $ 16.63 $ 17.81 $ 20.83 Growth % 14% 7% 7% 19% RPO ($M) $ 652 $ 893 $ 1,140 $ 1,366 $ 1,608 Growth % 37% 28% 20% 25% Notes: Segmint and MANTL acquisitions completed in Q2’22 and Q1’25, respectively, driving one-time increases in RPU Growth % reflects year-over-year growth

28 © A lk am i T ec h n o lo gy , I n c. Non-GAAP Reconciliations ($000s)

29 © A lk am i T ec h n o lo gy , I n c. Non-GAAP Reconciliations ($000s)

30 © A lk am i T ec h n o lo gy , I n c. Non-GAAP Reconciliations ($000s)