Strategy and Solutions

Zymr engineered a new cloud-native core banking platform hosted on Microsoft Azure. We deployed modular microservices for accounts, lending, risk, and deposits using Spring Boot, and integrated a real-time messaging framework using Apache Kafka. RESTful APIs were built for integration with third-party KYC/AML systems and mobile banking apps. A centralized reporting engine with pre-built CECL and SOX templates was implemented, alongside automated reconciliation and user access governance.

Core Banking Platform Overhaul for a Multi-State Credit Union

About the Client

A mid-sized credit union based in the United States, operating across seven states and serving over 600,000 members. The client aimed to digitize its operations by replacing legacy systems with a modern, scalable core banking platform capable of supporting real-time services and regulatory compliance.

Key Outcomes

Reduced manual operations by 50%

Enabled instant mobile loan approvals for 70% of applicants.

Business Challenges

The credit union relied on a decades-old mainframe core system that lacked API capabilities, delayed transaction processing, and created difficulties in integrating with new mobile platforms. Manual workflows for onboarding, loan origination, and risk assessment limited efficiency. Regulatory audits required manual data compilation, leading to delays and potential inaccuracies.

Business Impacts / Key Results Achieved

The client achieved 24/7 banking capabilities and cut onboarding times by 65%. Compliance audits became fully automated, reducing preparation time by 80%.

Strategy and Solutions

Zymr engineered a new cloud-native core banking platform hosted on Microsoft Azure. We deployed modular microservices for accounts, lending, risk, and deposits using Spring Boot, and integrated a real-time messaging framework using Apache Kafka. RESTful APIs were built for integration with third-party KYC/AML systems and mobile banking apps. A centralized reporting engine with pre-built CECL and SOX templates was implemented, alongside automated reconciliation and user access governance.

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