Use Case
Credit Union Modernization
Modernizing legacy systems
The challenge
Credit Unions face mounting pressure to modernize aging infrastructure that cannot support contemporary customer expectations or emerging regulatory requirements. Legacy core processing systems often require extensive customization, limit integration capabilities, and create operational inefficiencies that impact both customer experience and profitability. In our conversations with Credit Unions, we see a common thread – the existing systems are too bespoke, inflexible, and costly to change.
The Kalydos solution
Kalydos enables gradual migration from legacy systems through flexible integration capabilities and proven migration methodologies. Kalydos provides modern core banking and processing functionality that can operate alongside existing systems during transition periods.
Kalydos Glide delivers contemporary customer experiences that can be deployed independently of core system changes. Kalydos Vantage provides comprehensive and flexible lending capabilities that helps institutions introduce new products.
Key benefits
Open and collaborative though our leading contributions to the Apache Fineract(R) project.
Reduced operational costs through automated processes and cloud-native efficiency improvements.
Improved customer satisfaction via modern digital interfaces and faster transaction processing.
Enhanced regulatory compliance through built-in reporting and audit capabilities.
Future-ready architecture that supports continued innovation and adaptation to market changes.
Collaboration at the Core
Credit unions exist to serve members, not maximize shareholder returns—and by building on Apache Fineract(R) we naturally align with that mission. Our roots are in financial inclusion, and as an open-source platform stewarded by a global community, Fineract(R) emphasizes openness, extensibility, and shared stewardship—values that mirror the credit-union model of collaboration and mutual benefit.
That means your institution can adopt modern digital capabilities while retaining control over roadmap decisions, integrations, data, and long-term costs. Just as credit unions pool resources to deliver better outcomes for members, open-source collaboration pools innovation to strengthen security, accelerate improvements, and keep the technology aligned to the needs of the institutions—and communities—it serves.
We’re interested in meeting with CUSOs that are able to bring a shared model to a wide range of innovative CUs and to leading innovative CUs.
“Building on Apache Fineract(R) gives credit unions a modern core built on cooperative principles: transparency, member-first flexibility, and the freedom to innovate without vendor lock-in.”
James Dailey, ASF Fineract Project Management Committee and VP
Learn more
Contact us to get a demonstration of our capabilities and to learn more about operating our solutions at your Credit Union.
