Modernizing Credit Unions for Enhanced Member Experiences

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Legacy systems slow you down. Manual work drains your team. And today’s members expect more, faster.
At Pragma, we partner with credit unions to accelerate change. We streamline operations, reduce costs, and deliver seamless, digital experiences your members deserve, all through customized innovation built for your reality.

Proven at Scale. Check our Success Stories!

Aging Membership

Credit unions’ average member age is 53 vs. U.S. median of 39, pushing urgent shifts in youth engagement strategies.

Manual Bottlenecks

Credit unions lose 20–30% of revenue to inefficiencies, with over 40% of tasks ripe for automation.

Operational Drag

67% of credit unions cite outdated systems as barriers to efficiency, driving demand for core modernization.

Proven at Scale. Check our Success Stories!

Florida Community Bank cut manual tasks by 65% and launched products 40% faster. 

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Nequi – Bancolombia’s Digital Bank: From Zero to 22 Million Users. Innovation, Every Two Weeks. 

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US Mortgage Lender cut Cloud provisioning cycle from 3 weeks to 3 days; borrowers now receive funds in ~3 days. 

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Custom Credit Union & Loan Solutions

Pragma brings almost three decades of banking technology expertise to deliver custom solutions.
From strategy and UX design to cloud engineering and building complex architectures, our nearshore teams streamline Credit Union operations, accelerate time-to-market, and develop outstanding member experiences.

Digital Mortgage Origination Experiences

We build seamless, user-friendly mobile and web apps that enhance every step of the member journey.

AI‑Ready Underwriting Workflows

Our AI solutions automate processes and deliver personalized member experiences to boost efficiency and engagement.

Omnichannel Borrower Journey

We enable smooth transitions across physical and digital channels using Flutter front-ends and scalable APIs.

Core & LOS Integrations

Hands‑on integration services for Fiserv, FIS, Jack Henry, Encompass®, ICE Mortgage Technology, and more.

Compliance & Security Engineering

ISO 27001 & ISO 9001‑certified development practices with automated audit trails and document retention.

Modern Architecture Patterns

Microservices, event streaming, and Kubernetes deployments that scale on AWS, Google Cloud, or on‑prem.

Why Choose Pragma

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Financial DNA

Almost three decades of experience working with financial services companies.

Financial DNA
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Outcome‑Based Engagements

Clear success KPIs and shared accountability.

Outcome‑Based Engagements
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Real‑Time Collaboration

Nearshore pods aligned to U.S. time zones.

Real‑Time Collaboration
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Enterprise‑Grade Partnerships

AWS, Google Cloud, Salesforce, Datadog, and other.

Enterprise‑Grade Partnerships
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Speed to Value

Production‑ready increments every two weeks; 95 % of projects hit MVP within 120 days.

Speed to Value

What is Credit Union and Loans Solutions Outsourcing?

Pragma’s nearshore outsourcing model provides expert teams to develop core banking integrations, digital member services, AI-driven lending solutions, and cybersecurity frameworks tailored for credit unions.

Empower your credit union with tailored technology

Powering Mortgage Solutions with Top tech Partners

Our outcome-driven approach through
the eyes of our clientes

 

Newsroom

Predictive Analytics: The key to Hyper-Personalization in banking
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Predictive Analytics: The key to Hyper-Personalization in banking

Flutter in Banks and Fintech Companies: The Key to Omnichannel Experiences
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Integrations and APIs

Flutter in Banks and Fintech Companies: The Key to Omnichannel Experiences

Data Architecture for Banking: A Guide to Success
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Artificial intelligence

Data Architecture for Banking: A Guide to Success

Your Members Deserve More. We Can Help You Deliver.
Partner with Pragma to craft experiences that build loyalty and drive results.

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