Customer Stories

Corporate One Partners with Xebia to Make Payment Modernization Possible for its Member Credit Unions

Second-tier credit union leverages Software Factory as a Service (SFaaS) to accelerate agile transformation and prepare credit unions for the future of banking

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Corporate One Federal Credit Union—a nonprofit, member-owned financial institution—has supported 750+ U.S. credit unions for over 70 years with wholesale financial services. To stay ahead in a fast-changing digital banking landscape, Corporate One needed to accelerate real-time payments innovation while operating within a lean budget.

By partnering with Xebia, the organization gained flexible, on-demand access to expert developers, QA professionals, and platform specialists through Xebia’s Software Factory as a Service (SFaaS). The result: scalable delivery, cost efficiency, and future-ready infrastructure to support real-time payment transformation—without compromising quality or timelines.

To help credit unions stay relevant amid rising demand for real-time, digital-first financial services.

Why

Corporate One modernized payment infrastructure and launched scalable, innovative member services.

What

By partnering with Xebia and leveraging the OutSystems platform alongside its Software Factory as a Service (SFaaS) model for rapid, cost-effective development.

How

Agile innovation on a budget

To compete with large commercial banks, credit unions must match the pace of digital transformation—despite limited resources. Corporate One, serving as a second-tier financial provider to over 750 credit unions, knew that staying relevant meant enabling real-time payment capabilities.

With shifting member expectations and declining usage of traditional rails like checks, ACH, and wire transfers, Corporate One identified immediate payments as a strategic priority. But building real-time payment infrastructure required specialized development, QA, and testing skills—without overstretching internal teams or budgets.

Xebia’s SFaaS model gave Corporate One flexible access to cross-functional expertise, aligning the right talent with the right timelines. Whether they needed a half-time OutSystems developer or Salesforce expert, Xebia’s model ensured cost-effective agility—allowing the team to scale up or down without waste.

“When it comes to payments, credit union members' expectations are changing quickly. We don't want to spend a lot of time building, and we don't want a technology that's hard to maintain. Because of our relationship with Xebia, we can be sure we'll always have the resources we need to maintain our code, without having to worry about finding scarce, highly-trained talent.”

Prashanta Pradhan

EVP, Chief Information Officer, Corporate One Federal Credit Union


Building a Real-Time Payments Rail for the Future

To help its members stay competitive, Corporate One needed to enable real-time payments via The Clearing House’s RTP network and prepare for future connectivity with FedNow. But doing so required deep domain knowledge, infrastructure integration, and platform development—on a tight budget.

Corporate One selected Xebia after a four-way partner evaluation, impressed by its Software Factory as a Service (SFaaS) model and technical expertise. Xebia’s agile team helped navigate RTP protocols, connect to The Clearing House’s network, and build the underlying infrastructure on Microsoft Azure using Azure Functions.

Xebia also supported integration across multiple third-party systems, developed a secure data orchestration hub, and ensured compliance with rigorous financial-grade standards. With the flexibility to tap part-time specialists as needed, Corporate One balanced costs while accelerating delivery.

Agility and Efficiency Through Right-Sized Teams

Xebia’s flexible engagement model enabled Corporate One to scale resources on demand — freeing up internal teams to focus on strategy while Xebia drove execution. Whether needing a half-time OutSystems developer or a part-time Salesforce expert, the SFaaS model allowed precise, cost-effective allocation without compromising delivery.

This agility supported Corporate One’s broader transformation, including adoption of agile practices and upskilling via Xebia Academy. With technical bottlenecks removed, the organization could now focus on innovation, expanding consulting services and helping member credit unions modernize faster.

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