Cost Containment Through Core Platform Consolidation

Institution Type:Credit Union
Asset Size:$2.0B
Platform User:Chief Operating Officer, Enterprise Technology Group

Key Results

$1.2M
Annual Operational Savings
60%
Fewer Vendor Relationships
35%
Faster Compliance Audits
8 to 1
Platform Consolidation

Their Challenge

Eight separate vendor platforms creating operational chaos.

The credit union was juggling eight separate vendor platforms across its core banking, fraud detection, regulatory compliance, and customer engagement stack. Each contract came with its own SLAs, support model, change process, and technical integration.

The result: $6.8 million in annual spend, countless hours of operational overhead, frequent reconciliation issues, and a compliance posture that required full-time attention across multiple toolsets.

More importantly, each platform treated the customer differently—fragmenting the member experience and forcing staff to work across broken workflows.

Our Solution

Nucleus BankOS unified eight systems into one customer-centric platform.

ADAPFIN deployed a full-system unification strategy with Nucleus BankOS, replacing the entire vendor ecosystem with a single, modular platform designed around member-centric operations.

• Single-Platform Replacement

The credit union migrated all eight vendor systems to Nucleus BankOS. Core operations, fraud analytics, compliance tooling, and omnichannel engagement were now housed in a single, modular platform with one data model, one support contract, and one governance layer.

• Customer-Centric Redesign

Nucleus replaced legacy account-based logic with a customer-first data architecture. That meant fraud detection, compliance reviews, and customer experience orchestration could all be tied to the actual person behind the transaction—not a disjointed series of account IDs.

• Streamlined Operations

By eliminating duplication, maintenance overhead, and third-party escalation pathways, the credit union achieved a 60% reduction in vendor complexity. Audit prep time dropped, reporting cycles were automated, and operational roles were refocused on proactive service improvement.

• Strategic Staff Realignment

Rather than downsizing, internal teams previously bogged down by vendor coordination were reassigned to strategic growth initiatives—including digital onboarding redesigns, journey mapping, and automation projects using Nucleus' embedded workflow engine.

Results

$1.2M

in annual operational savings

60%

fewer vendor relationships, reducing SLA management

35%

faster compliance audit cycles

Redeployed

internal resources toward innovation and member experience

Conclusion

This wasn't just a cost-cutting exercise. It was a shift from complexity to clarity. With ADAPFIN, the credit union transformed from a multi-vendor maze into a single, agile platform built around people—not products.

Nucleus BankOS gave them a unified foundation for every function—built on a customer-specific data model that no legacy core or bolt-on fintech provider could replicate.

The result? Fewer tools, better outcomes, and a team now focused on growth instead of firefighting.

Ready to Consolidate Your Vendor Stack and Cut Costs?

See how Nucleus BankOS can replace multiple vendors with one unified platform, reducing complexity and operational overhead.

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Case Summary