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Designing and building a suite of modern web apps that connect the core banking platform to member-facing digital and in-branch experiences.

Deseret First Credit Union is a Utah-based community financial institution offering personal and business banking, lending, and savings products to members across the Salt Lake Valley region.
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{ How we made it happen }

Problem

  • Like many credit unions of its scale, DFCU operates Temenos as its core banking platform — a system historically built around branch-connected, desktop-based workflows. As member expectations shifted toward digital-first service and competitive pressure from regional banks and fintech players grew, DFCU needed to translate core banking capabilities — account opening, loan applications, certificate promotions, and loan status tracking — into modern, consumer-ready web experiences. DFCU's internal development team was primarily staffed for maintaining legacy C# applications and lacked the capacity to build and sustain a new application layer in parallel. The organization also had no automated deployment pipeline so every release required manual intervention, and there was no staging environment for the back end, meaning development work went directly to production. These conditions made shipping new consumer features both slow and risky. At the same time, a single Head of Product was carrying both UI/UX design and product management responsibilities simultaneously. DFCU needed a team that could absorb ambiguity, ship consistently, and contribute engineering maturity that the internal team had not yet built — without the cost or time investment of hiring senior Next.js engineers from scratch.

Approach

  • Admios embedded two front-end engineers as DFCU's primary development capacity for its new Next.js application layer. From the start, the team went beyond feature work: one engineer resolved a complex LDAP authentication bug in the initial setup and established DFCU's first automated CI/CD pipeline — GitHub Actions deploying to Linux servers, a practice the organization had not had before. Over the engagement, the team built and shipped a portfolio of applications on top of DFCU's Temenos infrastructure: OIW (Online Individual Web), the primary account opening experience now in its fifth major version; a full online loan application with Plaid-powered funding and Twilio SMS two-factor authentication; OIW In-Branch, a kiosk-adapted account opening flow for physical locations; internal tools for certificate promotion management and server health monitoring; and a consumer loan status tracker currently in development. The team operates with a degree of ownership unusual for an embedded engagement. Engineers hold direct Linux server access, manage Nginx configuration, proactively patched a high-severity Next.js vulnerability before DFCU's own security tooling flagged it, and cleaned up a fragmented Google Analytics setup that had been duplicating events across environments. Standups migrated from synchronous Zoom calls to an async channel format — at the team's suggestion.

Results

  • In under three years, the team shipped five major versions of the primary account opening experience, launched a complete online loan application with integrated identity verification and SMS authentication, built the in-branch account flow, delivered internal tools for certificate promotion management and server health monitoring, and is actively delivering the consumer loan tracker. Collectively, these represent the core of DFCU's consumer-facing digital infrastructure. Beyond the delivered applications, the Admios team has introduced practices that have compounded in value over time. DFCU went from no automated deployment pipeline to a GitHub Actions-based CI/CD workflow that now governs all new application releases. Analytics infrastructure that had been duplicating measurement events across environments was refactored into a clean, environment-aware setup. When a critical vulnerability was disclosed in Next.js, the Admios engineer identified the issue independently, coordinated a fix across all environments, and confirmed resolution before DFCU's internal security tooling had flagged the problem; the kind of ownership that is difficult to buy and harder to teach. The engagement is now approaching three years and continues to expand as DFCU's digital application roadmap grows.

{ Overview }

Industry
Financial Services / Credit Union
Company Size
80K+ members; over $1B in assets
Dev Team Size
2

{ Key Results }

  • Admios introduced automated GitHub Actions-based deployments from the first weeks of the engagement, replacing fully manual releases and establishing the deployment standard now used for all new applications.
  • The team has delivered the primary consumer account opening experience through five major production releases, along with a full online loan application, in-branch flow, certificate promotion manager, and server status monitoring dashboard.
  • When a high-severity Next.js vulnerability was publicly disclosed, the Admios team identified the issue, patched all affected environments, and confirmed resolution independently.
  • The engagement, active since August 2023, is one of Admios's longest-running financial services partnerships, reflecting the trust built through consistent delivery and technical ownership over time.

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