Challenge

Growing deposits beyond existing markets and personalizing customer offerings post-acquisition—all while constrained by an outdated core.

Solution

PeoplesBank partnered with Nymbus to launch ZYNLO, a digital-only bank built on a sidecar core. This approach allowed the bank to innovate outside the constraints of its legacy system while avoiding the cost and complexity of opening new branches.

• Cost-Effective Innovation: Standing up ZYNLO was significantly more affordable than opening a physical branch.
• Built-in Efficiencies: Nymbus’ integrated services, like call center support and fraud prevention, reduced overhead.

Outcome

The sidecar core became a testing ground for innovation, delivering superior customer experiences and setting the stage for long-term transformation.

“We could see the difference side-by-side,” EVP Aleda DeMaria noted. “Being on it gives us a higher degree of confidence.”

Challenge

South Florida’s small businesses were underserved. Access to funding was slow, and traditional banks weren’t structured to solve their day-to-day challenges, like managing cash flow or securing timely loans. Locality needed a better way to serve these businesses effectively and move at their speed.

Solution

Instead of forcing a legacy system to adapt, Locality Bank started fresh. They partnered with Nymbus to build a bank focused entirely on the needs of local entrepreneurs. The model was simple: deliver what businesses need without delays or unnecessary complexity.

Outcome

• $120 Million in Assets: Achieved in just one year by meeting businesses where they are.
• $70 Million in Loans: Delivered timely funding that kept businesses moving forward.
• 4.4x Lower CAC: Focused efforts brought in the right customers at a fraction of the usual cost.

Challenge

In a competitive landscape dominated by larger regional players, Inspire Credit Union needed to stand out. While their relationship-first approach fostered strong connections, they lacked the digital tools to match. Members wanted the same ease and convenience online as they experienced in person.

Solution

To stay relevant and grow, Inspire partnered with Nymbus to rebuild its foundation. By adopting the Nymbus Core in 2019, Inspire aligned its operations with evolving member needs, ensuring their digital offerings felt as personal and effective as their branch experience.

Outcome

Inspire’s partnership with Nymbus has enabled the credit union to compete effectively with larger institutions by offering best-in-class digital tools, maintain high member satisfaction by pairing human relationships with seamless technology, and lay the groundwork for sustained growth with a scalable, flexible core.

“Our goal is to provide a member experience that’s simple, consistent, and intuitive—wherever they interact with us. The Nymbus partnership allows us to stay ahead without losing what makes Inspire unique.”

Challenge

An established institution with over $665 million in assets that operates multiple branches in southern Florida, PNB was seeking to innovate with a separate digital bank that meets the needs of more consumers who seek their convenience and simplified products and services.

Solution

In partnership with Nymbus, FACILE was rapidly achieved without disruption or cost to PNB’s existing bank infrastructure. Nymbus handles the complete end-to-end requirements as a service, eliminating the need to undergo a conversion or hire additional resources to stand up a customized and competitive digital bank.

Products

• Launch