Serving 100,000+ customers nationwide, OneUnited is an award-winning CDFI committed to closing the wealth gap through financial literacy and accessible banking.

Icon 1
192-225%

Digital Deposit Growth

Icon 2
50-60%

Lower Implementation Cost

Icon 3
50%

quicker time to go live

Icon 4
100+

prebuilt connectors

Icon 1

33% growth in digital feature adoption

Icon 2

Faster delivery of new capabilities and product enhancements

Icon 3

Improved usability across the mobile and online experience

Image

Client Overview

With branches in Boston, Los Angeles, and Miami—and a rapidly growing digital footprint—OneUnited has long been a pioneer in purpose-driven, technology-forward banking. Its first digital banking service launched in 2005, and today the bank serves most of its customers through its mobile app and online channels, demonstrating how mission-led banking thrives when paired with innovation.

The Opportunity

As a digital-first institution, OneUnited faced a new competitive landscape—not just other community banks, but fintech challengers and financial apps attracting consumers with sleek, intuitive experiences.

To strengthen its position and deepen customer impact, OneUnited envisioned a mobile app that could serve as a true financial wellness companion—one that delivers personalized insights, credit-building tools, and educational resources to help customers save, grow, and thrive financially.

Image

Key Benefits at a Glance

Image

Omni-channel by Design:

One platform across digital, branch, and call center for seamless onboarding

Image

Fast, Cost-Efficient Deployment:

Go live in weeks at up to 60% lower implementation cost than legacy vendors

Image

Modern UX that Converts:

Mobile-first design reduces abandonment and drives higher completion rates

Image

Proven ROI:

192%-225% digital deposit growth and 75% faster branch account openings

Image

The Solution

OneUnited partnered with Candescent to power its next generation of digital banking. With an extensible, API-first platform, Candescent gave the bank fintech-level flexibility, faster development cycles, personalized digital experiences, and the ability to transform its mobile app into a true financial wellness hub—all while maintaining the control and consistency required of a regulated institution.

Its API-first design, developer tools, UI-extension frameworks, and marketplace of pre-integrated fintech solutions gave OneUnited the ability to:

  • Customize digital banking experiences with hundreds of integrated features.

  • Personalize interactions using data-driven insights.

  • Scale operations seamlessly as customer demand grows.

  • Integrate third-party fintech solutions quickly and effectively.

Customize digital banking experiences with hundreds of integrated features.

Scale operations seamlessly as customer demand grows.

Improve customer experience and drive higher conversion rates.

Integrate third-party fintech solutions quickly and effectively.

The Impact

The results speak volumes. Since launching on Candescent's extensible platform, OneUnited has:

Achieved a 33% increase in adoption of digital banking feature

Accelerated the delivery of new capabilities and product updates

Improved app usability, delivering a more seamless, intuitive user experience

Ready to see what’s possible with Candescent?

 Join the growing list of credit unions transforming digital banking with Candescent. Faster launches, happier members, stronger ROI – without the friction.