VYSTAR CREDIT UNION
Technology partners fill capability gaps Credit unions cannot build everything themselves. Rather than build every capability in-house, VyStar works with strategic partners who bring specialised expertise, allowing it to stay focused on members while accelerating innovation
One example is CapTech, which handles systems integration and strategic development for VyStar. CapTech covers hands-on technical work and higherlevel planning, helping the credit union align technology with business goals while meeting regulatory requirements.
“ CapTech provides a wide range of support, that can be everything from helping to directly integrate to enhancing the systems that we have,” Stephen says.“ They can get their hands on infrastructure and code, support our existing employee base and help us drive forward any number of initiatives.”
CapTech also advises on strategy, helping VyStar think through technology decisions within broader business contexts: guidance which becomes valuable when evaluating emerging technologies that carry both opportunities and risks.
“ They can also pull up a level and help us with a strategy,” Stephen says.“ We set a digital strategy, a digital vision that aligns with the company vision.”
MX Technologies tackles a different problem: making mobile banking clearer to understand. The company’ s tools clean up transaction descriptions and provide spending insights. Instead of
seeing cryptic codes after swiping a card, members get clear information about where they spent money.
“ If you’ ve ever swiped your credit card or debit card at a gas station, and look in your mobile banking app, you might see some kind of combination of letters and numbers that you know this is probably the charge from the gas station, but you can’ t quite tell what it is,” Stephen says.” MX takes that noise and translates it into something meaningful, so members immediately recognise the charge.”
Beyond cleaning up data, MX analyses transaction data to help members understand spending patterns
120 October 2025