00 —— Case study · Manx Credit Union · Live in production
The credit union that
runs end to end
on software we built.
The Manx Credit Union serves its members on a platform we built and now operate: loans, savings, treasury, audit, and a member portal, live at mcu.im.
100+
Screens in production
30+
Feature modules
12
Staff & member roles
4
Apps, one platform
01
See the whole thing in three minutes.
Bank statement in, board pack out. The same system MCU runs today, explained end to end.
Prefer a different cut? The full player has 90-second and 40-second edits, plus versions for members, staff and prospective clients.
01 The engagement
One team behind everything the credit union runs.
How a community credit union got modern software without hiring a software department.
The Manx Credit Union is the Isle of Man's community credit union: savings accounts and affordable loans, run by a small team who know their members by name. When MCU decided to invest in better tools for members and staff, they asked us to deliver all of it.
Delivering it meant running the project as well as writing the code. We planned the build, designed each screen with the staff who would use it, shipped working software week after week, moved the member records across, trained every role, and ran the go-live. When the front desk needed something changed, we usually had it live within days.
Today we are MCU's software provider. Members apply for loans and check their balances online; staff work their queues in the staff app. The treasurer reconciles the bank statement in the treasury module, and the credit committee meets every Tuesday inside the same system.
02 The platform
Everything a credit union needs to serve its members.
One codebase behind the member portal, the staff app, and a desktop build for the office.
01 / Members↗
Member portal
Members sign in to apply for a loan, check balances and repayments, read their documents, and keep their details current. No trip to the office needed, and passwordless login means no forgotten passwords either.
02 / Loans↗
The full loan lifecycle
Application, interview, affordability, credit checks, agreement signing, committee decision, payout, repayment, arrears. One system, one history per loan.
03 / Committee↗
Committee decisioning
Weekly sessions with attendance and quorum, structured questions for every case, and every decision recorded with its reasoning.
04 / Cashier↗
Front-desk cashier
Cash deposits and loan repayments taken at the counter. Tills balance at close, and corrections need a second pair of eyes.
05 / Treasury↗
Treasury & accounting
Bank statement imports with automatic payment matching, payout confirmation, benefit payment routing, an expense register, income dashboards, and dividend modelling for the AGM.
06 / Assurance↗
Audit & compliance tooling
Review queues for KYC, due diligence, and payments. Screening inboxes, four-eyes corrections, and an inspection pack the team can generate on demand.
07 / Reporting↗
Reporting & analytics
A catalog of financial, member, and compliance reports, plus a self-serve analytics studio for the questions the catalog doesn't cover.
08 / Staff tools↗
The working day
Role-aware dashboards, staff messaging, a shared calendar synced with Microsoft 365, document signing, and a help centre with guided tours built in.
03 In the product
What staff and members actually see.
Captured from the live build on our staging environment. The names are fictional; the software is not.
04 The delivery
Writing the software was half the job.
Project management, data migration, and training came from the same team that wrote the code.
i / Manage↗
Project management
We ran the plan from kickoff to go-live and demoed working software every week. MCU's team stayed focused on members while the build moved.
ii / Build↗
Development on the fly
Feedback from the counter and the back office went straight into the build. The platform grew around how the team actually works, screen by screen.
iii / Migrate↗
Data onboarding & migration
Member records, loan histories, and documents came across through an import centre we built for the purpose. Every batch was checked and signed off before go-live.
iv / Train↗
Training & handover
We trained every role on its own screens before launch. The platform now carries its own training centre, so new staff learn inside the tool they will use.
05 Under the hood
Boring technology, carefully arranged.
The same stack we run everywhere, tuned for a financial operator.
An Angular front end and a Spring Boot API on PostgreSQL, hosted on AWS. A dedicated authorisation server handles sign-in, trusted devices, and passwordless login, and a gateway keeps tokens out of the browser entirely. Bank statements arrive over open banking, credit checks run through TransUnion, the calendar syncs with Microsoft 365, and loan statuses update live over WebSockets. The same build ships as a signed desktop app for the office machines, and a Playwright suite walks the money paths before anything reaches production.
Angular 19Spring Boot 3.2Java 21PostgreSQLSpring Authorization ServerOAuth2WebSocketsYapily open bankingTransUnionMicrosoft 365ElectronPlaywrightAWS
06 The numbers
For the engineers: the numbers.
Counted straight from the repositories at the July 2026 launch.
870k+
Lines of code
3,700+
Commits
781
API endpoints
281
Database migrations
5,000+
Automated tests
99.98%
Uptime
07 Your build
Tell us how your operation runs.
We'll build the platform it runs on.
A 30-minute call with a senior engineer that goes straight into the technical detail. You'll leave with a point of view on how to ship, whether you hire us or not.
Phone / WhatsApp+44 (0) 762 440 3021
JurisdictionIsle of Man · UK · EU