Ponce Bank
Solution Stack
FSC, MuleSoft, Fiserv, nCino
Business Units
Retail & Commercial Banking
Services
Advisory, Implementation
Timeline
16 weeks
APIs Turned Banking Into a One-Screen Experience
Ponce Bank is a community bank founded in 1960 by Puerto Rican migrants in the Bronx, New York. It’s a certified Minority Depository Institution (MDI) and Community Development Financial Institution (CDFI), meaning it focuses on serving minority communities and investing in low- and moderate-income areas. Ponce Bank provides various financial services, including personal and business banking, and emphasizes community development and homeownership.
Problem
Ponce Bank is a mission-driven community institution working to build generational wealth across underserved neighborhoods in New York. But delivering on that mission was getting harder by the day. Teams were juggling Salesforce, nCino, and Fiserv—none of which talked to each other. Branch staff were forced to swivel between systems, manually re-enter data, and piece together customer stories from memory and spreadsheets.
There was no single source of truth—just lots of toggling, delays, and missed opportunities.
Process
With pressure mounting, Ponce’s Head of Retail Banking partnered with Fortimize to simplify and unify the customer experience from the inside out. Together, they launched a real-time MuleSoft integration layer to sync data across Salesforce, Fiserv Cleartouch, and nCino’s Deposit Account Origination platform.
Fortimize didn’t just “connect the dots”—we built reusable, scalable APIs that let branch staff open accounts, track applications, and identify cross-sell opportunities without leaving Salesforce. Real-time API calls were paired with nightly syncs to ensure accuracy, even when systems didn’t play nice.
Results
Now, every frontline employee at Ponce has what they need—on one screen, in real time. Account opening is smooth. Product insights are instant. Case histories are complete. And branch teams can focus less on re-keying and more on relationships.
The transformation didn’t just modernize tech—it changed the daily rhythm of work. It gave staff the confidence to deliver exceptional service, and gave leadership a model for future integrations to come.
Executive Outcomes | Operational Impact | Technical Shift |
|---|---|---|
Growth without growing headcount
| Reduced toggling between systems | Built scalable, real-time integrations |
Increased cross-sell and retention opportunities | Streamlined account opening and onboarding | Data integrity across platforms |
Impact on Banking Customers
What used to take days now took minutes. Customers felt known, not numbered—and that changed everything. The banking experience became smoother, more human, and more aligned with the mission of community-first service.
