Reduced Account Setup Time from
Minutes to Milliseconds

Executive Summary

A leading credit union partnered with Ceto to address significant core system performance issues that were delaying critical authentication and transaction services. Through a focused analysis of system logs, SQL query behavior, and API request flow, the institution gained clear visibility into the technical bottlenecks affecting speed, stability, and scalability.

By optimizing query execution, restructuring transaction workflows, and refining long-term system health checks, Ceto helped reduce API latency from 18 to 20 seconds to under 2 seconds. The engagement improved core system performance, stabilized resource usage, and positioned the institution for stronger operational reliability moving forward.

Challenge

A leading credit union experienced significant performance issues within its core banking system, with critical API requests delayed by as much as 18 to 20 seconds. This latency created operational inefficiencies and risked disrupting member-facing services. Leadership needed a structured approach to identify and resolve underlying system and process bottlenecks.

Approach

Ceto conducted a detailed analysis of core system performance, reviewing API service logs, SQL query execution, and transaction workflows. By identifying inefficient query paths and restructuring API request handling, the engagement addressed both technical and process-level constraints while establishing a more stable and scalable system architecture.

Results

Targeted system optimizations reduced API latency from 18 to 20 seconds to under 2 seconds while improving resource utilization and overall system stability. The core platform is now better equipped to handle increasing transaction volumes without performance degradation.