For years, Sercle has supported Credit Unions (CUs) with secure, compliant technology solutions. But as the client base expanded, the architecture that worked for 10 Credit Unions became unwieldy for 50. Each CU required its own separate service instance, creating a scaling challenge that was slowing operations and inflating costs.

The Need

On paper, the setup was straightforward. In reality, it was draining resources.

Each CU had its own copy of the microservice architecture. For DevOps, that meant:

  • Separate deployments and updates for every CU.
  • Manual configuration every time a change was made.
  • Higher costs for infrastructure and maintenance.

The process was repetitive and error-prone. As one engineer put it:

“It felt like we were doing the same job over and over, just in different wrappers.”

Sercle needed to simplify, secure, and future-proof its platform to handle growth without operational drag.

The Solution

The Shift to Multi-Tenancy

Partnering with QBA and Nivo, Sercle moved to a multi-tenant architecture, allowing a single software instance to securely serve multiple Credit Unions.

Key features included:

Single Core Service:

One central service supporting all CUs, with tenant identification embedded in request payloads.

Custom Configuration:

Unique database connections, API keys, and settings for each CU, keeping data isolated and protected.

Enhanced Security:

Azure Front Door, VPN tunnels, and strict network restrictions to ensure only authorised access.

Active Monitoring:

Datadog-powered health checks for VPN and database connectivity.

Smart Authentication:

HMAC256 encryption and role-based access controls for fine-grained security.

The Impact

Faster Onboarding: New Credit Unions could be set up in hours instead of days.

Lower Costs: One instance replaced many, cutting infrastructure expenses.

Streamlined Updates: Centralised deployments reduced complexity and effort.

Stronger Security: Encrypted communication and access controls strengthened protection.

Looking Ahead

Sercle’s experience proves that efficiency and security can go hand-in-hand. The more streamlined the architecture, the better the oversight and control.

This project also underscores the value of collaboration — with thorough documentation, joint validation, and clear acceptance criteria, rollout was smooth and widely adopted.

With the new system in place, Sercle is ready to grow — one core instance powering every new Credit Union that comes on board.

Let’s Talk

Whether you want to digitise workflows, launch a new platform, or modernise existing systems, we are happy to support you.
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