TEN Credit Union Selects Bankjoy for Digital Banking Launch Alongside Corelation KeyStone Conversion
Bankjoy, a provider of digital banking solutions for community financial institutions, announced that TEN Credit Union (TENCU), a Nashville-based credit union founded in 1950, has selected Bankjoy as its digital banking platform. The partnership will bring a new digital banking experience to TENCU members as the credit union transitions to Corelation’s KeyStone core banking system.
The coordinated launch is designed to ensure that TENCU members can access the credit union’s new core banking capabilities and digital banking services from day one. By aligning the digital banking implementation with the core conversion, TENCU aims to avoid a separate digital banking transition after the core system goes live.
The selection represents an important step in TENCU’s technology modernization efforts as the credit union continues serving Tennessee educators and the communities connected to them. The implementation will provide members with access to consumer and business digital banking, real-time fraud prevention, advanced card controls, and additional financial management tools.
Coordinated Digital Banking and Core Conversion
Core banking conversions are significant technology projects for financial institutions because they affect the systems supporting member accounts, transactions, and everyday banking services. Coordinating digital banking with a core conversion can help institutions reduce implementation complexity and provide members with a more consistent transition.
TENCU plans to launch Bankjoy on the same day it converts to Corelation’s KeyStone core. This approach will allow the credit union to introduce its new core infrastructure and digital banking platform through a single coordinated implementation.
Rather than converting the core first and scheduling a separate digital banking migration later, TENCU will have its digital banking platform ready to operate with KeyStone from the outset. The strategy is intended to minimize the need for another major digital transition and help members move to the updated banking experience in one coordinated process.
For credit union members, digital banking is a primary channel for checking balances, reviewing transactions, managing accounts, and completing everyday financial activities. Ensuring these capabilities are available when the new core goes live is therefore an important part of the conversion process.
Bankjoy’s integration with Corelation’s KeyStone system is central to the implementation plan. The connection is designed to support digital banking on the new core from day one, allowing TENCU to align its technology infrastructure with the services members use regularly.
Bankjoy Digital Banking to Support Consumer and Business Members
Under the agreement, TENCU members will gain access to Bankjoy’s consumer and business digital banking platforms. These services are intended to support members who manage their personal finances as well as businesses that need convenient access to banking services.
Digital banking platforms allow financial institutions to provide members with access to their accounts beyond traditional branch locations and operating hours. Consumers can use digital channels to manage routine banking activities, while business users benefit from digital access designed to support their financial operations.
For TENCU, introducing consumer and business digital banking alongside the KeyStone conversion will establish a unified technology foundation for its digital services.
The implementation also includes several additional capabilities intended to strengthen security, improve card management, and support members’ financial needs. These features include Bankjoy’s FraudSense fraud prevention platform, advanced card controls integrated with Velera, and access to optional financial wellness and account connectivity tools.
The agreement gives TENCU the ability to introduce these services as part of its broader digital banking strategy. Some features, including JoyCompass and Plaid-powered account verification and aggregation, can be activated after the initial launch.
This phased approach provides flexibility as the credit union implements its new systems and determines the appropriate timing for additional digital banking capabilities.
FraudSense Adds Real-Time Fraud Prevention
Security is an important consideration as financial institutions expand digital banking access and provide members with more ways to manage their money online. TENCU’s new digital banking arrangement includes FraudSense, Bankjoy’s real-time, multilayered fraud prevention platform.
FraudSense is designed to support fraud monitoring and prevention through multiple layers of protection. Its inclusion in the agreement will give TENCU access to Bankjoy’s fraud prevention technology as the credit union transitions to its new digital banking environment.
Financial institutions face ongoing challenges in protecting digital transactions and member accounts. As members increasingly rely on online and mobile channels, banks and credit unions must consider security alongside convenience and accessibility.
Integrating fraud prevention capabilities into the digital banking experience allows institutions to incorporate security into the services members use every day. For TENCU, FraudSense will form part of the technology environment introduced through the Bankjoy partnership.
The fraud prevention platform is included in the initial digital banking arrangement, giving the credit union access to the capability as it implements its new core and digital banking systems.
Advanced Card Controls Through Velera Integration
The Bankjoy implementation will also include advanced card controls through an integration with Velera. These capabilities are intended to give TENCU members additional ways to manage their cards through digital banking.
Card controls have become an important component of digital financial services, enabling cardholders to access card management features through supported digital channels. By integrating these capabilities into its digital banking environment, TENCU can offer members additional tools for managing their payment cards.
The Velera integration will be part of the coordinated launch, aligning card management functionality with the introduction of the new core and digital banking platform.
For credit unions, integrating card services with digital banking can help create a more connected member experience. Rather than relying exclusively on separate channels for different banking activities, members can access supported services through a more integrated digital environment.
TENCU’s implementation combines the Bankjoy digital banking platform with the Velera integration to provide card controls as part of its updated technology offering.
Additional Financial Wellness and Account Connectivity Tools
Beyond the initial launch, TENCU’s agreement includes JoyCompass, Bankjoy’s financial wellness platform, and account verification and aggregation capabilities powered by Plaid.
JoyCompass is designed to support financial wellness by giving members access to tools intended to help them engage with their financial lives. Its inclusion in the agreement creates an opportunity for TENCU to expand its digital banking services beyond routine account access and transaction management.
The agreement also includes Plaid-powered account verification and aggregation. Account verification and aggregation capabilities can support digital financial experiences by helping connect account information and verify financial account details where supported.
These services will not necessarily be activated on the same day as the initial digital banking launch. According to Bankjoy, both JoyCompass and the Plaid-powered capabilities can be enabled after launch.
This flexibility allows TENCU to prioritize the coordinated core and digital banking conversion before introducing additional functionality. The credit union can then determine the timing for activating the optional tools as part of its ongoing digital banking development.
The phased approach also means the initial launch can focus on the essential systems and services required to support members through the core conversion, while additional capabilities remain available for later activation.
Direct Integration With Corelation KeyStone
A central element of the partnership is Bankjoy’s direct connection to Corelation’s KeyStone core banking system through Corelation’s KeyBridge API.
According to Bankjoy, the company was the first fintech to receive certification through Corelation’s vendor certification program. This certification and direct integration are important to the implementation because they allow Bankjoy’s digital banking platform to connect with KeyStone.
For credit unions undertaking core conversions, compatibility between the core system and digital banking platform can influence implementation planning. A digital banking solution must work with the institution’s underlying core infrastructure to support the member-facing services that depend on account and transaction information.
Bankjoy’s direct KeyBridge API connection is intended to support this alignment for TENCU. By connecting to KeyStone, the platform can operate with the credit union’s new core from the first day of the conversion.
This arrangement also helps address the challenge of managing multiple technology transitions. If digital banking were implemented separately after the core conversion, the credit union would need to plan and execute another major change to its member-facing systems.
By coordinating both projects, TENCU intends to bring the core and digital banking environments online together. This approach reduces the need to schedule a second digital conversion after the KeyStone implementation.
TENCU Emphasizes Member Experience During the Transition
Michael Roussel, chief innovation officer at TEN Credit Union, said the credit union views a core conversion as one of the most important projects an institution can undertake. He emphasized that delivering a reliable member experience requires digital banking to be ready when the new core goes live.
Roussel said TENCU members trust the credit union to manage the transition successfully, making digital banking readiness a critical part of the project rather than an issue to address afterward.
He also pointed to Bankjoy’s established compatibility with KeyStone as a factor in the selection. According to Roussel, TENCU expects Bankjoy to serve as a strong technology partner and deliver an effective digital banking experience for members.
The comments highlight the importance of member-facing technology during core modernization. Although a core conversion involves substantial changes to the systems operating behind the scenes, members continue to rely on digital banking for everyday financial activities throughout the transition.
A coordinated implementation is intended to ensure that the new core and the digital services connected to it are prepared to work together when the credit union makes the change.
Bankjoy Highlights Its Experience With KeyStone
Michael Duncan, chief executive officer of Bankjoy, said the company is honored that TENCU selected its digital banking platform for the credit union’s next stage of development.
Duncan noted that TENCU has served Tennessee educators and their communities for more than 75 years. He also emphasized the importance of working with a digital banking provider that already understands the KeyStone core and has experience launching its platform on the system.
According to Duncan, financial institutions moving to KeyStone benefit from a digital banking partner familiar with the core environment and its integration requirements. Bankjoy’s experience with the system is intended to help TENCU coordinate its core conversion with the introduction of its new digital banking platform.
Duncan also highlighted the inclusion of real-time fraud protection and tools designed to help members manage their finances as part of the partnership.
The announcement positions the TENCU implementation as an example of how digital banking providers and core technology vendors can work together to coordinate technology transitions for community financial institutions.
Founded in 1950, TEN Credit Union is based in Nashville, Tennessee, and serves educators and their communities. Its selection of Bankjoy represents a technology investment focused on aligning its core banking infrastructure with its digital banking services.
The planned simultaneous launch of Bankjoy and Corelation KeyStone is intended to provide members with a coordinated transition to the credit union’s updated banking environment. Consumer and business digital banking, FraudSense fraud prevention, and Velera-integrated card controls are included in the launch arrangement.
JoyCompass and Plaid-powered account verification and aggregation provide additional capabilities that TENCU can activate after the initial implementation.
For Bankjoy, the partnership adds TENCU to its work supporting community financial institutions with digital banking technology. Its direct integration with Corelation KeyStone through the KeyBridge API is a key component of the arrangement, helping the credit union bring its core and digital banking platforms online together.
As financial institutions continue modernizing their technology environments, coordinating core systems with digital banking services remains an important implementation consideration. TENCU’s approach places digital banking readiness at the center of its KeyStone conversion, with the goal of providing members with access to the new digital experience from day one.
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