St. Paul's Garda Credit Union
  • Success case
  • FS & Insurance
  • Customer Experience

Oct 02, 2025

Pibank USA: Transforming the Banking Experience in the U.S.

Pibank USA partnered with VASS and Escala 24x7 to launch a 100% digital bank in the United States, delivering an MVP in just six months and providing customers with an agile, secure, and scalable experience.

To bring this ambitious plan to life, Pibank USA partnered with VASS and Escala 24x7 with the goal of launching a 100% digital, agile, and regulation-compliant model.

In 2024, Intercredit Bank, a well-established financial institution based in Miami, launched Pibank USA: a direct banking solution featuring a high-yield savings product with some of the best rates in the market. With no fees, FDIC insurance, and designed for today’s connected consumer.

The project was built on the success achieved in Spain and Colombia, entering one of the most competitive banking markets in the world: the United States.

 

 

St Paul's Garda Credit Union Success Case image

"One of the highlights of this journey was getting our MVP up and running in just six months, thanks to the strong collaboration with our partners, VASS and Escala 24x7.”

María Peuriot, Executive Director, Pibank USA

The challenge

Pibank USA faced a unique challenge: entering the U.S. banking market with a 100% digital, mobile-first proposition that could meet strict local regulations while also delivering the agile and transparent experience customers expect from a fintech.

The complexity was heightened because, in addition to creating a regulation-compliant bank, it was necessary to automate key processes and ensure operational consistency across regions, despite working with different core banking systems in each country.

Watch the client story                                                                  

To bring this ambitious plan to life, Pibank USA partnered with VASS and Escala 24x7 with the goal of launching a 100% digital, agile, and regulation-compliant model.

 

 

St Paul's Garda Credit Union

How did we do it

To bring this ambitious project to life, Pibank USA chose two strategic partners:

  • Escala 24x7 contributed its expertise in cloud infrastructure, automation, and secure deployments on AWS, ensuring scalability and regulatory compliance.
  • VASS designed a flexible architecture with a strategic continuity layer that connects banking systems across different countries. In addition, they implemented Salesforce and Marketing Cloud to personalize the digital experience and maintain agility in every iteration.

Built on this technological and collaborative foundation, the design of the platform and the launch of the MVP were guided by a clear vision: to deliver a digital experience that was intuitive, secure, and fast. From the very beginning, the focus was on:

  • Biometric authentication, to ensure security and trust.
  • Instant connectivity, simplifying customer interactions with the bank.
  • A scalable platform, able to grow without losing simplicity.

 

 

Results

Company

  • A powerful and reliable banking app, ready to meet the demands of a competitive market.
  • Exceeded the customer acquisition goal by 300% in the first year.
  • Greater internal operational efficiency, thanks to automated processes and an agile digital model.
  • More satisfied and confident customers, who value the clarity and transparency of the experience.

 

 

"Working with VASS and Escala 24x7 was absolutely key to making this happen. Both teams understood our vision and became true partners throughout the entire process. The goal was clear: transform the banking experience. And we did it.”

María Peuriot, Executive Director, Pibank USA

 

 

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