How Upstart & API People cut lending-partner onboarding by over 80%

An inside look at how Upstart, API People, and Workato built a scalable integration architecture across core banking systems — without pulling engineers off product work.

Case Study Spotlight

Learn how to transform rigid legacy technologies — Fiserv, Jack Henry, FIS — into flexible, modern API participants, without draining your developer resources.

Industry

AI lending marketplace

Network

100+ lending partners

Solution

Embedded Workato, built by API People

Onboarding Time

3–6 months → ~4 weeks

Growth bound to your partners’ IT velocity

When you sit at the center of a complex B2B2C financial ecosystem, your growth is tied to your partners’ IT roadmaps. Upstart was adding bank and credit-union partners rapidly — but legacy SFTP file transfers and bespoke scripting meant onboarding a single partner could stall for up to half a year.

By partnering with API People to embed a reusable Workato orchestration layer, Upstart turned notoriously hard-to-connect core infrastructure into straightforward, scalable configurations — and slashed onboarding time by over 80%.

What's inside the full technical blueprint

The Blueprint Architecture

How API People built SDK connectors for Jack Henry Symitar, Fiserv and FIS to turn legacy cores into straightforward integrations.

The 80/20 Framework

How to scale integrations with standard uniformity across banking systems while keeping 20% customization for edge exceptions.

SOX & Security Compliance

Maintaining strict regulatory boundaries across state and national oversight with isolated partner environments and robust logging.

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