Author Archives: John Demke

ESP Partners with Tyfone

Spokane Valley, WA – 08/19/2019 – Enhanced Software Products, Inc. (ESP) partners with Tyfone Inc. to provide another option for home and mobile banking to clients.

Tyfone was the brainchild of its three founders: CEO, Dr. Siva G. Narenda; COO, Prabhakar Tadepalli; and chairman, Tom Spitzer. They started Tyfone with the goal of solving a major problem – the balancing of convenience and security in an ever-increasingly digital world. 15 years ago they thought the issue of internet security was incredibly important, and as we all know, it is actually gotten worse today.

Fundamentally, the process of onboarding and authenticating a digital user is not a trivial task – especially without compromising user experience. Digital security is not just a talking point for Tyfone, but an important element of their corporate culture and is built into their Digital Banking product.

Traditionally, the solution to this problem has been to sacrifice convenience for the sake of security. Systems were operated totally on “lockdown” which provided a high level of security but became a pain for actual users to prove their identity. Through its work in the federal government sector, Tyfone has come up with a solution that provides both a high level of security and user access.

Tyfone is genuinely concerned with how the products they create can serve the lives of everyday people. Modern digital banking users are goal-driven, they want to perform specific tasks with their applications and devices, to be done, and move on to the next item on their list. They demand access anytime and anywhere. Josh DeTar, Tyfone’s head of sales and marketing stated: “customers want a beautiful, clean, seamless experience where they can get what they’re looking for and to accomplish their goals.”

At its core, Tyfone believes that a strong collaborative relationship between the technology provider and the credit union is paramount in delivering service that makes sense for that specific credit union and its members. “Everyone builds features, not everyone builds relationships” added DeTar.

Tyfone found their corporate culture of service dovetailed nicely with the culture of credit unions. Through their conversations with numerous credit unions, Tyfone learned the importance of making their application interfaces follow a predictable, logical and easy-to-use workflow. A well-built financial services app empowers users to better manage their money and make better budgetary decisions. With User Experience (UX) as the driver of design, Tyfone seeks to serve their client’s members with solutions that help them achieve their goals. To their credit, Tyfone is currently working with two of the top 10 credit unions in the country to build their digital banking solution.

“Our applications are built for members to quickly identify how to accomplish the tasks that they set out to do. They should be able to easily log in and navigate the app because it feels familiar to all the other cutting-edge tech that they use every day.”

– Josh Detar

One aspect that Tyfone has programmed for is variability in human interaction with their applications. Since every user has a unique perspective on the way things should be done, Tyfone provides different ways of performing the same task. The key is to provide a framework of contextually relevant interactions. For instance, providing the functionality to make a loan payment from the loan balance screen will increase the usefulness and minimize the amount of time needed to complete a task. This same UX design mindset is throughout its digital banking solution.

Tyfone is excited to be partnering with ESP. Sharing a similar passion for providing exceptional customer service the common ground for their mutual admiration.

“At the end of the day, ESP is all about taking care of their customers. I can tell every single person that has dealt with ESP just 30 seconds into the conversation because of their positive interaction with them.”

– Josh Detar

Twyla Morales, “Duchess” of Deployment at ESP, has been a part of the team responsible for implementing the partnership with Tyfone. She was impressed by the strengths of Tyfone’s platform and commitment to customer service.

“Our partnership with Tyfone brings many opportunities for ESP and our clients! They provide a wealth of knowledge in the tech industry, as well as the financial services industry. Tyfone is a definite asset to our portfolio of trusted vendors.”

– Twyla Morales

Several of ESP’s customers are expected to be on Tyfone’s Digital Banking platform by first quarter of 2020.

GWUCUI Signs with ESP

Spokane Valley, WA – 07/30/2019 – George Washington University Credit Union Initiative (GWUCUI), Washington, DC, selects Enhanced Software Products as their core processing vendor.

Sahil Pankhaniya, Founder and CEO of GWUCUI, contemplated starting a credit union while touring colleges. He noticed several institutions he visited had student-run credit unions but his college of choice, George Washington University (GWU), did not.

“I thought it would be really cool not only to learn about this space but to also have a real meaningful impact on college students. There were a number of deficiencies especially in financial literacy education and financial planning. When I started talking to people the first few months of school freshman year, they all kind of echoed those same sentiments and so, decided that it would be a great opportunity to get one started.”

Sahil Pankhaniya – GWUCUI CEO

GWU is a private university chartered in 1821 and is located in Washington, DC – just a few blocks from the White House. Its three campuses: Foggy Bottom Campus, the Mount Vernon Campus, and the Virginia Science & Technology Campus serve roughly 27,000 students. The list of notable alumni is a who’s who of the worlds influential and powerful including Heads of State, U.S. Cabinet positions, Governors, U.S. Senators and Congressmen, media and sports personalities, and titans of industry.

With this history, influence, and illustrious alumni, GWU started a New Venture Competition in 2009 to provide a valuable real-world entrepreneurship opportunity to its students. Pankhaniya and his team including fellow students Chris Trummer and Allen Wang entered the competition with his student credit union concept. For their effort, their submission garnered $5,000 in seed money and over $15,000 in non-cash support. Over $319,000 in total prizes were awarded in the 2018 competition.

Pankhaniya found the key to a successful initiative to charter a student-run credit union was the recruitment of talented and dedicated staff. To get the concept off the ground, Pankhaniya looked at a number of other successful student-run credit unions to find out what they are doing to ensure a steady recruiting pipeline. For instance, he found Georgetown University Alumni & Student Federal Credit Union which has been around since the ’80s and they have been able to sustain themselves because they have really became rooted in the fiber of their school, including their business and consulting programs.

“Right off the bat, we began marketing GWUCUI as an internship opportunity for business and finance majors to learn and grow. This coming year we’re looking at 40 applications in our pipeline for the Fall.

Sahil Pankhaniya – GWUCUI CEO I CEO

Through this effort, they brought on some very talented freshmen last year. They expect that as students learn about GWUCUI’s mission and impact on the GWU community, they will be able to charter a credit union by May 1st, 2020 that will continue well into the future.

A major focus for GWUCUI in the coming year will be to create an effective hiring system so that they will have staff ready to provide phone support at their office space any given time. In addition to dedicated office staff, they will provide a backup level of customer support. Dubbed “Mobile Support Technicians”, these on-call customer support staff will aid members via phone whenever they have free time.

One thing that is unique about this project is the incredibly low overhead. Because the credit union will be completely digital, Pankhaniya states there won’t be any fixed costs. All staffing at GWUCUI will be on a volunteer basis so their only potential costs are persistent. Plus, working with ESP and other vendors, they are going to come out having very little cost of operation at all for the first three to five years.

In June 2019 ESP, Inc. was chosen to be an integral part of the start and growth of GWUCUI. FORZA, ESP’s core platform, is a perfect fit for a staff that needs an easy-to-use interface. It provides the necessary vendor integration, database access, and security to facilitate a truly digital credit union. “After a good, open conversation about each other’s futures, both parties were able to come to an agreement”, stated ESP’s President Shaun Murray.

“Matt Lefler (ESP Vice President) and I flew to George Washington University in June, to meet with Sahil Pankhaniya and Christian Trummer;; we were blown away by their understanding and commitment to the credit union movement and financial literacy. I decided at that moment, at that dinner, that we would do everything in our power to be a part of The Initiative.

Shaun Murray – ESP President

Mr. Pankhaniya and his Team took a new approach to choose a core processor – they looked to the digital banking provider first. ESP was lucky to be a part of the conversation because of its close partnership with Tyfone, the chosen digital banking provider for GWUCUI.

“We earned the nod because of our commitment to offering solutions in-house and our drive to ensure credit unions can partner with the vendors that will take them into the future. This is very exciting for us,”

Shaun Murray – ESP President

In all, college-aged young adults are going to bring a new approach to the way ESP looks at projects, makes some decisions, and is pushed to change to adapt to the next generation. Everyone at ESP is elated to work with such a great group of future financial leaders.  

Traditionally, credit unions generate income primarily by servicing home and car loans. For GWUCUI, those two means of income won’t occur – at least until after graduation. Still, they have identified a couple of very unique products that are specially tailored to GWU students: a credit building program, textbook loans, and internship loans.

The credit building program GWUCUI seeks to create will essentially be small personal loans provided to students to help build their credit score. Textbook and internship loans will perform like cash advances against on-campus jobs and paid internships, further building students’ credit. They will also offer savings and checking accounts with credit/debit cards.

The key to their digital experience will be their mobile banking platform, Tyfone. All of their products and services will be offered through their app. GWUCUI want to make it very easy for members to go online and apply for a loan. The application will come into the credit committee digitally where they will review the risk analysis, approve it, then send it off to underwriting.

“The mobile platform we have chosen, Tyfone, is state-of-the-art. It offers top-level security features and has a very lightweight interface for students to work with. We think it’s really going to be that well-rounded, greatest-degree experience for students. They’ll get all of their tailored and targeted products right on a clean 21st-century platform.”

Sahil Pankhaniya – GWUCUI CEO

True to the credit union philosophy of “people helping people”, GWUCUI seeks to help its student members by providing financial literacy. They are working hard to fill the gap students face in their personal monetary education. A significant metric of their success will be credit scores. With a target on financial literacy, GWUCUI will look at members who are part of their credit building program and observe how their credit scores are developed over the long term and compare them to the rest of the market. Their goal is to help GWU students develop their credit in a safe and secure manner.

As they build their deposit base, GWUCUI will then be able to offer home loans and auto loans to their alumni. But now their core focus is the undergraduate population and their unique needs.

We’re starting out by focusing on undergraduate students. As those undergraduate students graduate, we hope they’ll continue their membership with the credit union. By building up a strong, consistent base of alumni members, we will be able to maintain our credit union, moving forward.

Christian Trummer – GWUCUI CTO

Being a truly digital credit union will empower GWUCUI members to continue to connect with the university culture virtually anywhere. With a strong ATM network and shared branching, it will have the products and services to retain membership.

That’s one of the cool things about our model. A GWU student could move halfway across the world and could still access our services. They can still access to every single service wherever they are on the globe just like they could when they were just 10 minutes away from us living on campus.

Sahil Pankhaniya – GWUCUI CEO

A vital piece to the success of this initiative is the acceptance and support they have received from its vendors including ESP.

We salute all those who are trying to make a difference in the credit union industry, founded to be safe havens for people to save, to build credit, and to responsibly spend.

Sahil Pankhaniya – GWUCUI CEO

In all, GWUCUI believes the more student-run credit unions there are the better it is for the students and the better it is for the industry.  To get involved with or donate to the initiative, please visit

CU CEO Taught Herself Coding

Spokane Valley, WA – 6/07/2019 – Jami Olcott, President and CEO of Marathon County Employees Credit Union (MCECU), had to teach herself how to code out of necessity – but not because of ESP.

MCECU is located in Wausau, WI and serves 2,600 members. Membership is available to employees, retirees, and their families of federal, state and local governments and various public entities of Marathon County.

With undergraduate degrees in Business and Accounting and an MBA, Olcott was well-prepared for the workings of the credit union industry. She spent thirteen years in a multi-billion dollar credit union as a financial analyst. The credit union’s core was very highly regarded and could do a lot of things, but with many employees and requests, not everything could be a high priority.

“If there was something I needed to know from our data, I either had to write the report myself or wait for IT to do it for me. That’s why I taught myself to code.”

Jami Olcott

When Olcott arrived at MCECU twenty months ago, they had been an ESP client for six years. She had assumed that the process of compiling information and data to complete a project, then coding a custom report was the standard operating procedure for all cores until she was introduced to FORZA.

“If I need something, it’s really phenomenal to have the ability to call ESP and have a Client Services representative start working on it immediately.”

Jami Olcott

For instance, Olcott needed a report on how members were receiving their monthly statements, either by mail or electronically. FORZA has over 625 reports available instantly but in this case, a pre-built report did not exist. So, she called ESP and made a request. The report landed back on her desk by the end of the day, not in weeks like her previous core.

Olcott stated that she was “floored” by what she has seen from ESP. Plus, the learning curve she was expecting with FORZA was measured in days, not in months.

“I have nothing but positive things to say about ESP. With very little training I was up and running on the platform.”

Jami Olcott

ESP is proud to have Marathon County Employees Credit Union as a client and is happy to be able to provide a high level of customer service they deserve.

Many Happy Returns Concludes


Spokane Valley, WA – 02/06/2019 –  ESP’s program for End-Of-Year tax documentation has concluded for the year. All in all, it was our most successful year ever.

Over the course of about three weeks, ESP Printing Services produced 45,000 tax mailings all while performing other regular print jobs such as Notice Printing and monthly statements.

In order to provide more timely completion of Many Happy Returns, ESP Print Services implemented a new program. By creating a sign-off calendar, ESP guaranteed a specific delivery date if the credit union completed their part of the process by a given date. It was incredibly successful with 100% of all deadlines met by ESP.

Brandon Frisch, Print Services Manager, stated his goal this year was to sew up a few previous issues, improve quality and to manage expectations on the part of clients and ESP.

“If you signed off by a certain date we guaranteed that the tax documents would be delivered by a specific date.”

– Brandon Frisch

Next year, Print Services will implement a few small changes to further improve the process and ensure guaranteed delivery dates.

Success: Audio Banking Migration


Spokane Valley, WA – 02/04/2019 – ESP, Inc. has now successfully ported all of the Tropo-based audio banking clients to the new Twilio-based solution. When CISCO announced at the end of 2018 that they were sunsetting the Tropo product line, we knew many of your credit union members depend upon phone banking; we had to find a solution. Our talented development team got to work immediately to find a solution that could continue the audio response solution without interuption.

When this project started, our team knew it would need to be successful on the first try with building a solution, whilst having no previous exposure to the new platform. After conducting extensive research on several possible platforms, we settled on a vendor that was technologically advanced and offered us a high degree of responsiveness.

Twyla Morales, Product Deployment Specialist at ESP, was the project manager of the hosted audio migration. In order to ensure a smooth transition with all 27 credit unions, she decided to conduct the migration in three phases in order to provide focused customer service to each client. Part of her job consisted of porting phone numbers from the existing vendor to the new vendor in a very specific time period.

This new vendor allows ESP an unprecedented level and access and control over the application. This gives us the ability to quick respond to and address issues as they arise, without relying on a third-party for implementation.

“We’re more educated into how the process works. Our previous vendor was more of a hands-off situation. They did all the work, while we awaited their changes on their timetable. With our new vendor, we are much more in control of the process which equates to enabling us to be more responsive to our credit unions.”

– Twyla Morales

Another key member of the migration team was George Saprito, a developer here at ESP. George was tasked with providing a seamless user experience for our Audio Banking users. Using the existing solution as a template, he coded the new solution to be totally familiar to those members that rely on phone banking. Start to finish the project took four months.

From the discovery phase and primary development through four rounds of exhaustive internal testing, our team did it all in-house. At the start of this project, ESP Development had zero experience coding on the new platform, but George was quickly up to speed. He noted the soundness of this new system.

“This new platform offers us a new level of stability. Plus, there’s a new set of features that we can tap into the future. It will easily allow us to program new features including multi-lingual capability.

– George Saprito

Another key part of this process will include a feedback survey. We want to know how well we did and how we can improve on this process in the future.

“We understand that third-party service changes are part of life in the modern era of acquisitions and mergers. There is always a chance that a company like Tropo, in this example, will get bought by a big company like CISCO. Tropo had a great product and was an upstart in the industry, so it wasn’t really a surprise when we got the notification. I am thrilled with our team, how they came together with a solid replacement for the Tropo service, created a plan that ensured no member impact, and delivered the seamless replacement on-time to our Client base.

– Matt Lefler

In all, the process, planning, coding, testing and porting a new solution in such a short span of time is remarkable. We are looking to this process as a standard for our development in the future.


Szabo New Conversion Coordinator


Spokane Valley, WA – 02/04/2019 – ESP taps Lexi Szabo as new Conversion Coordinator.

She started as a receptionist in the Summer of 2015. After being promoted to Client Services Representative, her ethic of high-level customer service garnered her three ESP Employee of the Year recognition awards.

Lexi Szabo, Conversion Coordinator

Lexi will be managing core conversions from beginning to end. A big part of her new position will be the coordination of communication between the client, their vendors and ESP. This ensures that all parties are on the same page and are in agreement for the portions of conversion they are responsible for.

“My intention is to continue refining what we’ve done in the past and make the process seamless for our new clients – making every step of the way clearly defined for everybody involved.”

– Lexi Szabo

True to form, Lexi immediately began the process of a core conversion upon her promotion. She’s currently working on a conversion that will develop her skills in project management, communication, and team building.

According to her manager, Shelly Rogers, her attention to detail, extensive client knowledge, her grasp of FORZA, and her tenacity are some of the qualities that garnered this promotion.

“She will undoubtedly provide outstanding customer service to our current clients and converting clients.”

– Shelly Rogers


2018 Employee Awards

(L to R) Rob Murray; Shaquille Worthy, Encouraging Word Award; Lexi Szabo, Employee of the Year; Shaun Murray; Alexander Ray, Outside the Box Thinker Award; Matt Lefler, Calm in the Eye of the Storm Award; Kelly Salvino, The Risk Taker Award

ESP was proud to honor some special employees at the annual holiday party. Winners were voted on by fellow employees for their excellence in customer service and teamwork. 

These outstanding honorees had stiff competition from their ESP co-workers. In several instances, only a few votes separated the winner from the first runner-up. Many employees were nominated in each of the five categories. ESP is proud of all its employees and having such a tight race is recognition of how well the entire staff is striving to perform their jobs throughout the year.

Winners were recognized from several departments including Client Services, Programming and Technical Support. They included Shaquille Worthy, Alexander Ray, Kellie Salvino, and Matt Lefler. Lexi Szabo pulled a hat-trick with her third win, in as many years, of Employee of the Year.

If you wonder how ESP is able to maintain such a high level of customer service, it is because of our stellar employees. Next year the voting will undoubtedly be close again as our staff strives for a higher standard of service.

Nordstrom FCU Chooses ESP


Nordstrom FCU Chooses ESP

Spokane Valley, WA – 11/26/2018 – Nordstrom Federal Credit Union (FCU) located in Seattle, WA has chosen Enhanced Software Products, Inc. to be their core processing service provider.

Nordstrom FCU is member-owned and has been serving Nordstrom store employees since 1936. They are dedicated to providing superior service and financial products. Their members enjoy perks such as custom-tailored loan terms, competitive dividend rates, and convenient online banking services.

Shelli Millhuff, President and CEO of Nordstrom FCU, began her search for a core processor that would bring her credit union into the 21st Century. She required a system that was relevant and could help meet member needs with better technology and increased customer service.

Among Millhuff’s goals were: ease of use for both employees and members; quality service delivered in a timely manner; and the ability to integrate third-party vendors including MeridianLink and Kasasa. ESP’s FORZA3™ core processing platform fit the bill.

On the week of conversion, the team from ESP was onsite and had all of the necessary documents and processes needed to validate prior to flipping the conversion switch.

“The Conversion Team was fantastic! They were very organized and walked us through exactly what was going to happen. Once we flipped the switch, they were there holding our hands, communicating with our previous core. The next morning they were there bright and early validating that all the data had came over and had us up and running within 24 hours.” – S. Millhuff

Developing a strong business relationship with their core vendor became the tipping point in Nordstrom FCU’s decision to convert. With their previous core, Nordstrom FCU felt like they were being overlooked because of their size. They felt support became increasingly more difficult to obtain.

“ESP is exactly what this credit union needed – from the beginning of the conversation through conversion and then after going fully online.  The service you get from ESP is phenomenal. It absolutely proved we made the right decision. – S. Millhuff

Lacking IT staff was no longer an issue as Nordstrom found value in the immediate answers provided by ESP’s staff. 24/7/365 access to trained support gave them the flexibility and confidence to convert with their current staffing levels. 


About ESP, Inc.

ESP, Inc. is a provider of customer-centered core processing and technology solutions strictly for credit unions. Our solutions are designed to accomplish three main goals – to grow your credit union, to make your staff more efficient, and to empower your members. We accomplish this through our powerful FORZA3™ core processing software. Learn more at

Press Contact

John Demke
Marketing Guru

ESP to Deploy Redgate Software

Spokane Valley, WA – 03/28/2018 – Enhanced Software Products, Inc. (ESP) will deploy Redgate database management software to increase development efficiency.

Red Gate Software Ltd touts itself as “the leading provider of software for professionals working on the Microsoft data platform.”

ESP is currently implementing two Redgate modules: SQL Compare and SQL Doc.

SQL Compare allows developers to push database differences between separate databases and update them. This permits ESP programmers to quickly compare existing and future updates and find and correct errors that may occur, saving valuable time and prevent the repetition of tasks.

SQL Doc is software that enables programmers to add documentation at the field and object levels. In the future, new members of ESP’s Development team will be able to quickly get up to speed on the functionality of database entries and start coding. As this tool is more fully utilized in creating a “data dictionary“, the steep learning curve that exists will become non-existent.

Sean Hibbler, the Senior FORZA Developer at ESP, states that these software modules will “simply let us do our jobs better and with greater efficiency.”

ESP clients will be seeing the effects of this software in subsequent updates of FORZA.

About ESP, Inc.

ESP, Inc. is a provider of customer-centered core processing and technology solutions strictly for credit unions. Our solutions are designed to accomplish three main goals – to grow your credit union, to make your staff more efficient, and to empower your members. We accomplish this through our powerful FORZA3™ core processing software. Learn more at


If you would like more information on this topic please call John Demke at 800-456-5750, or email at

Three CUs Renew With ESP


Three CUs Renew With ESP

Spokane Valley, WA – 07/24/2017 – ESP is proud to announce that three credit unions have agreed to renew their core processing contracts already this year. Rockford Bell Credit Union, Toledo Postal Employees Credit Union, and Cottonwood Community Federal Credit Union have chosen to continue serving their members on the FORZA3™ platform.

Rockford Bell Credit Union of Loves Park, IL was organized in 1935 by employees of Illinois Bell Telephone Company. They prospered for many years with their commitment to community support. In the 1980s, after the breakup of Bell Telephone, Rockford Bell Credit Union began to accept other employee groups.

With assets of $30,000,000 and over 4,300 members, Rockford Bell CU serves eight counties in northwestern Illinois and over thirty-five different employee groups. They operate two full-time locations at Loves Park and Mt. Morris. ESP, Inc. has been providing core processing services since 2004.

Toledo Postal Employees Credit Union was formed in 1932, strictly for postal employees living in Toledo, OH. In subsequent years, the credit union was opened to all classified postal employees in zip codes surrounding Toledo and later to include family members.

1,100 members currently access their single branch inside the Toledo Post Office. They have been a client of ESP since 1996.

Cottonwood Community Federal Credit Union Cottonwood, ID was organized in 1942 so that the community could save together and provide low-cost loans to credit union members. They now serve all of Idaho and Lewis Counties providing service to low-income areas and people without adequate access to credit union services.

The credit union consists of 4,600 members with $78,000,000 in assets. Members receive service at three branch locations in the West Central portion of the state. They have been a client of ESP since 2012.

ESP is honored by these credit union’s continued partnership and will serve them long into the future.

About ESP, Inc.

ESP, Inc. is a provider of customer-centered core processing and technology solutions strictly for credit unions. Our solutions are designed to accomplish three main goals – to grow your credit union, to make your staff more efficient, and to empower your members. We accomplish this through our powerful FORZA3™ core processing software. Learn more at

Press Contact

John Demke
Marketing Guru