Case Study: TAB Bank achieves real-time open-banking and 30-second PPP processing with MuleSoft

How TAB Bank unlocked its core banking platforms to transform the customer experience

TAB Bank, a Utah-based branchless bank founded in 1998 that serves SMEs across industries like transportation and manufacturing, faced a growing challenge: three disparate core banking platforms left customer data fragmented and required staff to manually gather information during calls, slowing personalization and limiting scalability.

By adopting an API-led integration strategy with MuleSoft and publishing 200+ reusable APIs, TAB centralized and unlocked core data into an open-banking platform (including Plaid integration), automating onboarding (account setup and KYC in ~3 minutes) and accelerating services. The bank cut PPP application processing from 30 minutes to 30 seconds, reduced manual approvals by 80%, delivered 6,100 PPP loans protecting over 47,000 jobs, and created an agile, partner-friendly architecture for faster innovation.

TAB Bank

Curt Queyrouze

President