Case Study: Current achieves rapid, user-centric banking innovation with Neo4j

Modern Banking Products Fueled by a User-Centric Approach

Current is a U.S. challenger bank with more than 2 million members that set out to replace traditional account‑centric banking with a user‑centric model that delivers flexible savings, spending and teen banking products. They faced strict regulatory and transactional consistency requirements and found relational databases produced high latency for relationship queries, while needing a solution that fit their Google Cloud / Kubernetes architecture.

Current adopted Neo4j to model its core banking data as a graph—encoding users, products and relationships as native nodes and edges—enabling fast traversals, clearer developer mental models, and entirely new product structures like flexible teen accounts. Running Neo4j in a secure VPC on GCP, the bank achieved millisecond lookups, high performance and scalability, faster product innovation, and an improved user experience (including a points rewards debit program).

Current

Trevor Marshall

CTO