A custom database connectivity component is deployed in conjunction with a native database connectivity component and a credential manager. The custom connectivity component has a requestor interface for communicating with a requestor application, a credential service interface for communicating with the credential manager, a native database connectivity interface for communicating with native connectivity components, and a decision engine for determining how to convert a request from a requestor to an appropriate API call to the credential manager. The custom connectivity component provides an authenticated and authorized database connection for a requestor application. The component transparently serves retrieves database, or other target resource, credentials on a real time basis, without requiring code changes to the requestor application.