Loan Servicing as a Revenue Channel.

Every credit union needs to grow new accounts — it’s their lifeblood. But it’s expensive to acquire new members organically. The best short-term revenue growth potential is often found in their existing member base.

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Use first-party data to customize offers.

Many credit unions reach out to members with broad-based marketing, but a data-driven strategy with a narrow focus is typically more effective. Leverage your first-party data and access hundreds of our rules to create target user segments for personalized offers.

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Create a frictionless digital experience.

The digital consumer expects simplicity, an intuitive design and speed of completion. Providing your team with the same experience to configure product or refinance offers enables credit unions to respond to market changes quickly.

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The chances of converting an existing member to an additional offering are substantially greater than going after cold leads.

Since members often open new fintech accounts without closing accounts at their traditional institutions, finding new ways to increase wallet share can create a stickier relationship.

Faster ROI on existing members

Banks can generate a 70% return on initiatives targeting existing members versus 10% when targeting new members, according to PwC. Read the study here.

First-party data as a differentiator

Most credit unions have valuable insight into their members, including payments behavior, borrowing data, channel preferences and other first-party data. By leveraging this data, credit unions can learn to anticipate members’ needs and offer more personalized value rather than random products.

Reduce expense on unwanted offers

Throwing the kitchen sink at members, so to speak, can diminish credibility and trust. Taking a needs-based approach to cross-selling increases conversions and reduces the risk of bothering members with unwanted offers.

Wallet-share: automation for the win

The average number of financial products U.S. consumers carry is 8.5. A credit union that has a user's checking and savings accounts and an auto loan can attain half the person's banking wallet with one more account. The most cost-effective way to increase the share of the wallet is through testing various personalized approaches with automation.