• Intellect
  • Specialised Segments
  • Credit Unions and Co-operative Banks
Challenges

Challenges faced by Credit Unions and Co-Operative Banks

1

Aging Membership & Slow New Customer Acquisition

  • Difficult attracting digitally-native customers
  • Declining relevance among Gen-Z, millennials
  • Limited brand visibility compared to large banks and fintechs

2

Legacy Technology & Slow Digital Transformation

  • High cost of upgrading legacy infrastructure
  • Limited mobile/digital banking capabilities for all products
  • Slow rollout of new digital services

3

Rising Regulatory & Compliance Burden

  • Increasing AML/KYC expectations from credit unions
  • Cloud, Data protection and cybersecurity regulations
  • High cost of compliance staff and systems

4

Talent Gaps in Technology and Data

  • Shortage of AI, cloud and cybersecurity expertise
  • Difficulty competing with big banks and fintechs for skills
  • Heavy reliance on vendor-led tech capability
Our Products

Powering End-to-End Credit Unions and Co-operative Banks Transformation

Explore our comprehensive product portfolio for Credit Unions and Co-Operative Banks

Consumer Core Banking

Comprehensive core platform designed for complex corporate banking operations.

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Consumer Originations

End-to-end digital onboarding and loan origination with instant decisioning.

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Consumer Loan Management

Full lifecycle management of retail loans—from disbursement to collections.

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Debt Collection

AI-led collections automation that improves recoveries and reduces delinquency.

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Consumer Cards

Unified platform for issuing, managing, and servicing consumer credit and debit cards.

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Digital Engagement for Consumers

AI-driven omnichannel experiences that deepen customer engagement and self-service.

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Bank Treasury

End-to-end treasury management covering liquidity, investments, funding, and ALM.

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