Core-Optimized Digital Experience Engine
Welcome! This is the first of many exciting, empowering, and rewarding moments to come in your financial institution's future. Today is the day you discover the secret of “C.O.D.E.” Now, right now, is the time you begin your transformational journey towards relevance and thriving as a powerful center of gravity within your community. C.O.D.E is an engine, a movement to free your institution from inefficient operations, expensive and redundant vendors, dated platforms, trapped and hostage data, and broken/unreliable interfaces between complex traditional silos and systems.
As a point of reference, in the world of C.O.D.E we refer to these traditional silos and systems as “platforms.” In the modern area of digital delivery and transaction systems, "platform" is worse than a four letter word; it's two four letter words! How many platforms does your credit union use today? Perhaps you’re unsure. Don’t worry, that’s normal. In fact, most of our clients are surprised to discover precisely how many vendors and platforms are tacked together to support their daily operations. Our average client usually has more than 30 legacy platforms and/or vendors propping up service and delivery to employees and members. Rest assured, we can help you get a map to start solving your platforming problem.
Common platforms within credit unions include your core (host) processor, loan origination platforms, collections systems, accounting/general ledger software, online and mobile banking servers, online loan applications, online member origination tools, person-to-person (P2P) tools, bill pay vendors, so-called ‘interactive teller machines’ (ITMs), etc. Whew, that’s a lot of platforms and silos; and that’s just the obvious ones! Imagine how many more are lurking out there, hiding in your budget and your operations, impacting both your integration and your seamless, efficient, sustainable delivery of a solid member experiences!?
It's time to move into the future of financial institution technology; it's time to marry your core technology with your core business strategy, and drive your financial institution forward using the C.O.D.E. Engine.
Code Experiences and Digital Portals
Member Gravitation Experience
When it comes to attracting new business - pulling in new members and loans - you have two options:
pay a premium to bolt on a platform to do it (while disjointing your member facing and internal operations and creating troublesome/costly data silos); or
use the power of your relevant core to meet the member in the digital world to onboard their business in a modern, digital fashion which aligns with the rest of your business operations.
Everyone hates getting nickeled-and-dimed by application and per use fees. It’s an old model that you never have to succumb to again. Because we obsess with using the natural power of your modern, relevant core, our Member Gravitation Experience eliminates per-member, per-click, and per-application fees while giving you control of your data and your member experience.
The more your digital portals generate gravitational force and pull in new business, the more profitable they become. It's that simple. You shouldn't be penalized for successfully executing a digital strategy!
Eliminate the middle man with the Member Gravitation Experience. Your data is consolidated on the core – eliminating ancillary vendors, out of reach databases, and pay per click fees. Take control back.
With the Member Gravitation Experience, you create consistent member experiences based on what you know your members want rather than what vendors dictate.
Member Orbit Experience
After you attract new business/members, you need to keep them engaged and 'in orbit.'
Your institution should be a center of gravity in your community. The more data and transactions you collect and process on your core (and the more data control and delivery is part of your core business strategy), the more powerfully and profitably you can extend additional services, products, and relationships to your member (kinda like the sort of successful strategy of Amazon, Google, Facebook, Apple, etc.).
Our Member Orbit Experience is designed to allow you to deliver modern, efficient, digital portals to your members to optimize their engagement with your financial institution while maximizing revenue/return from your core and core business data.
Finally - consistent digital experiences across all member portals! By extending your core with the Member Orbit Experience, your institution can enter the future of self-service, digital delivery, and data-driven member experiences.
Save money. Reduce vendors. Eliminate inefficiencies. Gain reporting consistency. Use business data more efficiently to drive improved member digital experiences and better business decisions. All with complete consolidation of your digital portals into one product line, 100% integrated within your core. With the Member Orbit Experience, the possibilities are endless.
The Member Orbit Experience gives your members exactly what they want – simplicity, consistency, and control. Members will never again ask why your technology can’t be as easy or efficient as Amazon.
Community Ecosphere Experience
We believe local businesses are at the center of our economies and communities. With the Community Ecosphere Experience, your credit union becomes the hub of cutting edge technology deployed to engage community business. We empower you to use your core to expand your business banking opportunities, while saving local businesses money, expanding their brands with front-end white-labeled apps, and giving businesses the opportunity to grow their customer base. Help local businesses escape the high-fee traditional banking world. It’s your turn to ignite your local economy!
The Community Ecosphere Experience opens the door to offer commercial digital products that traditionally could only be obtained from a bank or FinTech. By harnessing the power of your core, you can offer modern technology at reduced prices and grow your portfolio. Who doesn’t love new and expanding revenue streams?
With The Community Ecosphere Experience, all of your commercial and member accounts are driven from the same engine – your core. You’ll be in the driver seat to create consistent, simple, and easy digital experiences for members to manage their individual and commercial accounts by eliminating dual websites and multiple login credentials. Business banking with credit unions doesn’t have to be clunky any longer.