Stop Guessing and Start Testing. FiLab Takes the Complexity Out of Fintech Evaluation.
FiLab is Filene's innovation testing platform. It identifies high-potential fintech solutions, partners with credit unions to run structured pilots, and delivers real evidence about what works, what doesn't and what is worth scaling. FiLab does the heavy lifting for you, de-risking the process of testing innovative solutions for credit unions and providing proof before full investment, so that you don't have to do everything on your own.
Testing with FiLab
The Results Speak for Themselves: 2025 FiLab Test Results
Report
2025 FiLab Results: Cardfit
Credit cards remain one of the most powerful tools for deepening member relationships, yet most consumers still turn to big banks when choosing a card. Why? Because credit unions are often invisible in the digital comparison journey. Filene’s latest FiLab Fintech report explores how seven credit unions tested CardFit’s comparison platform to change that dynamic, and what they learned about engagement, targeting, and the hidden barriers standing between interest and approval.
Report
2025 FiLab Results: Casap
One of the six solutions selected for the 2025 FiLab testing phase focused on improving how credit unions manage fraud disputes, an operational and reputational pressure point that continues to intensify as fraud volumes rise. To address this long-standing challenge, FiLab partnered with Casap to test whether its fraud dispute automation platform can reduce manual burden, improve processing speed and strengthen member trust during high-stakes resolution moments.
Report
2025 FiLab Results: Finfluencer
The next generation of members seek out financial guidance online and the question is whether your credit union will be part of that conversation. Filene's FiLab Finfluencer report reveals how 13 credit unions stepped into that space by testing influencer campaigns, and what they discovered may change the way you think about future member growth entirely.
Report
2025 FiLab Results: IDgo
To kick off the third round of tests, FiLab partnered with IDgo as one of six solutions for the 2025 testing phase. IDgo is a digital identity authentication solution that helps financial institutions verify members quickly, securely and efficiently. Here we explore IDgo's potential to improve call center authentication by saving time, reducing fraud risk and creating a better experience for both members and staff compared to existing methods.
Stay tuned for the remaining reports from FiLab's 2025 tests...
This type of work sets credit unions up for success, pairing resources (that none of us have time to build out individually) with actionable results that enable us to better serve our members.
Tonita Webb
Verity CU
Be Part of FiLab
Credit unions and system partners can still get involved in FiLab by becoming a sponsor. As a sponsor, you will:
- Strengthen your credit union system's capacity for innovation and spark growth with cutting-edge research.
- Join an exclusive cohort of forward-thinking credit unions and system organizations.
- Participate in the selection of ideas to be tested from a set of vetted concepts.
- Build relationships and learn from innovation experts, academics, and innovative-minded credit unions and system organizations.
FiLab Sponsors
FiLab Featured Content
FiLab: Credit Union Landscape Report
Report
Disruption has shifted from a trend to reality—our new norm! As growth continues to slow and consumer expectations accelerate, CUs are being pushed to rethink how they operate, innovate and deliver distinct value. FiLab's new CU Landscape report offers a powerful snapshot of today's most pressing challenges—and the clearest opportunities to move forward. This overview is the first in a series to help CUs make sense of the disruption, prioritize what matters and discover pathways forward.
From Ideas to Action: FiLab's 2025 Tests Are Underway
Blog Post
Here's your sneak peek at the 6 game-changing tests that FiLab has been working on this year to help credit unions successfully tackle some of today's most pressing challenges. Also, see which award-winning fintechs we've partnered with on these exciting projects and how your credit union can get involved!!
Thinking Forward: What Is Our Credit Union Difference Today?
Blog Post
Webinar: Driving Impact & Fueling Growth—Introducing FiLab's New Areas of Focus
Blog Post
Review webinar materials from "Driving Impact & Fueling Growth—Introducing FiLab's New Focus Areas," hosted on April 29th, 2025.