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The Credit Union of the Future

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Report #663 | Members
Innovation Payments

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 #660 |
Innovation

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.

Next Event

Event |

big.bright.minds. 2026

New Orleans, LA

Every year, courtesy of our presenting sponsors, Filene brings together credit unions from across the U.S.: CEOs, board members, and the employees designing the future of credit unions. Add in our Filene Fellows and industry thinkers whose work is reshaping the industry, the next generation of leaders through Crashers, and the fintechs building the tools that will define the next decade, and you have the single richest room in the movement.

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Report #639 | Members
Artificial Intelligence Strategy and Planning Innovation Benchmarking and Key Performance Indicators

The AI Adoption Journey: A Survey of Credit Union Leaders

*20-Minute Read: Artificial intelligence (AI) is transforming the digital economy, and credit union leaders are navigating pivotal decisions on how to integrate AI into their business models. This report shares insights from a survey of 110 participants across 78 organizations, highlighting early trends, emerging strategies, and the positive potential of AI to empower members, employees, and leadership, while encouraging credit unions to evolve and refine their AI approaches.

Blog |
Artificial Intelligence Strategy and Planning Innovation

Thinking Forward: When Your Member's AI Picks the Financial Product, Will It Pick You?

AI agents are already choosing financial products for consumers, and most credit unions don't know they're not included in consideration. The infrastructure isn't coming; it's live. And the trust advantage credit unions spent decades building? It doesn't translate automatically. Here's what that means, and what to do about it.
Report #666 | Members
Attracting and Engaging Younger Members Strategy and Planning

The Moment of Change: Benchmarking the Next Generation of Credit Union Growth

This benchmarking research provides a data-driven view of how credit unions approach member growth. Based on responses from 105 participants across 92 organizations—primarily larger, growth-oriented institutions—it identifies where momentum is building, where gaps remain, and where future innovation should focus. Findings cover four areas: current strategies and future direction, digital delivery and product innovation, social media, and employee experience as a driver of next-generation growth.
Report #647 |
Innovation Strategy and Planning Attracting and Engaging Younger Members

FiLab: Credit Union Landscape 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.

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