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i3 Concepts

Our i³ (Ideas, Innovation, Implementation) counts more than 150 concepts since the programs inception in 2004. These product, service, and business model innovations help credit unions build operational efficiency, generate loans, mobilize savings, reach communities, and strengthen membership. Browse through them below.

i3 Ideas in the Spotlight

Debt Dragon

7 in 10 students graduating from college have some kind of student loan debt. The problem of student loan debt puzzles many in the financial world and burdens millions of Americans each year. The amount of student loan debt continues to skyrocket, surpassing all other forms of debt outside of...

Bank on Family

Lending money to a friend? There's a 43% chance you won't see that money again... Everyone goes into peer-to-peer lending transactions with a positive state of mind, but the reality is not all informal loans get paid back. This is not only unhelpful to the borrower but puts a strain...

Will Be Done

64% of Americans don't have a will. Of those without a plan, about 27% said there isn't an urgent need for them to make one and 15% said they don't need one at all. How can you help us build the future of Will Be Done?   Test with 5...

All i3 Ideas

Status: In Process


Problem: How might credit unions proactively help today’s young adults make good financial decisions and build credit? Solution: Pathfinder, an artificial intelligence platform that does what only credit unions can do – leverage the immense amount of member data we own and combine that knowledge with our mission to help...

Status: In Process

Karma Direct 2017

Problem: How might we build impactful relationships through deeper community engagement? Solution: Giving back has never been simpler.  By choosing Karma Direct, your credit union’s charitable giving activities will reflect the voice of your membership. If Karma Direct is implemented, credit unions will not only deepen member engagement, but will...


Problem: How might we improve the facilitator of shared ideas, knowledge, best practices and resources needed between credit unions to help the industry thrive?  Solution: Impertio, an online platform designed to match credit union team members with others in the industry that are likely to have skills, strengths, and are in...

Status: An Idea

Finding Keepers

Problem: How might we significantly increase the percentage of very successful new hires at credit unions in order to ensure a bright future for the credit union movement? Solution: Finding Keepers is a turnkey, web-based solution that produces a robust “scorecard” consisting of customized interview questions to identify the best...

Status: In Process


Problem: How might we connect college student and recent graduates with ways to reduce their student loan debt? Solution: Hero allows students to email their friends and family directly for help in paying for their student expenses including tuition and more. The friends and family can make one-time donations (ex:...

Status: In Process


Problem: How might we better develop and engage top young talent in the credit union industry?  Solution: Our solution is a digital platform that connects credit union professionals and provides them with development and mentorship opportunities that not only boost engagement within their own credit union, but also the credit...

Status: An Idea

Collective Karma

Problem: How might we better communicate and increase the impact credit unions and their members have on their communities? Solution: Collective Karma, a collaborative community (members) giving program focused on leveraging the online banking platform to facilitate the selection of approved community organizations for charitable donations, and to allocate donations...

Status: An Idea


Problem How might we use these advances in behavioral economics, along with cutting edge technology, to help younger generations make better financial decisions for their future selves?     Solution YORO is a mobile-based technology that merges the Behavioral Economics elements of account aggregation, geolocation, data science, and gamification to make...


  Problem How might we leverage money saved by consumers during retail transactions to build actual savings?     Solution SaveIt uses Optical Character Recognition technology to read discounts on sales receipts and prompts users to save the amount displayed, with flexibility and control.

Retirement Road Map

Problem How might we encourage healthy financial and life behaviors for pre-retirees aged 40 to 65?     Solution Retirement Roadmap:  the unique credit union retirement planning platform that combines a holistic view of retirement with activities and rewards designed to promote long-term engagement.