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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

Shift

The Problem How might we provide new financial services to consumers without the barrier of requiring membership?  How can we get out of the consumer’s way? …our own way? The Solution Shift is the first partnership of its kind bringing together the nation’s top credit unions under one umbrella offering...

Hindsight

Hindsight is moving forward for further testing in the i4 incubator . Let us know if you are interested in testing by completing this form. The Problem Through our research and experiences, we have proven that credit unions are not leveraging the conferences attended into real value in return on investment...

Member Megaphone

Originally developed by i3 innovators under the concept name CU Toot.   Problem: One-to-one referrals from existing members remain the most cost-effective and productive way to grow membership or gain product adoption. "Refer a Friend" campaigns can be cumbersome to manage and track -- and the same holds true for...

All i3 Ideas

Status: An Idea

Karma Direct

The Problem How might credit unions use charitable giving to enhance our relationship with our members? The Solution Karma Direct is a program that gives members an influence over where the credit union directs its donations. For every bill payment, new loan, payroll deposit, and new investment, the credit union...

Status: An Idea

Thrive

The Problem How might we engage millennial members by helping to develop healthy financial and fitness habits? The Solution Thrive seeks to address this problem simply by encouraging members to save and workout by paying a higher interest rate on their savings account when they do both.  While there are...

Status: An Idea

Shift

The Problem How might we provide new financial services to consumers without the barrier of requiring membership?  How can we get out of the consumer’s way? …our own way? The Solution Shift is the first partnership of its kind bringing together the nation’s top credit unions under one umbrella offering...

Status: An Idea

MemberEQ

  The Problem How might we make it simple for digital natives to join a credit union? The Solution MemberEQ (Easy Qualification) propels the online account acquisition formula to a new level, delivering a digitized pre-qualification process that reduces friction and provides value through time savings and personalization.  Filene i3...

Status: An Idea

Home Free

The Problem How might we better prepare millennials for home ownership? The Solution Home Free is a rewards-based credit card program that accumulates cash back that can be applied to expenses related directly to home ownership, such as a down payment. Filene i3 Demo New Orleans - Home Free from...

Status: An Idea

Frank

The Problem There is tremendous value yet to be unleashed in the process by which credit unions communicate critical account information to members.  How then do we unleash that value and make the process more relevant, timely and insightful? The Solution Introducing Frank, a real time fin-tech app with predictive...

Status: An Idea

SpendClear

The Problem How might we help credit unions remain relevant and help consumers understand the value of their money in a digital era?  The Solution SpendClear is a mobile tool designed to track purchases and make payments through your Smartphone.  By using mobile capture technology, SpendClear will allow you to...

Status: An Idea

ASK

The Problem How might we learn more about our millennial members so that credit unions could offer them relevant products and services? The Solution ASK - Acquire-Social-Knowledge is a solution that can connect with millennial and non-millennial members through a mobile device channel so that credit unions can better understand...

Status: Ready for Action

Boost Savings

BoostSavings helps members handle unplanned expenses, while still helping them build long term savings for future events. Members enrolled in BoostSavings will have access to a line of credit that is tied to their enrollment in the program. The availability of funds from the line of credit will vary based...

Status: Ready for Action

Debt Dragon

Testing Soon! Complete this form to be considered for the Debt Dragon prototype test.  The Problem 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...