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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.

All i3 Ideas

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: An Idea

Guardian

The Problem How might Credit Unions provide a personalized service for families that will help protect their lifetime savings, while at the same time grow membership and retain intergenerational assets? The Solution Guardian will alleviate stress by providing a personalized “one-stop” solution for the senior and loved ones to exchange...

Status: An Idea

tender

The Problem In today’s electronic world, the adults of tomorrow are growing increasingly disconnected from their money and their finance, but more connected to popular apps like Twitter, Tinder, Snapchat, and Pinterest. It is our job as adults and educators, to give tomorrow’s leaders the tools they need to be successful with their...

Status: An Idea

D-Cipher

The Problem Consumers feel a lack of trust with financial institutions – including credit unions – because of all the “fine print” in disclosures coupled with the seeming mountain of disclosures and other documents.  What are they hiding in all this paperwork? The Solution A managed website which credit unions...

CoVo

The Problem Credit Unions are shrinking in numbers, growing in complexity. Top performing organizations understand that employee engagement drives success. An engaged workforce delivers 43% more productivity, 23% more revenue, and 87% improvement in retention. How might we help CU employees, especially Millennials, feel empowered to create their own opportunities and make...

advocard

The Problem  Fact... 2 out of 3 American consumers are NOT credit union members. Why? Many are unaware of credit unions and their potential benefits. The Solution  Advocard is the first general purpose reloadable (GPR) prepaid card to offer consumers easy access to their money and free membership to credit unions nationwide....