"We saw the market really starting to converge and our biggest competition becoming the data processors, so, as a strategic move, we needed to become one, too," Pantaleon said.

He said the strategy for the new CUtopia is to provide a 360-degree member view to small- to mid-sized credit unions, as well as "a robust, reliable and fully compliant on-premise or hosted solution at a significantly lower cost of ownership."

Pantaleon said the savings can be significant, claiming, for instance, a projected $200,000 savings in the next two years for one Florida client who is replacing four vendors to use CUtopia for online and mobile banking, bill pay, IVR and core processing.

Working with key vendors such as IMM also helps to "create more of a 21st century experience by allowing you to blend your delivery channels, because that's the way your members expect it, and by going paperless," Pantaleon said. "The whole goal is a green platform. People don't want receipts anymore. Most just crumple them up when they get them, anyway."

Finding members' receipts in ashtrays and other assorted spots in town helped convince Barbara Campbell to make the switch.

The president/CEO of the $45 million, 8,600-member Dodge Central Credit Union in Beaver Dam, Wis., has just converted to the CUtopia platform.

"We're kind of in the middle of nowhere and everyone pretty much knows everyone. It's just not a high-crime area, but I kept finding my members' receipts in ashtrays outside the grocery store where we have a branch and places like that," Campbell said.

The ability to stop wasting paper and increase member security at the same time involved a software change-to both suppress personal data from receipts and making the core stop printing receipts automatically.