New fintech ideas for credit unions. Source: Shutterstock.

As credit unions face thinning margins, skyrocketing member expectations, quickly evolving technology and an increasingly competitive marketplace, they are challenged with how to retain relevance and prominence in members’ financial lives. This becomes even more difficult as non-financial services companies, such as retailers and tech companies, continue to try and offer banking and payments services, threatening to disrupt deposits and disintermediate relationships.

In response, more credit unions are looking to embrace embedded fintech, extending their brand and presence into everything the member does in e-commerce. To create a strong path forward, one that enables quick innovation with reduced risk and maintains their position in their members’ lives, it is important to first understand the power of embedded fintech (especially when compared to embedded finance) and then find a realistic model to future-proof their business.

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