Loans
Better lending decisions. Stronger member outcomes.
With income and expenditure available in real time for up to 98% of applicants through their credit union account or Open Banking, Murmuration gives your lending team a clearer picture of affordability from the start.
Apply your own lending criteria, automate straightforward decisions and refer cases to your team when human judgement is needed.
- Real-time I&E
- Up to 98% coverage
- Faster decisions
- Your lending criteria
Better information. Better lending decisions.
A clearer picture of each applicant's circumstances.
Give your lending team a more current view of affordability — without pulling information together manually.
Open Banking
Use consented financial data to understand income, expenditure and financial commitments for a clearer, up-to-date view of affordability.
Connected account data
Use relevant information available through the member’s relationship with your credit union.
Credit bureau integration
Bring external credit information into the same assessment if you use credit reference data as part of your criteria.
See more of the picture. Make more informed decisions.
Faster where it can be. Human where it needs to be.
Your credit union sets the lending policy. Murmuration helps you apply it.
AI-assisted underwriting and automation assess applications against your lending criteria. Straightforward applications can move through quickly, while cases requiring judgement, additional information or support are routed to your team.
Your lending rules
Applications are assessed against the criteria your credit union defines.
AI-assisted assessment
Support decisions with connected data rather than manual collation.
Automated workflows
Move applications forward without manual handoffs.
Manual review when needed
Route cases needing judgement or support to your team.
One connected lending journey
From application to repayment — all in one place.
Give members a simpler borrowing experience while giving your team a connected view throughout the life of the loan.
Apply
A simple, mobile-first digital application.
Understand
Bring together affordability, account and credit information.
Decide
Assess the application against your lending criteria.
Complete
Move approved applications through documentation and completion.
Manage
Manage repayments, top-ups and eligible consolidation lending.
Support
Identify changes and engage members who may need help.
One application. One loan. One connected view.
Spot difficulty earlier. Support members sooner.
Don't wait for a missed payment to understand that a member may be struggling.
Connected data and intelligent monitoring help identify emerging signs of financial difficulty earlier — giving your team more opportunity to engage, understand the circumstances and offer appropriate support.
Delinquency prediction
Identify patterns and indicators that may suggest a member is at greater risk of falling behind.
Early intervention
Give your team the opportunity to start the conversation sooner.
Timely automated communication
The built-in CRM contacts members automatically on a pre-built contact cycle — email, SMS, push notification or automated outbound call.
Payment arrangements
Record and manage appropriate repayment arrangements through connected workflows.
Collections management
A clearer view of accounts requiring attention, member circumstances and actions already taken.
Earlier insight. Earlier conversations. Better opportunities to support members.
See the whole loan book
Better visibility for your team, management and Board.
Turn lending data into a clearer view of performance, risk and opportunity.
Applications & decisions
See volumes, outcomes and where applications are in the process.
Portfolio performance
Understand the composition and performance of your loan book.
Arrears & emerging risk
See where attention may be needed across the portfolio.
Management insight
Clearer information to support oversight and decision-making.
Your credit union. Your lending decisions.
Intelligence supports the decision. Your credit union stays in control.
Murmuration is designed to help your credit union make better-informed decisions — not impose a single approach to lending.
Your policy
You define how your credit union lends.
Your criteria
You set the rules, parameters and risk appetite.
Your approvals
You decide where automation can be used and where people need to be involved.
Your members
Individual circumstances remain at the heart of responsible lending.
Murmuration provides the technology and insight. Your credit union makes the decision.
See Murmuration lending in action
Lend with greater insight. Support members sooner.
See how Murmuration can connect applications, affordability, decisioning, loan management and collections — helping you make responsible lending easier for members and more efficient for your team.
Better information. Faster decisions. Responsible lending.