Onboarding
Turn interest into membership. Without the paperwork.
Simple, mobile-first onboarding that takes members from application to an active relationship in one connected journey — identity checks, applications, approvals, communications and account opening together.
- Digital-first
- Built-in checks
- Less manual processing
- One connected member record
Make joining feel simple
A modern first impression of your credit union.
Joining a credit union shouldn’t begin with paperwork, disconnected forms and waiting for information to move between systems. Murmuration gives prospective members a clear digital journey designed for mobile, while supporting staff-assisted onboarding when a member needs a little more help.
Digital-first
Members can start and complete their application online, using the device that suits them.
Mobile-first
Simple journeys designed around the way people increasingly access financial services.
Staff-assisted
Help a member complete their journey in branch or through your team when additional support is needed.
Accessible to more members
Build different levels of support into the journey, including identification of potential vulnerability.
One journey. All the checks connected.
Make compliance part of the experience, not another process.
Bring the information and checks needed to onboard a member into one connected workflow.
Identity verification
Verify who the applicant is as part of the digital journey.
AML screening
Support required anti-money laundering checks within the onboarding process.
Address verification
Confirm address information without creating unnecessary additional steps.
Open Banking consent
Let applicants securely consent to sharing relevant financial information where required.
Credit bureau integration
Bring relevant credit information into connected workflows where appropriate.
Electronic signatures
Complete required documentation and agreements digitally.
Less moving between systems. Less rekeying. A clearer journey from application to member.
From application to active member
Onboard once. Connect everything that comes next.
Onboarding shouldn’t end with a completed application. Once a member is onboarded, their information becomes part of their connected Murmuration member record — ready to support the services they choose to use.
Apply
The member starts a simple digital or staff-assisted application.
Verify
Identity, address and relevant checks are completed.
Approve
Your credit union reviews and approves according to its policies.
Open
The member relationship and appropriate accounts are established.
Engage
Welcome communications and next steps are delivered through the connected journey.
Grow the relationship
The member is ready to save, borrow and access current-account services.
One application. One member record. A relationship ready to grow.
Less administration for your team
Spend less time processing applications. More time helping members.
Digital onboarding isn’t only about making things faster for applicants. It can also remove repetitive work behind the scenes.
Application tracking
See where applications are in the process and what needs attention.
Connected information
Capture member information once and make it available through the connected platform.
Clearer workflows
Bring checks, reviews, approvals and next steps into a defined process.
Member communications
Keep applicants informed throughout their journey.
Fewer manual tasks
Reduce rekeying, chasing documents and moving information between systems.
Not every member is the same
Different members. One flexible onboarding experience.
Murmuration can support different journeys while keeping the experience connected to the same member platform.
Personal membership
A simple digital journey for individual members.
Junior accounts
Support the additional information and permissions needed for younger members.
Small business accounts
Journeys designed around the additional information required for business relationships.
Members needing additional support
Identify potential vulnerability and give your team the chance to assist.
Digital when it can be. Human when it needs to be.
Your credit union. Your approval.
Technology supports the process. Your credit union stays in control.
Murmuration brings onboarding information, verification and workflows together, but membership decisions remain with the credit union.
Your eligibility rules
Define who your credit union serves.
Your policies
Apply your own membership and onboarding requirements.
Your approvals
Keep appropriate decisions and exceptions with your team.
Your members
The relationship remains between the member and your credit union.
Murmuration makes the journey easier. Your credit union makes the decision.
From finding you to joining you
Help the right people discover the right credit union.
Murmuration’s vision goes beyond processing people who already know they want to join. National digital campaigns can introduce more people to the benefits of credit union membership and direct prospective members towards an appropriate participating credit union based on relevant eligibility criteria, such as location or vocation.
Discover
A prospective member sees a Murmuration-supported campaign.
Match
They are directed to an appropriate participating credit union.
Join
They begin a mobile-first application there and then.
Become a member
Once approved, they enter the credit union’s connected member experience.
From national reach to a local credit union relationship.
Explore member growth →Built around trust and control
The convenience members expect. The controls a credit union needs.
Identity & verification
Bring relevant checks into the onboarding journey.
AML screening
Support financial-crime checks as part of a connected process.
Consent
Capture relevant permissions and Open Banking consent.
Electronic records
Clearer records of applications, checks, approvals and signatures.
Credit union control
Your policies, eligibility criteria and membership decisions remain yours.
A better start to a longer relationship
Don’t make members start again every time they need something new.
See onboarding in action
Make it easier to become a member — and easier to serve them from day one.
From first application and verification to an active member ready to save, borrow and bank, Murmuration connects the whole journey. Less paperwork for members. Less manual processing for your team.
Make joining the beginning of the relationship, not the end of the application.