Members Solution
Everything your members need. Right in their pocket.
One simple, secure place to save, borrow, manage money and stay connected to their credit union — the convenience they expect from modern banking, the personal service they expect from you.
Save · Borrow · Manage money · Stay connected
Your credit union. Wherever your members are.
Members expect to manage their money when and where it suits them.
Murmuration puts your credit union in their pocket, giving members simple, secure access to the services they use every day — without replacing the human support that makes your credit union different.
One app. One relationship. Everything connected.
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01
Save
See balances, track progress and make saving part of everyday life.
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02
Borrow
Apply for and manage borrowing through a simple digital journey.
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03
Manage money
A clear view of accounts, transactions and financial position.
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04
Stay connected
Relevant messages, updates and support, at the right moment.
One experience. Seven places it shows up.
Everything a member can do with their credit union.
Each part of the experience connects to the same member record — so nothing has to start again.
Everyday Banking
An account, debit card, Apple Pay and Google Pay, Faster Payments and spending insights.
Digital when they want it. Human when they need it.
From checking a balance to making a payment, everyday interactions become quick, intuitive and easy to understand — and when members do need help, your team is still there.
Make saving easier to start
Turn good intentions into better financial habits.
Saving regularly can transform a member’s financial resilience. Give members a clear view of their savings, make it simple to contribute and help them see the progress they’re making towards their goals.
Explore Savings →Make borrowing simpler
A better borrowing experience. Better decisions for you.
Members shouldn’t have to choose between a convenient borrowing experience and responsible lending. Straightforward digital journeys make it easier to apply, understand progress and manage borrowing — while your credit union keeps the insight and controls it needs.
Explore Borrowing →Be there before members need to ask
Right message. Right moment. Right support.
The best member experience isn’t always about waiting for someone to get in touch. Connected data helps your credit union understand what’s happening and respond with relevant information, reminders and support at the right moment.
From a useful notification to a financial wellbeing journey, every interaction can become more timely and personal.
Explore Financial Wellbeing →
Help members feel more in control
A great digital experience should do more than show balances.
Bring savings, borrowing, spending insights and financial wellbeing together to help members see where they stand — and what they can do next.
Better visibility
A clear view of money coming in, going out and set aside.
Better habits
Prompts and journeys that make positive actions easy to repeat.
Better wellbeing
Support at the moment it can make the greatest difference.
Keep the relationship personal
Going digital shouldn't make your credit union feel less human.
Members can communicate with their credit union through the same connected experience they use to manage their money, while your team has the context needed to provide more informed support.
No disconnected conversations. No starting again.
Technology that strengthens the relationship — rather than replacing it.
Give the next generation a reason to join
Your values haven't become outdated.
But the way people expect to access financial services has changed. Murmuration combines the community, purpose and personal service of a credit union with the digital experience today’s members expect.
Modern experience. Mutual values. No compromise.
More than an app
A stronger member relationship.
When saving, borrowing, communication and support come together in one experience, your credit union becomes easier to use — and harder to leave behind.
Everything they need. Everything you stand for. One connected experience.