ABOUT MURMURATION

We built Murmuration because credit unions deserve better.

For decades, credit unions have served the communities that mainstream banking has left behind. They've done it with dedication, with genuine care — and often with technology that was never designed for them.

Murmuration exists to change that.

Enquire now See the ownership model

The Idea

A murmuration is the phenomenon of thousands of starlings moving as one.

No single bird in charge, no central command. Pure collective intelligence. Fluid, responsive, alive.

That's what we're building for credit unions: a shared platform where technology, members and operations move in natural harmony. Infrastructure that works the way communities do — together.

What we believe

Credit unions are vital.

They serve people that traditional banking fails. They keep money in communities. They provide financial services to people who need them most. They deserve tools that match their mission.

Shared infrastructure works.

No single credit union should have to fund a modern banking platform alone. When credit unions share the infrastructure, everyone benefits — and the cost burden that has held them back disappears.

Technology should serve people.

We design everything around the human experience — for credit union staff who want simple, powerful tools, and for members who expect a financial experience that fits their life.

The Team

Built by people who know this sector.

Murmuration was founded by a team with deep experience across financial services technology, credit unions, and growth marketing. We understand this sector because we have worked in it — and we built the platform we wish existed.

MS

Matthew Sanders

Chief Executive Officer

Previously built a platform that revolutionised the recruitment industry, improving service delivery across the sector and increasing efficiencies. It scaled and was adopted by household brands, the NHS and local councils.

JT

Justin Taylor

Chief Technology Officer

CTO and digital transformation leader in regulated fintech, specialising in multi-region, enterprise-scale platforms. Over 18 years experience building engineering organisations that deliver resilient core banking and card processing, event-driven architectures and cloud platforms.

DW

Daniel Walker

Head of Partnerships

Daniel has worked closely with credit unions for a number of years. With a good understanding of the varying needs and requirements of credit unions across the UK, Daniel is the primary point of contact to manage your account.

LS

Louise Sanders

Strategic Marketing

Over 15 years experience in financial services, specifically B2C. A results-driven marketing and strategic director leading growth, transformation and customer-centric strategy across financial services businesses.

Our Mission

To give every credit union in the UK access to world-class technology — free — and to help them grow the membership that makes communities stronger.

Make borrowing feel easier

Fewer barriers. Better decisions. Stronger member outcomes.

From the first application to the final drawdown, give members a borrowing journey that’s simple, transparent and built around them — and give your credit union the insight and control to lend with confidence.

A better borrowing experience for members. Better decisions for you.

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