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

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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.

01

Apply

The member starts a simple digital or staff-assisted application.

02

Verify

Identity, address and relevant checks are completed.

03

Approve

Your credit union reviews and approves according to its policies.

04

Open

The member relationship and appropriate accounts are established.

05

Engage

Welcome communications and next steps are delivered through the connected journey.

06

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.

01

Discover

A prospective member sees a Murmuration-supported campaign.

02

Match

They are directed to an appropriate participating credit union.

03

Join

They begin a mobile-first application there and then.

04

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.

Join Save Borrow Bank Engage

Their member record can support their journey from their first account to saving, borrowing, payments and other services available through the credit union.

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.

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