Everything your members need. Right in their pocket.

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.

Everyday Banking

An account, debit card, Apple Pay and Google Pay, Faster Payments and spending insights.

Savings

Goals, round-ups, automatic transfers and junior savings that make habits stick.

Borrowing

Apply, evidence affordability, sign digitally and access approved funds.

Family

Children’s accounts and linked family relationships in one connected experience.

Business Accounts

A modern business account for the local businesses in your community.

Financial Wellbeing

Budgeting, spending insight and nudges that turn understanding into action.

Support

Lexi 24/7, live chat, secure messaging, telephone and branch appointments.

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.

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.

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.

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.