Help members feel more in control of their money.

Knowing where you stand changes what you can do next

A clearer view of their money — and what they can do with it.

It's difficult to make better financial decisions without a clear picture of your money. Murmuration brings income, spending, commitments and savings together to help members understand their financial position in a way that's simple and useful.

Not another spreadsheet. Not more financial jargon.

Build an emergency fund

Recognise the moment a buffer becomes achievable.

Create room in the budget

Spot the small changes that free up money each month.

Save more consistently

Turn one good month into a repeatable habit.

Make saving the natural next step

From good intention to positive action.

Sometimes members don't need a major financial intervention. They just need a useful prompt at the right moment. Savings nudges encourage small, achievable actions based on their financial position and behaviour.

Connected with Murmuration's savings tools, a nudge can become an action in just a few taps.

Know when a member might need more support

See the signs sooner. Support members earlier.

Digital tools can help members help themselves. But sometimes people need more than a tool. Murmuration can use connected financial information and member insight to help identify when additional support may be appropriate.

Instead of waiting for a member to tell you they're struggling, your team can be better equipped to recognise where help may be needed.

Digital insight. Human support.

Technology when it helps. People when they matter.

Technology can identify patterns, make information easier to understand and help members take simple actions. But it shouldn't replace the relationship between a credit union and its members.

When more support is needed, Murmuration connects the digital experience with the people behind it — giving your team greater context for a more informed conversation.

Part of everyday banking

Financial wellbeing shouldn't sit in a corner of the app.

By connecting everyday banking, spending, saving and member insight, financial wellbeing becomes part of the member’s everyday experience.

Insight becomes action. Action becomes habit.