Credit Unions: Attract New Members and Keep Them Loyal
Create strong member relationships and bring in new business
Customer Story: First West Credit Union Transforms Member Experiences with HSO and Microsoft
British Columbia’s leading credit union modernizes operations and deepens member relationships with Dynamics 365
Drive Growth with Data & AI
Transform insights into action to elevate member experiences and stay ahead of change.
We understand Credit Unions.
To compete with commercial banks—especially the handful of major institutions the majority of households do business with—credit unions must stay in front of conditions and trends that are rapidly changing and difficult to anticipate.
The changing role of branches from transactional hubs to being sources of financial advisory/investment/brokerage services and business accounts and loans has increased the costs associated with running those offices.
To compete with banks for younger members, credit unions--with members who prefer in-person interactions and a traditional banking experience--must have a physical presence while also expanding online banking services.
Credit unions need to break down silos, organize their data, and leverage AI to gain deeper member insights, automate routine processes, enhance fraud detection, and deliver faster, more personalized services.
The constant push for credit unions to reduce expenses by streamlining operations and strategically placing branches in areas with growth potential is strained by the need to upgrade the digital experience for users.
Digital banking is a necessity for members. Credit unions must compete with banks and fintech companies that offer slick digital experiences and a broader range services, providing online banking apps and accommodating payment systems.
To compete with commercial banks, credit unions must be ready to accommodate rapidly-changing trends like shifting member expectations, the rise of digital banking, evolving regulatory requirements, and increasing competition from fintechs.
Credit unions must deliver a seamless, personalized member experience across digital and in-branch channels while building trust and loyalty in an increasingly competitive market--adapting delivery models to changing needs and demands.
To meet stricter regulatory demands and protect member trust, credit unions must strengthen cybersecurity and governance frameworks — investing in advanced threat detection, robust data privacy controls, and clear accountability measures across their operations.
As a credit union, you face unique challenges that have only been increased or accelerated as customer demands have changed due to economic factors, technological advances, and more. HSO’s Solutions for Credit Unions are fully integrated, empowering you to provide excellent, personalized service to your members and attract new ones.
Designed to help you better understand and relate your members and gain operational control, including sales, service, and marketing, our solutions focus on the unique needs of credit unions, from attracting new members to improving retention--while addressing concerns like defending against fraud and simplifying operations.
HSO & Microsoft
Empowering your credit union to thrive in the digital age
A centralized hub for streamlined member-centric operations, ensuring a holistic approach to meeting member demands for instant, personalized service. AI and Copilot infused, it enables Credit Unions to seamlessly manage their diverse activities across multiple channels through:
Benefits
Understand your members' financial portfolios to create personalized relationships, promote rewards and up-sell through targeted product recommendations, and utilize interdepartmental data to enhance the overall member experience.
Generate visibility into renewals, retention, and lost business, forecast various revenue streams, increase wallet share by analyzing lost opportunities, and empower users to identify high-probability opportunities through Sales AI.
Increase digital presence and brand awareness, perform targeted marketing with personalized offers, track ROI through key metrics, implement referral programs to foster business growth, and manage subscription lists for regulatory compliance.
Track in-branch activities and online engagements, send targeted communications for promotions, products, and changes, and utilize Microsoft's Voice of the Customer to conduct insightful surveys.
Never let leads slip away by integrating online application forms and live chat, seamlessly follow up on incomplete applications and renewals while recommending alternatives, and automate customer onboarding and other essential customer journeys.
Generate complex reports swiftly with 'Ask a Question', identify next-gen products through customer insights, reduce manual report creation efforts, and gain deep insights into data, including category outliers, change points, correlations, trends, seasonality, and time, using AI.
Our Credit Union Demos
We help Credit Unions thrive in the digital age
DUCA Financial Services Credit Union increased its media buy efficiency by 20% in just three months with HSO's Credit Union solution.
The HSO Approach
Our team has deep knowledge of the financial sector, ensuring that our solutions are tailored to your specific needs.
We leverage the latest advancements to provide you with cutting-edge tools and platforms.
Access our extensive library of events, blogs, and on-demand videos to stay informed and ahead of the curve.
Resources for Credit Unions
Learn more about HSO and Credit Unions
Explore our extensive library of resources for credit unions
Enhance Member Experience and Operational Efficiency with an AI Briefing for Credit Unions
Credit unions face growing expectations for speed, personalization, and digital convenience—while operating with lean teams, tight margins, and increasing regulatory demands. Delivering great service and financial value at scale is no small task.
AI can help. From member onboarding and loan processing to fraud detection and service automation, AI empowers credit unions to streamline operations, personalize engagement, and strengthen member trust—without overextending staff or budgets.
In just a few hours, this focused session helps your team understand the core concepts of AI and identify high-impact use cases designed specifically for credit unions. You'll walk away with:
A clear view of how AI and Copilot can enhance member service, risk management, and back-office operations
Practical next steps for building a right-sized, low-risk adoption roadmap
Insight into Microsoft’s AI tools—Power Platform, Fabric, Azure AI, and more
Confidence to move from pilot to production—with a partner who understands the mission-driven nature of credit unions
Whether you're focused on improving service, scaling capacity, or modernizing member interactions, this session will help you unlock the real value of AI—responsibly and effectively.
Talk to the credit union experts about how we can help you compete and thrive.
