Constellation’s Fintech Connect™ and Digital Banking Platform can enhance credit union member experience and improve security. Photo by Vitaly Gariev for Unsplash.

The credit union members of today expect seamless, simple digital banking services. As society becomes more interconnected with digital technology, the risk of cyberthreats increases. Credit unions must focus on protecting sensitive member data and financial information while providing innovative member experiences.

The Current Digital Banking Landscape

The digital world has its own digital threats, and while the opportunities and potential are limitless, credit unions may experience challenges with increasing security, integrating digital banking solutions, and enhancing member experience.

Threats to Data Protection

Like all major financial institutions, credit unions are primary targets for hackers looking to exploit member information through security loopholes and vulnerabilities. In fact, credit unions experienced at least 892 cyber incidents from September 2023 to May 2024, according to a National Credit Union Administration (NCUA) report on “Cybersecurity and Credit Union System Resilience.” Each cyber incident increases the potential of data breach, asset loss, and membership decline due to lack of confidence in credit unions’ security capabilities.

Fintech Integration is King

Many credit unions still rely on rigid legacy systems with limited digital capabilities, yet fintech solutions offer opportunities to integrate and enhance member services. With reports indicating that around one in six Americans are digital-only account holders, credit unions have even more reason to embrace fintech integration. Failing to do so risks creating fragmented member experiences, losing members to competitors, increasing operational costs, and exposing security vulnerabilities.

Meeting Evolving Member Demands

Credit unions are not only competing to evolve to members’ demands but must also be prepared to fiercely face competition in the banking industry. Banks have adapted to these changes by offering apps, chatbots, and omnichannel experiences, and credit unions must do the same. Credit unions across the U.S. are now embracing web-based core banking solutions and digital banking enhancements to compete – and win – member loyalty over large, corporate banks.

Constellation Digital Partners: Fintech Connect™ and Digital Banking Platform

At Constellation, we have built member-centric digital tools to help credit unions remain innovative and focused on helping people thrive and achieve financial wellness in the digital age.

Enhanced Security with Fintech Connect

Fintech Connect is designed with security at its core. It provides a secure and scalable environment for integrating third-party fintech applications into a credit union’s existing digital ecosystem. The best part: Fintech Connect allows credit unions to manage security centrally and integrate any fintech service into an existing core system.

Improving Member Experience with Personalized Digital Banking

Our Digital Banking Platform is built with the member in mind. The platform enables credit unions to offer personalized digital solutions by leveraging mobile and online experiences, alongside robust, industry-proven security and encryption. From tailored alerts to customized banking basics, the Digital Banking Platform helps credit unions meet all the needs of their members.

Is your credit union looking to improve your digital banking experience?

With the right partner, credit unions create a new digital ecosystem for members. Here’s how to start.

Prioritize security with continuous monitoring.

Choose a partner that provides integration and interoperability.

Leverage member data for better personalization.

Educate and engage credit union members.

Constellation: We are a true partner for credit unions.

A superior digital banking experience is a necessity for credit unions to stay competitive, and the ability to provide must-have digital services starts with building a secure and member-centric digital banking ecosystem. With our Fintech Connect and Digital Banking Platform, we provide credit unions with the solutions and tools needed to prioritize security, seamless integration, and member experience.

Pivoting to digital banking is required to stay competitive, and the transition to providing online solutions starts with building a secure and member-centric digital banking ecosystem. With our Fintech Connect and Digital Banking Platform, we provide credit unions with the solutions and tools needed to prioritize security, seamless integration, and member experience.


Contact Constellation today to take the next step in your credit union’s digital journey.