Conductiv

𝗤𝘂𝗲𝘀𝘁𝗶𝗼𝗻𝘀 𝗘𝘃𝗲𝗿𝘆 𝗖𝗟𝗢 𝗜𝘀 𝗔𝘀𝗸𝗶𝗻𝗴 | #2 Where is deterioration appearing in the portfolio, and how early can you see it? Delinquency only tells you something has already happened- after the fact. The more valuable information may be the signals that appear before that point. Changes in income, cash flow, account behavior or other financial circumstances can add context to what is happening with a borrower before the traditional indicators become obvious. For lending and collections leaders, earlier visibility creates options. It can help teams determine where closer attention is warranted, where outreach might be appropriate, and where portfolio risk may be beginning to change. The challenge is getting that information into the workflow early enough to use it. Seeing more of the borrower’s current financial picture can create more time to act, and that's where Conductiv comes in. #CreditRisk #PortfolioManagement #CreditUnions #Collections #Lending

✳️ NEW EPISODE COMING SOON ✳️ 𝐖𝐡𝐨 𝐨𝐰𝐧𝐬 𝐀𝐈 𝐢𝐧𝐬𝐢𝐝𝐞 𝐚 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐢𝐧𝐬𝐭𝐢𝐭𝐮𝐭𝐢𝐨𝐧? Is it a technology decision? A data decision? A risk and governance decision? Or, increasingly, is it a leadership decision? That’s at the heart of 𝘌𝘱𝘪𝘴𝘰𝘥𝘦 2 𝘰𝘧 𝘛𝘩𝘦 𝘐𝘯𝘵𝘦𝘭𝘭𝘪𝘨𝘦𝘯𝘵 𝘍𝘐 𝘱𝘰𝘥𝘤𝘢𝘴𝘵, as host and Conductiv CEO, Gopal Swamy sits down with Kathy Bader Courtney, President of Opmodi (Formerly AI Studio) to talk about what responsible AI adoption actually looks like inside credit unions, as well as the bigger challenge of moving AI beyond experimentation and toward measurable value. 🎙️ Episode 2: AI Is a Leadership Decision — coming soon. 𝐖𝐚𝐧𝐭 𝐭𝐨 𝐡𝐞𝐚𝐫 𝐭𝐡𝐞 𝐟𝐮𝐥𝐥 𝐜𝐨𝐧𝐯𝐞𝐫𝐬𝐚𝐭𝐢𝐨𝐧? Subscribe to The Intelligent FI on YouTube, Apple Podcasts or Spotify, to receive new episode notifications, or sign up for podcast updates here> https://lnkd.in/eH-7tgZ9 to have new episodes sent straight to you. #TheIntelligentFI #CreditUnions #AI #CreditUnionLeadership #FinancialServices

"I don't want to be treated like part of a production line." That's the expectation Jay Mossman (CEO, AKUVO) says every member and customer holds today whether they're 25 or 75, whether they bank with a credit union or a community bank. In this sneak peek of episode 1 of The Intelligent FI, our new podcast for banks and credit unions, host Gopal Swamy (CEO, Conductiv) sits down with Jay to unpack what "empathy without friction" actually looks like in practice: no repeating your story three times, no hold music, no maze of a process. Just dignity, and a solution that fits the person in front of you. Younger members want speed and self-service. Older members still value a human voice, but they're leaning digital too. The common thread? Everyone wants to be seen as a person, not a case number. 🎉 Episode 1 drops next week. Follow along so you don't miss it. 🎙️ Subscribe now on Spotify https://lnkd.in/eyCGZFhj or Apple https://lnkd.in/eZeJgB47 podcasts. #TheIntelligentFI #CreditUnions #Banking #MemberExperience #Fintech #Podcast

𝐃𝐨𝐞𝐬 𝐲𝐨𝐮𝐫 𝐥𝐞𝐧𝐝𝐢𝐧𝐠 𝐦𝐨𝐝𝐞𝐥 𝐡𝐚𝐯𝐞 𝐚𝐥𝐥 𝐭𝐡𝐞 𝐢𝐧𝐟𝐨𝐫𝐦𝐚𝐭𝐢𝐨𝐧 𝐢𝐭 𝐧𝐞𝐞𝐝𝐬? When institutions look for opportunities to increase approvals or grow lending, attention can quickly turn to underwriting criteria, scorecards and risk appetite. But there is another place to look first: ➡️ The information reaching those models. If relevant borrower data is unavailable, fragmented or difficult to incorporate into the lending workflow, even a strong decisioning process is working with an incomplete picture. Improving lending outcomes does not always require changing how you make decisions. Sometimes it means improving what those decisions are based on. Where would better borrower data have the greatest impact in your lending process today? #Lending #CreditUnions #CommunityBanks #BankingTechnology

𝐇𝐨𝐰 𝐦𝐚𝐧𝐲 𝐨𝐟 𝐲𝐨𝐮𝐫 𝐌𝐞𝐦𝐛𝐞𝐫𝐬 𝐚𝐫𝐞 𝐛𝐞𝐢𝐧𝐠 𝐝𝐞𝐜𝐥𝐢𝐧𝐞𝐝 𝐛𝐞𝐜𝐚𝐮𝐬𝐞 𝐲𝐨𝐮𝐫 𝐥𝐞𝐧𝐝𝐢𝐧𝐠 𝐩𝐫𝐨𝐜𝐞𝐬𝐬 𝐝𝐨𝐞𝐬 𝐧𝐨𝐭 𝐡𝐚𝐯𝐞 𝐞𝐧𝐨𝐮𝐠𝐡 𝐢𝐧𝐟𝐨𝐫𝐦𝐚𝐭𝐢𝐨𝐧? A decline can sometimes reflect the limits of the data available at that moment, rather than the full financial picture of the borrower. Additional permissioned data can provide more context around areas such as income, cash flow and financial behavior, giving credit unions another opportunity to understand Members who fall outside conventional approval parameters. This does not have to mean changing the institution’s underwriting models. It can mean giving those models better information to work with. So perhaps the question is not simply: “𝘏𝘰𝘸 𝘥𝘰 𝘸𝘦 𝘢𝘱𝘱𝘳𝘰𝘷𝘦 𝘮𝘰𝘳𝘦 𝘭𝘰𝘢𝘯𝘴?” It is: “𝘈𝘳𝘦 𝘵𝘩𝘦𝘳𝘦 𝘔𝘦𝘮𝘣𝘦𝘳𝘴 𝘸𝘦 𝘸𝘰𝘶𝘭𝘥 𝘢𝘭𝘳𝘦𝘢𝘥𝘺 𝘸𝘢𝘯𝘵 𝘵𝘰 𝘭𝘦𝘯𝘥 𝘵𝘰 𝘪𝘧 𝘸𝘦 𝘤𝘰𝘶𝘭𝘥 𝘴𝘦𝘦 𝘮𝘰𝘳𝘦 𝘰𝘧 𝘵𝘩𝘦 𝘱𝘪𝘤𝘵𝘶𝘳𝘦?” Is your credit union declining Members because you don't have enough data? Read more at the link: https://lnkd.in/evxdVN2U #CreditUnions #CommunityBanks #ConsumerLending #LendingInnovation

We're proud to share the results our partner OCCU | Oregon Community Credit Union is seeing with Conductiv. Helping a credit union like OCCU move faster, reduce fraud risk, and free up its underwriters for the applications that need a human eye — this is exactly the impact we set out to deliver. 🎉 Congratulations to the OCCU team! We love seeing what our partners can do once the manual grind is off their plate! Read the full story: https://lnkd.in/eNs6y2Yh #CreditUnions #IndirectLending #FinTech #AI #LendingTechnology #PressRelease