Member interest in mobile access to their credit union accounts continues to rapidly increase as smartphone use accelerates, not only with those who need to communicate, but also with those members who increasingly see an opportunity to conveniently transact in today's busy schedule. And the younger members expect the technology to be part of everyday life.

        The benefit of providing the ability to check balances, locate ATMs, branch addresses, and pay bills, responds to this emerging demand. Not only is access greatly increased, but the return on investment for your credit union increases as new capability and services are added to for the growing members, who expect this channel for product and service access.

• As smartphones and tablets become increasingly the methods of personal transactions, increased loyalty builds, strengthening credit union customer bonds.


• Cost of servicing these members decreases as transactions move from the on-line, high cost channel to the low cost mobile channel increasing customer service and product margins.


• Enhanced functionality such as person to person (P2P) payment, remote check capture (RDC) and increased information access, generate new services of potential revenue while providing new, innovative means of member service.


• As new potential members are considering what and where banking services can be accessed, mobile banking, as a delievery channel, greatly increases the required conveinence factor they need, just as card based transactions did for prior generations.