{"id":52400,"date":"2022-06-16T12:52:06","date_gmt":"2022-06-16T19:52:06","guid":{"rendered":"https:\/\/newrcblog.wpengine.com\/us\/en\/blog\/?p=52400"},"modified":"2025-09-23T19:15:13","modified_gmt":"2025-09-24T02:15:13","slug":"will-fintech-partnerships-help-credit-unions-grow","status":"publish","type":"post","link":"\/us\/en\/blog\/will-fintech-partnerships-help-credit-unions-grow\/","title":{"rendered":"Will fintech partnerships help credit unions grow?"},"content":{"rendered":"<p><b><a id=\"Highlights\"><\/a>Highlights<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Partnering with fintechs may help credit unions appeal to younger, digital-native members.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fintech can help credit unions accelerate their digital-first initiatives.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Performing due diligence and risk assessment before collaborating with fintechs is key.<\/span><\/li>\n<\/ul>\n<hr \/>\n<p><span style=\"font-weight: 400;\">\ud83d\udda5\ufe0f \ud83d\udcf1\ud83d\udc69\ud83c\udffc\u200d\ud83d\udcbb Is your credit union transitioning to digital communications? Grab our handy unified communications selection checklist for credit unions.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\t<\/p>\n<div class=\"download-form-widget enterprise-download-form\" data-url=\"https:\/\/netstorage.ringcentral.com\/documents\/uc_selection_checklist_credit_unions.pdf\" data-id=\"69d1fa7a89013\" id=\"69d1fa7a89013\">\n\t\t<button tabindex=\"on\"  on=\"tap:69d1fa7a89013.toggleClass(class='open')\" class=\"open-modal-download-action download-form-button\" type=\"submit\">\u2705Get the checklist<\/button><\/p>\n<div class=\"download-form-modal\">\n<div class=\"download-form-modal-body\">\n<div class=\"download-form-modal-content\">\n<div class=\"download-form-modal-title\">What are the must-have features for your financial services communications platform? Find out with our free checklist.<\/div>\n<form class=\"download-form ENTERPRISE\" method=\"post\">\n<div class=\"download-form-part\">\n\t\t\t\t\t\t\t<input class=\"download-form-input\" aria-label=\"Full Name\" aria-required=\"true\" aria-invalid=\"false\" type=\"text\" name=\"fullname\" placeholder=\"Full Name\" data-dl-events-hover=\"true\" data-dl-element=\"text\" data-dl-additional-info=\"enterprise download form\">\n\t\t\t\t\t\t<\/div>\n<div class=\"download-form-part\">\n\t\t\t\t\t\t\t<input class=\"download-form-input\" aria-label=\"Email (please enter a work email address)\" aria-required=\"true\" aria-invalid=\"false\" type=\"email\" autocomplete=\"on\" name=\"email\" placeholder=\"Email (please enter a work email address)\" data-dl-events-hover=\"true\" data-dl-element=\"email\" data-dl-additional-info=\"enterprise download form\">\n\t\t\t\t\t\t<\/div>\n<div>\n\t\t\t\t\t\t\t<input type=\"hidden\" name=\"popup_form\" value=\"1\">\n\t\t\t\t\t\t<\/div>\n<div><input type=\"hidden\" name=\"Asset_ID__c\" value=\"ODAM-02378\" class=\"download-form-input\"><\/div>\n<div>\n\t\t\t\t\t\t\t<input type=\"hidden\" name=\"Lead_Entry_Source__c\" value=\"RC Blog Enterprise\" class=\"download-form-input\"\/>\n\t\t\t\t\t\t<\/div>\n<div class=\"download-form-part\">\n\t\t\t\t\t\t\t<button class=\"download-form-submit\" type=\"submit\" data-dl-element=\"button\" data-no-auto-dl=\"true\" data-dl-additional-info=\"enterprise download form\" data-dl-name=\"Get it now\">Get it now<\/button>\n\t\t\t\t\t\t<\/div>\n<\/p><\/form>\n<p> \t\t\t\t\t<button on=\"tap:69d1fa7a89013.toggleClass(class='open')\" role=\"button\" tabindex=\"0\"  class=\"download-form-modal-close\"><\/button>\n\t\t\t\t<\/div>\n<div class=\"download-form-modal-thank\"> Enjoy!<\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>\t<\/span><\/p>\n<hr \/>\n<p><span style=\"font-weight: 400;\">The role of fintech in the financial services sector is growing exponentially. Consumers are increasingly comfortable with virtual banking, embedded finance, and other digital-based finance options. Fintech fills gaps for some traditional financial services providers to help them ramp up their digitization initiatives.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Credit unions looking to increase volume and expand into new markets need to embrace fintech opportunities or risk losing ground to those that do. The following is a look at how the right fintech partnerships can help your credit union grow by expanding into new markets.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\t<\/p>\n<div class=\"rc-subscribe\" id=\"new-rc-subscribe\"  style=\"background-image:url('\/us\/en\/blog\/wp-content\/themes\/ringcentral\/assets\/images\/temp\/subscribe.png')\">\n\t\t<button class=\"close js-popup-close\"><svg class=\"icon_close_mobile\" width=\"20\" height=\"20\"><use xlink:href=\"#icon_close_mobile\"><\/use><\/svg><\/button><\/p>\n<div class=\"rc-subscribe__wrapper\">\n<div class=\"rc-subscribe__wrapper_text\">\n<h3 class=\"rc-subscribe__title h2\">Stay informed with RingCentral<\/h3>\n<div class=\"rc-subscribe__subtitle\">Subscribe to our emails for the latest blogs, events, and exclusive content on AI-powered communication solutions. Stay ahead with insights and tips from the leader in trusted AI communications.<\/p>\n<p>\t\t\t\t\t<a href=\"https:\/\/www.ringcentral.com\/legal\/privacy-notice.html\" target=\"_blank\" data-dl-name=\"Privacy Notic\" data-dl-element=\"link\" data-dl-additional-info=\"social\" rel=\"noreferrer noopener\">Privacy Notice<\/a>\n\t\t\t\t<\/div>\n<\/p><\/div>\n<div class=\"rc-subscribe__wrapper_form\">\n<form class=\"\" data-event-init=\"true\" novalidate data-js-form>\n<div class=\"rc-subscribe__row\">\n\t\t\t\t\t\t<input\n\t\t\t\t\t\t\t\tname=\"email\"\n\t\t\t\t\t\t\t\tplaceholder=\"Email address *\"\n\t\t\t\t\t\t\t\ttitle=\"Must be valid email. example@yourdomain.com\"\n\t\t\t\t\t\t\t\tminlength=\"4\"\n\t\t\t\t\t\t\t\tmaxlength=\"255\"\n\t\t\t\t\t\t\t\ttype=\"email\"\n\t\t\t\t\t\t\t\trequired\n\t\t\t\t\t\t\t\tpattern=\"[a-z0-9._%+\\-]+@[a-z0-9.\\-]+\\.[a-z]{2,}$\"\n\t\t\t\t\t\t\t\tclass=\"field__control\"\n\t\t\t\t\t\t\t\tautocomplete=\"on\"\n\t\t\t\t\t\t\t\taria-required=\"true\"\n\t\t\t\t\t\t\t\tdata-dl-events-hover=\"true\"\n\t\t\t\t\t\t\t\tdata-dl-element=\"email\"\n\t\t\t\t\t\t\t\tdata-dl-additional-info=\"LET'S WORK TOGETHER\"\n\t\t\t\t\t\t\t\taria-label=\"Email address *\"\n\t\t\t\t\t\t\t\taria-errormessage=\"email-subscribe-errors\"\n\t\t\t\t\t\t><br \/>\n\t\t\t\t\t\t<span class=\"field__errors\" id=\"email-subscribe-errors\" data-js-form-field-errors><\/span>\n\t\t\t\t\t<\/div>\n<div class=\"rc-subscribe__row\">\n\t\t\t\t\t\t<select\n\t\t\t\t\t\t\t\tname=\"Country__c\"\n\t\t\t\t\t\t\t\trequired\n\t\t\t\t\t\t\t\tclass=\"field__control\"\n\t\t\t\t\t\t\t\taria-required=\"true\"\n\t\t\t\t\t\t\t\taria-expanded=\"false\"\n\t\t\t\t\t\t\t\taria-label=\"Country *\"\n\t\t\t\t\t\t\t\taria-errormessage=\"country-subscribe-errors\"\n\t\t\t\t\t\t><option value=\"\" disabled=\"disabled\" selected=\"selected\">Country<\/option><option value=\"Canada\">Canada<\/option><option value=\"United_States\">United States<\/option><\/select><\/p>\n<p>\t\t\t\t\t\t<span class=\"field__errors\" id=\"country-subscribe-errors\" data-js-form-field-errors><\/span>\n\t\t\t\t\t<\/div>\n<div class=\"rc-subscribe__row\">\n\t\t\t\t\t\t<button type=\"submit\" data-event-init=\"true\">Subscribe<\/button>\n\t\t\t\t\t<\/div>\n<\/p><\/form>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"confirm-form\" role=\"status\" aria-live=\"polite\" style=\"display: none;\" aria-hidden=\"true\">\n<div class=\"confirm-form__text\">Thank you for your interest in RingCentral<\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>\t<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<h2><b><a id=\"The\"><\/a>The role of shadow banking<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Increased digitization in business and finance has created convergence between activities across sectors. Traditionally, banks offered financing to consumers who used it for various purposes. Now, many non-banking providers in real estate, retail, and other sectors embed financing options into their solutions via fintech partnerships. This integration makes it more seamless for buyers in select markets to purchase and receive financing quickly and conveniently.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The provision of financing by non-bank providers is sometimes referred to as \u201cshadow banking.\u201d According to <\/span><a href=\"https:\/\/www.prnewswire.com\/news-releases\/new-fico-survey-finds-that-the-vast-majority-of-consumers-financial-needs-are-going-unmet-301225795.html\"><span style=\"font-weight: 400;\">FICO<\/span><\/a><span style=\"font-weight: 400;\">, 34 percent (over one-third) of consumers have at least one account or have conducted activity through at least one non-bank financial services provider. This number speaks to the prevalence of nontraditional financing options available and consumer acceptance of shadow opportunities.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<h2><b><a id=\"Appealing\"><\/a>Appealing to younger demographics<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Embracing fintech partnerships is especially important if credit unions have any hope of attracting younger Millennial and Gen Z consumers as members. The majority of people in these generations are digital natives. Digital banking is as natural to them as social media and other activities they have long conducted on a mobile device or tablet.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The FICO survey noted that the percentage of Millennials engaging with shadow banking was much higher (47%) than the overall consumer market. Younger generations aren\u2019t as familiar with the role of credit unions, and likely have never considered them for banking relationships.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The challenge for credit unions is twofold:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">To get more digital-centric, including via fintech partnerships<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">To communicate effectively with younger audiences so they can understand the products, benefits, and digital connections<\/span><\/li>\n<\/ol>\n<p>&nbsp;<\/p>\n<p><img decoding=\"async\" class=\"aligncenter size-full wp-image-52401\" src=\"\/us\/en\/blog\/wp-content\/uploads\/2022\/06\/credit-unions.jpeg\" alt=\"A woman online shopping using her laptop\" width=\"930\" height=\"667\" \/><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<h2><b><a id=\"Fintech\"><\/a>Fintech for faster transformation<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Understanding the need to transform into a digital-first culture is only part of the battle for credit unions. It takes money, time, and resources to develop a strategy, identify the right tech solutions, implement them, train employees on how to use them, and communicate with customers about their availability.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The problem for legacy credit unions with established ways of doing things is that it takes time to transform your infrastructure and culture. That\u2019s why fintech partnerships are so appealing. Fintech is grounded in fast, nimble tech development, and high-quality\u00a0<a title=\"https:\/\/urldefense.com\/v3\/__https:\/\/codeandpepper.com\/services\/financial-software-development-services\/__;!!J-1DKIBqn-Pi!BRhAqrwm_5EfkW9Tv7VmTYRrBuckP3zais2of_wcS_QEQ5ubRBMS1ixAMea1E5NwDAwsu7xzdWUlF0oZI418k_-YPu5YBUhE0A$\" href=\"https:\/\/codeandpepper.com\/services\/financial-software-development-services\/\" target=\"_blank\" rel=\"noopener noreferrer\" data-auth=\"NotApplicable\" data-linkindex=\"0\"><span id=\"x_gmail-mt-tracked-link_3_1754564023089\"><\/span>fintech development services<\/a> that mesh effectively with existing partner platforms and tools. In essence, it offers a shortcut for credit unions to offer consumers the digital functionality they expect in a limited amount of time.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<h2><b><a id=\"Developing\"><\/a>Developing partnerships<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">If you recognize the advantages of digitizing through fintech, the next step is to evaluate potential partners and strategies. For example, <a href=\"https:\/\/akurateco.com\/white-label-fintech-solutions\">white label fintech solutions<\/a> can be a great way for credit unions to integrate advanced financial services into their offerings without the need to develop everything from scratch. In the evolving area of embedded finance, credit unions have many innovative ways to enter select markets.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Some fintech solutions are industry-specific. They are designed to infuse seamless banking into non-banking processes. The following are examples of ways fintech currently fits into the finance sector:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Real estate brokers embedding direct financing options into the home-buying process<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Embedded loan options available with purchases of expensive equipment or machinery<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Smaller-scale financing plans offered to retail buyers at the time of purchase<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">There are several ways to explore possible partnerships that make sense for your credit union. One is to identify consumer or commercial sectors you consider opportune for garnering market share, then research fintech developers that could help you enter that space. Another is to buy loans from digital lenders that don\u2019t want to carry the loans to term. Instead, they provide direct financing access to the market and then sell the loans off for long-term management.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<h2><b><a id=\"Due\"><\/a>Due diligence and risk evaluation<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Fintech\u2019s rise has led to some new players in this space in the last several years. Thus, to find the right partnerships, credit unions must carefully vet developers and conduct thorough due diligence.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Quality, experienced fintech developers should have proofs of concept to demonstrate to you. Look at other partnerships or solutions they have in place. Consider user reviews of their solutions, as well as any industry articles, feedback, or other insights on the merits of their work. Talk with industry peers to get additional perspective.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The background and history of the founders and leaders of fintech companies are also important to scrutinize. Often, tech developers shift from one company or project to the next. Ideally, you will see a long history of successful product development and implementation.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Think about any existing partnerships or collaborations the fintech developer has in place. Beyond the technological capabilities, it is important to partner with a provider that gives you access to new markets and has similar values and company philosophies.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<h2><b><a id=\"Why\"><\/a>Why unified communications are key to credit union growth with fintech<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">In addition to finding the fintech partnerships that make sense for your credit union, you must also ensure that your communications systems are equipped to handle integration with the fintech partner as well as any member outreach you will do to make your members aware of new products or services enabled by those partnerships.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Cloud-based unified communications (UCaaS) systems can help you bridge any communications gaps as you introduce new partnerships into your product mix. Look for a UCaaS solution with API integration capabilities to streamline your implementation.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<h2><b><a id=\"Let\"><\/a>Let RingCentral help your credit union grow<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Credit unions face stiff competition in the financial services sector. Virtual banks have expanded, and many unconventional digital products appeal to younger consumers. To grow, credit unions must explore partnership avenues with fintech that allow for access to new markets.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A cloud-based communications platform is a key foundational technology that equips your team with the necessary tools to meet market demands. Consumers want convenient, fast, secure, omnichannel access. Your agents also benefit from seamless platform transitions and improved collaboration. Finally, any fintech partnerships you pursue can be facilitated by a UCaaS solution with API integration capabilities.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">RingCentral is a market-leading UCaaS solution that integrates seamlessly with hundreds of business systems via APIs. Leveraging RingCentral enables credit unions to streamline communications for internal and external stakeholders, giving them a distinct competitive advantage over their less agile counterparts.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Why not let RingCentral show your credit union what it can do? <\/span><a href=\"https:\/\/www.ringcentral.com\/view_demo.html?__mscta=2881_91379_3444\"><span style=\"font-weight: 400;\">See how it works with a free demo<\/span><\/a><span style=\"font-weight: 400;\">!<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Highlights Partnering with fintechs may help credit unions appeal to younger, digital-native members. Fintech can help credit unions accelerate their digital-first initiatives. Performing due diligence and risk assessment before collaborating with fintechs is key. \ud83d\udda5\ufe0f \ud83d\udcf1\ud83d\udc69\ud83c\udffc\u200d\ud83d\udcbb Is your credit union transitioning to digital communications? Grab our handy unified communications selection checklist for credit unions. The &#8230;<\/p>\n","protected":false},"author":1120,"featured_media":52403,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[18836],"tags":[40811],"class_list":["post-52400","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial-services","tag-credit-union-communications"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v19.3 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Will fintech partnerships help credit unions grow? | RingCentral Blog<\/title>\n<meta name=\"description\" content=\"Fintech has taken an important place in the financial services sector. 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