Value Stream:
Deepen
Centric AI identifies member needs, recommends the right products, and supports advisory efforts—sustainably growing long-term value.
Overview
Deepening relationships strengthens financial wellbeing and cooperative growth. Centric AI helps credit unions identify member needs, recommend the right products, and guide advisory efforts—growing long-term value sustainably.
Key Statistics
“Cross-sell effectiveness can improve by 20–30% with AI-driven personalization.” (McKinsey & Company, 2023)
“Organizations using data-driven financial health insights increase product adoption by 25%+.” (Accenture, 2024)
“Members who use 3+ credit union products are significantly more loyal and profitable.” (Credit Union National Association – CUNA, 2023)
Low product adoption
Members only use one or two services, limiting revenue and financial impact.
Generic financial guidance
Advisory and education are delivered uniformly, without tailoring to member needs or financial behavior.
Missed business & SME opportunities
Micro-business owners and SMEs lack targeted advisory or relevant product recommendations.
Manual cross-sell workflow
Officers rely on intuition or limited data to recommend products.
Limited view of member lifetime value
Poor visibility into merchant lifecycle health, usage depth, and product adoption.
Growth targets unmet; competitors capturing complementary products.
Low engagement in financial literacy and advisory programs.
SME loan penetration stagnates; members seek external financial partners.
Inconsistent cross-sell outcomes; low officer productivity.
Analyze competitor performance and market positioning to uncover opportunities and inform future growth strategies.
Product Affinity Modeling
Centric AI identifies the next-best savings, credit, or insurance product for each member.
Financial Health Scoring
Centric AI assesses member financial wellbeing and triggers relevant education or advisory support.
SME Advisory Intelligence
Centric AI surfaces business needs and recommends capital, insurance, or advisory products.
Next-Best-Offer Engine
Centric AI automates personalized recommendations based on behavior and lifecycle stage.
CLV Predictor
Centric AI predicts lifetime value, helping prioritize high-impact engagements and products.
