Value Stream:
Recruit
Centric AI identifies high-fit prospects, automates eligibility and enrolment, and optimises acquisition costs—without requiring heavy infrastructure.
Overview
Member acquisition is mission-critical. Credit unions must attract the right members efficiently. Centric AI helps identify high-fit prospects, automate eligibility and enrolment, and optimise acquisition-costs without heavy infrastructure.
Key Statistics
“The average member acquisition cost is US $489 for top 100 credit unions.” (Finopotamus, 2024)
“Over 40% of credit-union executives don’t know their own acquisition cost.” (CUNA Strategic Services, 2025)
“Member retention (rather than acquisition) is lauded as the backbone of credit-union growth and profitability.” (Interface.ai, 2024)
Rising acquisition costs
Marketing, eligibility checking and onboarding require high manual effort and budget per member.
Unclear member quality
Unqualified or low-value members join, reducing long-term portfolio value.
Labour-intensive onboarding
Manual KYC, referral checks and group affiliation slow time to enrol and frustrate prospects.
Disconnected acquisition channels
Marketing, referral, field enrolment and KYC run on separate systems with little insight.
Generic product matching
New members receive standard savings/loan offers regardless of their profile or need.
Budget pressures; high cost per new member; diminishing returns.
Poor member lifetime value; weak engagement; retention risk.
Drop-off during registration; sub-optimal enrolment experience.
Inefficient channels; duplicate effort; poor data cohesion.
Low uptake of first products; weak early engagement.
Centric AI predicts member fit, optimises spend per channel, and lowers cost-to-acquire.
Centric AI scores prospects by projected value and risk to focus on high-fit applicants.
Centric AI automates eligibility, KYC verification and group matching for faster enrolment.
Centric AI unifies data across sources, enabling seamless channel orchestration and insight.
Centric AI recommends the most relevant savings or credit products at enrolment time.
