Fintech companies continue to integrate AI-driven features into their mobile apps, including predictive financial insights, automated savings recommendations, and real-time alerts. These enhancements are reshaping member expectations around convenience and personalization.

Even if members don’t switch providers, they benchmark their credit union experience against the technology they use daily — often expecting the same level of intelligence and speed.

Experts say this trend underscores the importance of investing in member-experience improvements, even at smaller institutions.