Help Your Members Spend Smarter

A white-label financial insights engine that plugs into your digital banking experience for credit union members.

Built for credit unions & community financial institutions

Subscription detection, spending trends, and bill-increase alerts — embedded directly into your mobile and online banking with a lightweight, secure integration.

Start Your Pilot

Currently interviewing forward-thinking credit unions for our early access program.

9:41

Why This Matters for Credit Unions

Your members are losing money — your credit union can help them get it back and deepen primary relationships.

Spending Insights

Give members a clear view of where their money goes — by category, merchant, and trend. Turn your credit union’s digital banking into a daily financial wellness tool instead of just a balance checker.

Subscription Detection

Automatically identify recurring charges, from streaming services to insurance premiums. No more guesswork — members see every subscription in one place, powered by your credit union’s transaction data.

Price-Increase Alerts

Catch “price creep” before it drains member budgets. We notify members when a merchant quietly bumps up a fee, helping your institution become the partner that protects them.

Duplicate Charge Detection

Identify accidental double billing or unexpected repeat charges. Helping members keep more of their money — and reducing disputes and service calls for your team.

Cancellation Guidance

Support your members with step-by-step guidance on canceling unwanted subscriptions.

Your credit union’s brand stays the hero in your digital banking. We simply provide the intelligence behind the experience.

How It Works for Your Credit Union

A lightweight integration designed for credit union security, speed, and compliance — without touching your core.

On-Premise Data Sanitization

Your institution deploys a small, secure on-premise (or VPC-hosted) sanitizer. It tokenizes member identifiers using anonymous hashes, encrypts transaction data, and sends only pseudonymized behavioral data to our platform. The linkage key that maps activity to member identity never leaves your environment — ensuring zero-identity-knowledge processing.

Enrichment Engine

Our backend receives only sanitized transaction data. We normalize merchants, detect subscriptions, identify price increases, categorize spending, and flag duplicate charges — all automatically, using your existing digital banking transaction feed.

Embedded Experience

Your mobile app seamlessly renders a secure, cloud-hosted module. No heavyweight SDKs, no app store approvals, no core dependencies. It feels completely native and matches your brand perfectly.

Member Insights Delivered

Members see clear spending insights, subscription lists, and actionable guidance — all inside your existing digital banking app, with no need for them to connect third-party apps or share credentials elsewhere.

Expertise You Can Rely On

Our platform is built with the same standards used by top fintechs — secure, accurate, and designed specifically for credit unions and community institutions.

You benefit from senior-level engineering and machine learning intelligence without needing to hire or manage a dedicated analytics team.

Capabilities

Secure, compliant architecture for regulated financial institutions
Advanced subscription & merchant analytics tuned for member behavior
Accurate spending categorization to power financial wellness tools
Continuous improvements and new insights as member behavior evolves

You Can’t Cost-Cut Your Way to Growth.
You Need Stickier Relationships.

The Shrink is Real

54% of credit unions had fewer members in Q3 2024 than the year prior.

Source: NCUA Q3 2024 Map Review

Credit Quality is Flashing Red

Delinquency and charge-offs are at their highest point in over a decade, putting pressure on margins and capital.

Source: Analysis of NCUA Delinquency & Charge-off Trends

The Strategy: Retention as the New Growth

When acquisition is flat and credit is tight for credit unions, your existing member base becomes your most important lever for profitability. You cannot afford to lose prime members to big banks, and you cannot afford to let struggling members drift toward delinquency without support and guidance.

What the Data Says

Digital Stops the Bleeding

Digital banking customers are 35% less likely to churn over 15 months, especially when they use value-added tools.

Source: Digital Engagement Study (via West Monroe)

0×

Engagement Equals Profit

Highly engaged digital members are many times more likely to stay with their primary institution and deepen their relationship.

Source: Industry Digital Engagement Research

The Demand Is Here

Around 80% of consumers want more personalized budgeting and spending guidance from their primary institution — if you don’t provide it, a fintech will.

Source: EY Consumer Banking Research

Where Our Platform Fits

We provide a white-label financial insight engine that embeds directly into your digital banking experience — designed to support your CEO’s growth goals, CRO’s risk strategy, and CIO’s security requirements.

For the CEO

Reduces churn and transforms your app from a balance-checker into a daily financial habit that differentiates your credit union.

For the CRO

Improves member resilience. Better budgeting tools reduce delinquency and increase repayment stability across your portfolio.

For the CIO

Zero-Identity-Knowledge architecture. AIXFIN processes transaction behavior without access to member identities. No heavy core integration. Deploys faster than internal roadmaps allow, while respecting your security posture.

Frequently Asked Questions

Answers to common questions from credit union leaders about integration, security, and member impact.

Is this built specifically for credit unions and community banks?

Yes. AIXFIN.IO is designed for regulated, member-owned financial institutions. The product, language, and integration patterns are tailored to credit unions and community-focused banks that want to improve digital engagement and financial wellness without building a full analytics team in-house.

How does your Zero-Identity-Knowledge model work?

AIXFIN operates as a Zero-Identity-Knowledge processor. We receive pseudonymized transaction data (merchant, amount, date) but never the linkage key that maps activity to a specific member. Your on-premise sanitizer tokenizes member identifiers using anonymous hashes before transmission. Even if our platform were compromised, we cannot independently identify individuals — we know what happened (spending behavior), but not who did it (identity).

How does this integrate with our existing digital banking / mobile app?

We use a white-label WebView module that you can launch from your existing mobile or online banking experience. No heavy SDKs and no core rewrite. Your team controls navigation and branding; we provide the insights and UI inside that frame.

Will this work with our current core and online banking provider?

In most cases, yes. We work off of transaction export feeds or APIs that you already use for reporting, data warehouse, or digital channels. During the discovery call, we’ll review your current core, digital provider, and data pipelines to confirm the simplest integration path.

How does this help with member retention and engagement?

Members log in more often when they see useful, personalized insights instead of static balances. Subscription visibility, spending breakdowns, and bill-increase alerts turn your digital banking into a daily money-management hub — which makes your institution harder to leave and easier to recommend.

How long does a typical pilot or rollout take?

For most credit unions, we target a 30–60 day pilot, depending on your internal review process and data export setup. Because we avoid core changes and heavy SDKs, the technical lift is usually light compared to traditional projects.

What about fraud detection and real-time use cases?

The current focus of AIXFIN.IO is member-facing financial wellness — spending insights, subscription management, and bill-awareness. The same data foundation can later support risk and fraud analytics, but we start where we can deliver fast, visible value to members and your leadership team.

What does pricing look like for early access credit unions?

Early access partners receive preferred pricing and direct input into the roadmap. Pricing is typically a simple monthly fee, with room for pilots and experiments. We’ll walk through options on the discovery call based on your goals.

Still have questions? Reach out and we’ll be happy to talk through your specific situation.