COLUMBIA, Md.–Credit unions continue to buy new products and solutions for all aspects of their operations, almost as quickly as providers are introducing them. Here is an overview of some of the latest:
Cache Wins MDDCUA’s FinTank Competition
COLUMBIA, Md.–Cache, an autonomous money management platform for households, won the MD|DC Credit Union Association’s fifth annual FinTank competition.
The 2025 winner was announced on the second day of the association’s Tech Summit, where four fintech companies presented innovative solutions designed to address the most pressing challenges facing credit unions. Cache was selected by summit attendees through live voting.
“Cache is honored to be named the winner of the MD|DC Credit Union Association’s 2025 FinTank competition,” Dr. Liran Eliner, CEO of Cache, said in a statement. “At Cache, we are committed to advancing the credit union mission of improving member financial well-being through AI-powered financial automation. The MD|DC Tech Summit underscored that financial enablement should not only be a mission statement for credit unions, but also their most powerful growth opportunity. We’re excited to partner with credit unions to turn this opportunity into reality.”
According to Dr. Eliner, Cache is reinventing the member experience with an autonomous money management platform that saves the average middle-class family thousands of dollars a year. With Cache, credit unions increase member engagement and retention, attract a younger member base, and gain visibility into accounts at other financial institutions, increasing their ability to upsell hyper-personalized products and improve underwriting.
“Congratulations to all of our competitors,” said John Bratsakis, president and CEO of the MD|DC Credit Union Association. “FinTank is a great opportunity to engage directly with fintechs developing solutions tailored to address the specific needs of credit unions.”
In addition to Cache, the 2025 FinTank competition featured fintech innovators Housetable, RiskScout, and ScreenSteps.
Tyfone, BioCatch in Partnership to Prevent Crime
PORTLAND, Ore.— Digital banking solutions provider Tyfone has announced a partnership with BioCatch, which prevents financial crime by recognizing patterns in human behavior, to help community financial institutions (proactively detect and prevent fraudulent activity across digital channels.
“BioCatch’s behavior- and device-based Account Takeover Protection solution is now seamlessly integrated with Tyfone’s nFinia Digital Banking Platform, a configurable solution designed to meet the evolving needs of both retail and commercial banking customers,” the companies said.
The organizations added that the addition of BioCatch’s real-time behavioral analytics to Tyfone’s nFinia platform provides CFIs with an additional layer of security, including the ability to safeguard accountholders from increasingly sophisticated social engineering scams, remote access tool (RAT) attacks and mule account creation. BioCatch’s Account Takeover Protection solution continuously analyzes web and mobile sessions in real time, detecting subtle anomalies in user behavior, devices, networks and installed applications.
Southern Chautauqua Selects Salus Platform Sentinel
LAKEWOOD, N.Y.–Southern Chautauqua FCU is reporting that through a collaboration Salus’ advanced data analytics platform, Sentinel, it has been able to identify successful lending patterns and expand access to affordable financial services among its low-income membership.
SCFCU said it is “Doing Well by Doing Good” by working with Salus on its data to continue serving ALICE (Asset Limited, Income Constrained, Employed) households.
“ALICE families are good people that are just trying to make ends meet, good people that want to take their kids on vacation,” SCFCU CEO John Felton said in a statement. “We work with our families. We talk to them, we help prioritize what they’re looking for, and we try to make the best decisions possible by talking to people.”
The credit union said it has achieved a 16% capital ratio and ROA of more than 2% while maintaining a mission-focused approach to community lending.
In a statement, Salus said, “Our platform will help them scale their impact by identifying the characteristics that predict success, allowing (SCFCU) to serve more people in need while maintaining their impressive performance metrics. This is exactly the kind of mission-driven partnership that demonstrates how technology can amplify human-centered financial services.”
Genisys Credit Union Selects Floify Platform
BOULDER, Colo.— Floify, a mortgage point-of-sale (POS) solution, announced that Genisys Credit Union has selected its platform to streamline mortgage lending workflows and deliver an improved member experience.
The partnership reflects Genisys’ focus on flexible technology solutions and Floify’s commitment to supporting credit unions with scalable tools, the company said.
Auburn Hills, Mich.-based Genisys, which has more than 290,000 members, is fully implementing Floify to modernize and replace outdated legacy systems.
“With Floify, loan officers can manage multiple workflows seamlessly, supporting traditional loan products and specialized offerings such as new construction and home equity lines of credit (HELOCs),” the company said. “The platform enhances efficiency, streamlines borrower experiences and positions Genisys to stay ahead of industry demands. Genisys looks forward to learning more about Floify’s forthcoming Dynamic AI feature, further boosting automation and the ability to customize workflows.”
“Floify appears very easy to navigate for users with an embedded verification workflow, and it is cost-effective,” VP-Real Estate Lending Lance Smith said in a statement. “I see Floify significantly enhancing our customer experience, data gathering at POS, and developing some excellent AI tools, all of which help the efficiency of our sales team.”
AgentIQ Launches ‘SmartLynq’ Generative AI Assistant
AUSTIN, Texas–Agent IQ, a provider of AI-powered relationship banking, has announced the launch of SmartLynq, which it said is a secure generative AI-based knowledge assistant designed specifically for financial institutions.
“SmartLynq is vital for financial institutions, where leaders continue to grapple with widespread, unsupervised AI use among employees,” the company said in a statement. “McKinsey exposes a dangerous disconnect. C-suite executives believe only 4% of employees regularly use generative AI for work, compared to 41% of employees who say they do so regularly. Even more troubling, 70% of employees using ChatGPT at work are not telling their bosses.
“This gap has created a compliance crisis: when employees input sensitive member data into public AI tools, that information enters global training datasets, creating unauthorized data sharing that violates financial regulations,” the statement continued. “In response, financial institutions have established strict AI policies, but enforcing those policies is challenging.”
According to Agent IQ, SmartLynq solves this challenge by providing financial leaders with complete oversight while giving employees the AI tools they want to use, but in a secure, compliant environment.
“Unlike public AI tools, SmartLynq operates as a contained ecosystem that searches exclusively within an institution’s approved materials: internal documents, PDFs, slide decks, websites, and procedural guides,” it said. “When employees ask questions that fall outside pre-approved knowledge boundaries, the system explicitly states this limitation rather than generating potentially inaccurate responses from external sources.”
True North FCU Moves to Mahalo Banking Platform
TROY, Mich.–True North FCU said it has officially launched its new digital banking platform powered by Mahalo Banking.
Earlier this year, True North selected Mahalo not only for its deep Corelation Keystone integration and advanced fraud prevention, but also for the company’s reputation for expertise, responsiveness, and a team that partners closely with credit unions throughout every step of the process, according to the organization.
“Launching the Mahalo platform is an exciting milestone for the credit union and our members,” TNCU President and CEO Lauren MacVay said in a statement. “Our integration was 100% on time and absolutely seamless, largely due to Mahalo’s close collaboration with our team. The Thoughtful Banking solution empowers us to deliver a modern, intuitive digital experience that is incredibly member-friendly and secure.”
According to the company, True North members now have access to advanced fraud prevention tools, including Mahalo’s Credential Assurance Technology (CAT), which helps defend against credential-stuffing attacks and other cybersecurity threats. “
CD Valet Adds ‘Best CD Rates by State Map’
SEATTLE – CD Valet, a digital marketplace that connects consumers with the best CD rates and terms nationwide, has launched Best CD Rates by State Map, an interactive map of the U.S. that displays the top CD rates from banks and credit unions by state.
The intuitive tool helps consumers ensure they are finding the best rates so they can maximize earnings on their savings, the company said.
“CD Valet’s Best CD Rates by State Map provides a seamless experience; the tool’s design is responsive, working well on both mobile devices and desktop browsers,” the company said in a statement. “Consumers can quickly find exactly what they’re looking for; they can easily search by state and filter by term or institution type, with a direct link to the institution’s profile on CD Valet. The rates are updated automatically through a seamless API connection, ensuring the information is current and accurate.:
The company noted the CD market currently represents more than $2.7 billion, with more than 20 million households across the country investing their savings into CDs, yet many consumers “fail to realize that smaller banks and credit unions typically offer the best rates.”
