TORRANCE, California.–Credit unions getting ‘Happy,’ embedded payment solutions, a new loan servicing company and more can be found in this latest edition of The CU Shopper from the CU Daily.
Here’s an updated look at the newest solutions being offered, in addition to where credit unions are spending their money.
MSUFCU Deploys New Happy Money Partner-Branded Program
TORRANCE, Calif.— Happy Money announced the launch of its Partner-Branded Program, which allows financial institutions to offer personal loans to members using the institution’s brand while Happy Money manages marketing and the full lending process.
The program includes partner-branded marketing and embedded delivery capabilities designed to help financial institutions expand lending without building new marketing or operational infrastructure, according to the company.
Happy Money said the program leverages its lending platform, Hive, and its performance marketing capabilities to generate loan demand while handling underwriting, origination and servicing.
MSU Federal Credit Union has deployed the program following a multi-year partnership with Happy Money, the company said.
“Over the past four years, Happy Money has been a strong partner in helping us grow lending in a way that reflects how we serve our members,” said Ami Iceman Haueter, chief experience officer for MSU Federal Credit Union.
‘Multichannel Approach’
According to Happy Money, the program uses a multichannel approach that includes direct mail, email, digital media and affiliate partnerships to reach both existing members and potential borrowers within an institution’s geographic footprint.
Matt Tomko, Happy Money’s chief revenue officer, said the program aims to help institutions pursue growth strategies focused on strengthening relationships rather than simply increasing loan volumes.
“Our Partner-Branded Program enables institutions to serve their communities while driving loyalty and engagement with their brand,” Tomko said.
The company said institutions participating in the program can expand their lending portfolios and acquire new borrowers without additional marketing costs, while Happy Money manages the lending lifecycle from acquisition through servicing.
Payfinia, CU*SOUTH Partner to Offer Embedded Payment, Digital Wallet Services
WASHINGTON— Payfinia has announced a partnership with CU*SOUTH that will provide credit unions access to embedded payment and digital wallet services through Payfinia’s open payments infrastructure.
The partnership was announced during the Governmental Affairs Conference and will allow CU*SOUTH member credit unions to use Payfinia’s Instant Payment Xchange network to support real-time money movement through the FedNow Service and RTP Network.
CU*SOUTH is a credit union-owned service organization that provides technology and operational support to credit unions.
Bob West, CEO of CU*SOUTH, said the partnership is intended to expand the payments capabilities available to member credit unions.
“Payfinia brings a modern approach to payments that aligns well with how our credit unions think about growth and member service,” West said in a statement.
According to the companies, the integration will allow credit unions to enable account-to-account payments and digital wallet services within their existing core and digital banking systems.
Extending Brand
The companies said the digital wallet services will allow credit unions to extend their brand within digital payment experiences while supporting consumer and business transactions.
Keith Riddle, general manager of Payfinia, said credit unions face increasing pressure to deliver real-time financial services and digital payment options.
“By partnering with CU*SOUTH, we are extending our open payments framework to more credit unions,” Riddle said in a statement.
The companies said the collaboration is designed to help credit unions improve payment speed, reduce friction in money movement and adapt to changing payment technologies and member expectations.
CU1 Selects Prospera from BankSocial
DALLAS— CU1 has selected Prospera, BankSocial’s embedded digital investment platform, expanding the credit union’s partnership with BankSocial, the company announced.
Under the agreement, CU1 will deploy Prospera within its digital banking environment, enabling members to access stock trading, digital assets and other investment tools directly through the credit union’s existing platform.
BankSocial said the technology allows financial institutions to integrate digital investing capabilities into their own applications rather than directing members to third-party fintech platforms.
John Wingate, founder and CEO of BankSocial, said the initiative reflects growing demand among consumers for integrated wealth tools within their primary financial institution.
“By selecting Prospera, CU1 is positioning itself to meet the rising demand for integrated digital wealth,” Wingate said in a statement.
According to BankSocial, the platform allows credit unions to offer stock and digital asset trading while maintaining compliance and security standards within the institution’s existing infrastructure.
Retaining Deposits, Younger Members
The company said the system is designed to help credit unions retain deposits, attract younger members and generate additional noninterest income.
A CU1 executive said the credit union views the expanded partnership as part of a broader effort to modernize its digital services while maintaining cooperative values.
“By implementing Prospera, we are delivering innovation responsibly, in a way that aligns with our mission and strengthens long-term member value,” the executive said.
Prospera is part of BankSocial’s broader financial technology ecosystem, which also includes real-time payments, digital wallets and compliance tools designed for regulated financial institutions, the company said.
Tyfone Forms New Loan Servicing Company, Loanovia
WASHINGTON— Digital banking provider Tyfone has announced the formation of Loanovia, a new loan servicing and payments business unit built around products designed to help credit unions automate loan-related processes and improve the member experience.
According to the company, Loanovia’s lending tools have been deployed in more than 80 applications at credit unions nationwide. Tyfone said the unit’s flagship products—Quick Pay, Skip-A-Pay and Collect—are intended to automate payment processing, reduce operating costs and generate noninterest income.
Quick Pay allows account holders to make loan payments from any device using methods that include credit cards, debit cards, ACH, eCheck, internal accounts and PayPal, without requiring a digital banking login, the company said.
Skip-A-Pay is designed to let members defer a loan payment in real time through a fully automated self-service process, while generating skip-fee income for credit unions, according to Tyfone.
The company said the new solution centralizes outreach, payment processing and performance reporting into one workflow, giving institutions more visibility into delinquency trends and allowing them to automate follow-up efforts while offering self-service repayment options.
‘Simple Mission’
“Loanovia was established with a simple mission, make lending services easy for credit unions,” Loanovia President John-Ashley Paul said in a statement. He said the company developed the tools with credit unions to address manual and time-consuming loan payment and skip-payment processes.
Tyfone also said Loanovia has entered into a strategic partnership with the Iowa Credit Union League to make its loan servicing products available to more credit unions.
Matt Oakley, chief operating officer of the Iowa Credit Union League, said the partnership reflects the league’s effort to connect credit unions with providers offering solutions aimed at driving efficiency, streamlining processes and strengthening member loyalty.
Nuuvia Introduces Second Generation of Youth Banking Platform
PORTLAND, Ore.— Nuuvia has announced the second generation of its youth banking platform, saying the updated product includes a more modern interface and a new go-to-market playbook designed for community banks and credit unions.
The company said it finished the fourth quarter of 2025 with record results, including increased adoption of its youth banking application, six new clients and a $4 million strategic investment.
“These are tremendous results, and this continued momentum reflects the growing demand from community financial institutions to deploy youth banking offerings,” President and Chief Operating Officer Marcell King said in a statement.
According to Nuuvia, the mobile-first platform is aimed at Gen Z, Gen Alpha and their families. The company said the application can be configured with a financial institution’s branding to extend trust and support long-term relationships with younger accountholders.
Nuuvia said the updated platform is paired with an advanced go-to-market playbook that provides clients with messaging, enablement resources and ready-made content intended to accelerate launches and improve early engagement.
Roll Out ‘More Confidently’
King said the company developed the playbook with community banks and credit unions to help them roll out youth banking offerings more confidently and effectively.
The company said its Intelligent Lifecycle Banking platform is designed to help individuals and families meet financial goals and strengthen financial health over time, while allowing community financial institutions to retain control of their customer ecosystems.
According to Nuuvia, that includes keeping deposits, card revenue, data and member relationships in-house rather than outsourcing those connections to outside providers.
The company said the new platform and playbook are intended to help community financial institutions attract and engage the next generation of accountholders while building stronger long-term relationships.
9Squid Private Markets Intro’s Platform to Make Securitization a More Practical Strategy
QUINCY, Mass.— 9Squid Private Markets, a subsidiary of TAPP Engine, has launched an AI-powered private markets platform for credit unions and community financial institutions that is designed to make securitization a more practical balance-sheet strategy.
According to the company, the platform gives institutions access to asset-liability management and liquidity management tools that allow them to model and evaluate securitization scenarios before execution. TAPP Engine said the goal is to make securitization more systematic and repeatable rather than treating it as a one-time, highly complex transaction.
“Community institutions play a central role in capital formation, yet many have been priced out of securitization markets,” Founder and CEO Tosin Osunsanya said in a statement.
The company said securitization can allow credit unions and other community institutions to convert loan assets into securities that can be sold to institutional investors, improving liquidity, optimizing the balance sheet and diversifying risk. But it said costs, structural complexity and minimum size thresholds have historically limited participation.
9Squid said its platform uses balance-sheet impact simulation and optimization to help institutions understand projected effects on liquidity, capital ratios, earnings and concentration exposure before moving ahead.
‘Practical Advantage’
TDECU Holdings President Michael Massey said in a statement that the ability to understand balance-sheet outcomes before committing to a transaction stood out as a practical advantage.
According to the company, the platform currently supports securitizations involving personal loans, auto loans and home equity lines of credit using regulator-aligned structures.
9Squid said five credit unions are currently in its initial pipeline, with plans to add more credit unions and community financial institutions of varying sizes.
TAPP Engine said it was founded in 2021 and works with credit unions and community financial institutions on tools intended to improve financial wellness, loyalty and revenue growth.
TransUnion Announces AI Analytics Orchestrator Agent
CHICAGO— TransUnion announced its AI Analytics Orchestrator Agent, a new capability built on its OneTru solution enablement platform and designed to support advanced analytics within the company’s TruIQ solutions suite.
The company said the tool uses Google’s Gemini models and is intended to make advanced credit analytics faster, more transparent and more accessible for financial services companies. TransUnion said the agent is already being used by its internal data scientists and allows the company to combine its proprietary data assets with domain expertise to deliver deeper insights with fewer resources.
According to TransUnion, the tool can shorten analytic cycle times from weeks to hours or even minutes and eventually allow customers to run sophisticated analyses without direct support from data scientists.
“By leveraging Google Cloud’s advanced AI ecosystem, our Agent orchestrates the entire analytics journey from prompt to production directly within TruIQ,” Venkat Achanta, TransUnion’s chief technology, data and analytics officer, said in a statement.
Translating Questions
The company said customers will soon be able to use the tool to translate natural-language questions into governed, production-ready analytical workflows. That, it said, will expand self-service analytics and create new transactional revenue opportunities.
TransUnion said the agent is designed to support auditable, explainable and governed analytics by breaking prompts into steps, mapping those steps to code and returning the reasoning in plain language. It also is integrated with the company’s conversational data catalog and semantic knowledge graph, which TransUnion said improves concept mapping, governed attribute retrieval and explainability.
Rohit Bhat, general manager and managing director for financial services at Google Cloud, said the work shows how companies can use Google Cloud AI tools to build domain-specific solutions.
TransUnion said it plans additional enhancements during 2026, including expanding reusable workflows and scaling the technology into more markets and use cases.
