IRVINE, Calif. — The launch of “Hello Refi” from Origence, a new analytics solution, a tool for commercial loans and more are all part of this the third and final installment this week of the CU Daily’s CU Shopper round-up of new offerings and solutions.
Origence Launches Hello Refi Auto Refinancing Business
IRVINE, Calif. — Origence has launched Hello Refi, an auto refinancing business beginning with 47 credit union clients, the lending technology provider said.
The service operates through FI Connect, Origence’s nationwide licensed finance company, connecting consumers seeking lower auto payments with credit unions. It allows participating institutions to add loans without building their own consumer refinancing operations.
Origence said Hello Refi complements its existing relationships with refinancing providers and brokers, which it will continue to support.
About 111,000 consumers refinanced auto loans in the first quarter of this year, nearly twice the number two years earlier, said Tony Boutelle, Origence’s president and CEO. He said credit unions now hold the largest share of that market.
The business will also work with credit unions to identify refinancing opportunities among existing members. Origence plans to test and refine that approach through market research as the operation grows.
Chris Brown, Origence’s senior vice president of operations and lending support, will lead the business. Brown said dedicated loan consultants will help consumers seek savings while giving credit unions direct access to refinancing opportunities.
Member Loyalty Group Launches Journey Analytics
VERNON HILLS, Ill. — Member Loyalty Group has launched Journey Analytics to help credit unions connect member feedback, transactions, operational measures and digital activity across systems, the company said.
The tool tracks experiences such as onboarding, borrowing and account servicing while identifying behaviors that indicate greater engagement.
Features include consolidated views across channels, identification of friction and application fallout, analysis of underlying problems, dashboards, reporting and monitoring. Credit unions can use prebuilt views or customize them.
“Credit unions have no shortage of data,” said EJ Sieracki, Member Loyalty Group’s CEO. “What can be harder to see is the story the data tells when you look across the full member journey.”
Melissa Castagna, BCU’s senior director of member experience, said the tool provides a clearer picture of new members’ engagement, including automated application approvals, account funding and direct deposit enrollment during the first 30 days.
Rebecca Secor, Member Loyalty Group’s chief experience officer, said viewing interactions as connected experiences can help teams identify opportunities to intervene earlier.
Kinective and SWIVEL Partner on Core System Connections
PHOENIX — Kinective and SWIVEL have partnered to simplify connections between financial institutions’ core systems and SWIVEL’s Connect2Core payment hub, the companies said.
SWIVEL will use Kinective Gateway, an application programming interface integration platform, to speed implementation and onboarding for Connect2Core, which posts payment data in real time and provides transaction visibility.
The companies said the standardized connectivity layer will support service improvements and future capabilities, including money movement through SWIVEL Instant Payments using FedNow and the RTP network. Existing Connect2Core clients will remain uninterrupted during the transition.
Kinective Gateway has relationships with more than 40 core systems and over 100 financial technology companies. The partnership is intended to reduce custom integration work and expand access to SWIVEL’s payment services.
“A community financial institution shouldn’t need months to stand up real-time payments,” said Dan Snyder, Kinective’s executive vice president of product.
SWIVEL, a subsidiary of SWBC, is also a Silver sponsor of Kinective’s Kinections26 user conference, scheduled for Nov. 15-17 at the Omni Nashville Hotel. Kinective plans to introduce the next generation of its banking platform there
AVANA Introduces Tool to Screen Commercial Loan Opportunities
PEORIA, Ariz. — AVANA Fintech Corp. has launched AVANA IQ Screen to help commercial loan originators review incoming opportunities and prioritize follow-up, the company said
The tool reads loan emails, compares opportunities with a lender’s credit policies, identifies missing documentation and produces daily summaries organized by urgency. It automatically logs qualified deals, providing information that marketing teams can use to assess lending sources and target markets.
AVANA said the software does not act independently: Originators retain responsibility for lending judgments, relationships and next steps.
The company developed and tested the tool in its commercial real estate lending operation, where thousands of weekly emails were evaluated against hundreds of policy rules.
Independent brokers can use it as a standalone tool connected to their inboxes, receiving assessments of which deals merit attention and why.
Sundip Patel, AVANA Companies’ co-founder and CEO, said the company wants feedback from credit unions, banks, business development officers and brokers to test the product before a broader launch.
AVANA IQ Screen is the first of five planned releases for the company’s commercial lending platform.
Technology Credit Union Selects Floify for Mortgage Lending
BOULDER, Colo. — Technology Credit Union has selected Floify to modernize its first mortgage and home equity lending processes, Floify said.
The Bay Area credit union, founded in 1960, chose the platform after evaluating its flexibility, implementation process, integration capabilities and borrower experience.
Floify said its integration with Tech CU’s MeridianLink loan origination system was among the factors in the decision, along with digital applications, automated document collection, workflow automation and real-time loan visibility.
“We’re continually looking for ways to make complex financial transactions easier for our members,” said Josh Bluhm, Tech CU’s executive vice president and chief lending officer. “Floify gives us the ability to deliver a more modern, transparent and efficient mortgage experience while preserving personalized service.”
Joshua Steffan, Floify’s interim president and general manager and a senior vice president at Porch Group, said the platform would support greater automation, transparency and efficiency as Tech CU grows.
Bank Social Reaches Referral Agreement With Vyrdia
DALLAS — BankSocial announced a referral agreement with core processing and technology provider Vyrdia to offer credit unions access to investing, instant payments and artificial intelligence-powered fraud prevention tools within their existing digital banking platforms.
The agreement is designed to simplify vendor evaluation, onboarding and integration for Vyrdia clients without requiring them to change core processing systems, BankSocial said.
Available products include Prospera, which offers fractional stock, exchange-traded fund and digital asset investing, along with individual retirement accounts; Remint, which supports payments through FedNow, the RTP network and stable-value settlement channels; and Secura and Substrate, which provide transaction monitoring, fraud prevention and AI coordination tools.
BankSocial said the arrangement could help credit unions preparing their 2027 strategic plans retain members’ investment activity and modernize digital services.
“Financial institutions don’t need more standalone tools, they need unified, institutional-grade solutions that build member value inside the channels members already trust,” BankSocial CEO John Wingate said.
Vyrdia CEO Steven Anderson said the agreement would help credit unions integrate wealth management, payments and security services into their digital offerings.
PayNearMe Launches AI Agent
SANTA CLARA, Calif. — PayNearMe has launched an artificial intelligence agent that calls and texts customers, answers incoming calls and helps users make or schedule payments and resolve account issues, the company announced.
The AI Servicing and Collections Agent is integrated into PayNearMe’s PayXM platform and uses payment data, business rules and workflows to determine and carry out actions. It can authenticate customers, provide account information, record promises to pay, manage opt-outs and transfer customers to support staff.
The product expands on an AI virtual agent introduced in October 2025, adding outbound outreach and broader self-service capabilities. The company said it will introduce the ability to preserve context as customers move between communication channels in phases.
In an Indiana Finance Co. pilot, the agent placed as many calls in one hour as approximately 28 support employees typically would, PayNearMe said. During that campaign, 90% of targeted accounts received a voicemail or payment link, completed a live conversation or were transferred to staff.
The agent is available to PayNearMe clients, including credit unions and consumer lenders. The company said additional specialized AI agents are planned.
