CURQL + FINTECH
Here at Curql Collective, we partner with fintech pioneers looking to transform financial services.
Moving forward is always the goal.
Leveraging our extensive reach within the industry, we connect your fintech with dozens of large, progressive credit unions willing to pilot, invest in and utilize what you bring to the table. Investments are powered by our Curql Fund I, the only venture fund comprised exclusively by and for credit unions for fintech.
With Curql Collective, your fintech also has access to advisors that can help you better understand credit union industry regulations, key players, and the benefits of becoming a CUSO to serve the industry.
Eltropy enables Financial Institutions to digitally engage in a secure and compliant way. Using our world-class digital communications platform, Credit Unions, Banks, Debt Collectors, Insurance Companies, Lenders and FinTechs can improve operations, engagement and productivity. Eltropy also integrates with IT systems, such as Symitar and Corelation, and uses Analytics to provide member engagement insights. Eltropy is built on 5 Pillars, Workflows, Automation, Integrations, Compliance & Security.
Illuma Labs is a Credit Union Service Organization (CUSO) and R&D company headquartered in Plano, Texas. They deliver real-time voice authentication and fraud prevention solutions for credit unions through our flagship product, Illuma Shield™.
Caribou provides a secure digital platform that makes it easy for our customers to see exactly how much they can save and complete the refinance process quickly, all from the comfort of their home. What’s more, we do all the heavy lifting, including paying off the old lender as well as re-titling the vehicle, saving our customers those dreaded trips to the DMV.
Nymbus enables banks and credit unions of any size to accelerate growth through new routes to market. This includes a full suite of banking technology applications available to modernize and optimize existing channels, as well as the operational resources to get to market quickly with a full-scale digital bank immediately positioned at capturing new niche customer segments. Whichever growth path you choose, Nymbus buys back decades of lost time and accelerates your ability to engage and support the entire customer journey.
Clutch (WithClutch) aims to transform Credit Unions into FinTech lenders and turn recapture on auto-pilot. Clutch’s SaaS will automatically and intelligently surface loan savings opportunities to Members, while providing visibility into analytics and automated follow to abandoned applicants. Clutch is highly customizable and easy to implement. It leverages existing touchpoints – loan application portals, online & mobile banking, campaign services, as well as branches and the call center – to recapture loans Members have elsewhere.
Zest software helps credit unions go beyond traditional credit scores’ statistical and data limitations to identify good borrowers often overlooked by legacy techniques. Credit unions that lend using Zest-built models have seen 15% to 20% increases in approval rates with no added risk and up to 30% reductions in charge-offs by using more of their data and the advanced math of machine learning.
DefenseStorm provides cybersecurity, cybercompliance, and cyberfraud solutions specifically built for banking to achieve and maintain cyber safety & soundness. The DefenseStorm GRID is the only co-managed, cloud-based and compliance-automated solution of its kind, operating as a technology system and as a service supported by experts in FI security and compliance. It watches everything on a credit union’s network and matches it to defined policies for real time, complete and proactive cyber exposure readiness, keeping security and fraud teams smart and executives accountable.
Posh was founded in 2018 by Karan Kashyap and Matt McEachern out of MIT with the vision to empower community financial institutions through intuitive, conversational AI. The proprietary conversational AI fosters an enjoyable and efficient banking experience for users. Posh is rapidly growing, partnering with more than 40 financial institutions to deploy web-based and mobile-based digital agents in addition to voice assistants. Posh is headquartered in Boston. Learn more at posh.tech.
LoanStreet is the first fully integrated online platform that streamlines the process of sharing, managing, and analyzing loans for credit unions, banks, and direct lenders. LoanStreet was founded with the mission to create a more efficient, transparent, and robust way of administrating loans and connecting the lending market.
PatientFi partners with healthcare practices to offer patients a financing alternative to pay for out-of-pocket medical expenses. Today with a nationwide partnership network of healthcare practices, PatientFi’s platform seamlessly connects qualified loan applicants to credit unions interested in growing their lending portfolio and adding new members.
Facteus is the leading provider of synthetic data technology and data monetization for credit unions to accelerate adoption of cloud big data, AI/ML, and advanced analytics.
Silvur is an award-winning retirement platform designed to support Americans age 50+ navigating modern retirement. Our #1 goal is to help Americans retire confidently through the use of easy-to-understand retirement education and personalized data-driven calculators to demystify the process of preparing for retirement. With our white labeled partnerships we can help credit union members improve their financial wellness in retirement.
Equipifi is a leading fintech SaaS powering credit unions with BNPL solutions that align with their debit cardholder’s payment preferences and financial goals.
Credit Mountain is a digital credit counseling solution that allows Credit Unions to give their members personalized guidance at scale. Credit Mountain offers declined borrowers a “Path to Approval” and potential/existing members guidance on how the Credit Union can help better their financial lives.
Tru Treasury is a full-service treasury management provider, offering end-to-end treasury program support including program structuring, treasury products, technology platforms, training, risk management, and treasury product sales & operational support. Tru Treasury helps enable credit unions to launch and support business solutions for business members, more effectively, more quickly, and at a fractional price-point.
Fintainium is a cash flow management platform for small and medium-sized businesses (SMBs) featuring AP automation, AR Invoicing, Collection, and reconciliation. Fintainium offers embedded payments and lending on the platform to bring valuable transaction revenue and deposit streams to CUs.
Coviance is a technology-focused lending platform that makes home equity and HELOC lending simpler, faster, and friction-free. It’s a better borrower experience and faster close at the push of a button – without ever losing the human touch.
Neural Payments is a fintech partner that assists credit unions in adopting change at or ahead of market pace. Neural Payments offers a peer-to-peer payments solution that improves the member experience by allowing cardholders to send money to anyone they choose without the need for a third party app.
BankBI is a cloud-based out-of-the-box financial performance management application delivered via a software as a service (SaaS) subscription model.
It’s available on any device, anytime and anywhere and offers senior management in credit unions the ability to measure, monitor and manage their business in real time using industry standard ratios and dashboards. It ingests, transforms, and reconciles data from multiple sources in an automated way to deliver daily dashboards showing performance by a range of metrics including branch, product, member type against budget, past periods, peer groups and other configurable measures.
It relieves pressure on the CFO to deliver timely and accurate financial, management and board reporting to deliver efficiencies, reduce errors and eliminate key person dependencies in the finance and other departments.
Total Expert delivers purpose-built CRM and data-driven engagement solutions for more than 175 modern financial institutions. The platform unifies data, marketing, sales, and compliance solutions to provide a cohesive experience across the member lifecycle. Total Expert turns insights into actions to increase loyalty and drive growth for credit unions, banks, lenders, and other financial services firms.