Next Best Qualified Offer
Designed for Member Trust.
One-size-fits-all Offers Do Not Work.
Most credit unions rely on generic, broad, static campaigns that fail to personalize offers, pushing the wrong option at the wrong time and eroding member trust.
Your credit union’s greatest asset is each member’s unique financial journey, but legacy tools can’t act on it. Without AI-driven insights, even your best intentions turn into impersonal outreach and lost revenue opportunities.
Real Personalization Starts Here.
Targeted, Qualified, Offers Deliver on Performance Goals
NBQO takes the guesswork out of offers — delivering higher acceptance rates and a lift in cross-sell and upsell conversions, especially when pre-qualified offers are delivered in real time based on member behavior and financial data.
Let’s explore how NBQO can improve your
member experience and lending performance.
How it Works
NBQO uses your credit union’s existing member data—such as account history and transactions — to identify the most relevant credit products for each member. Before any offer is shown, the system checks the member’s likelihood of approval using internal criteria.
This is where AI meets empathy by providing pre-qualified offers without the guesswork.
Implementation and Next Steps
NBQO integrates with your core, LOS, and channels—no replacements required—and we handle data connections, rules, testing, and onboarding. Typical setup is about 12 weeks from kickoff to live.
Once live, NBQO uses a real-time 360° member view to deliver a single pre-qualified offer via the right channel, reducing manual work, cutting marketing waste, and improving conversion.
Benefits for Credit Unions
- Higher conversions
- Better portfolio performance
- Less marketing waste
- Audit-ready compliance
Benefits for Members
- Personalized offers
- Clear, transparent process
- Fewer declines, less friction
- Consistent omni-channel delivery