Case Study: KEMBA expands member reach through Upstart’s AI lending platform

KEMBA Financial Credit Union faced a familiar challenge—they wanted to enable and provide more people in the community access to affordable credit while effectively managing risk.

Founded in 1933, the 87-year-old Columbus-based credit union took pride in its in-branch experience and already had a visible online presence to serve the employees of over 175 companies in the area as well as the surrounding counties. However, as face-to-face continues to evolve to mobile and virtual technology, the team at KEMBA saw the opportunity to expand its digital footprint to better serve its members.

KEMBA’s goals and member impact

KEMBA searched for the right opportunity with a partner who understood its mission of enriching its members’ lives with empathy and integrity. KEMBA wanted more people to easily and quickly access affordable credit while mitigating risk through robust, data-driven underwriting.

Leading the charge were two of KEMBA’s seasoned leaders, Vice President of Lending & Risk Mark Seymour and Chief Credit Officer Brent McCoy. Both spoke in detail about the strong partnership with Upstart, which helped expand and automate its digital lending program.


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