People are the driving force behind a great member service experience. Members will always have a desire to connect with their credit union through an in-person visit to a branch or a call to the contact center.
But sometimes, members want the speed, convenience and the “always on” availability of a digital channel. Today, technology, together with people, is a big enabler of a memorable service experience. Beyond the lines of code and the light speed logic that securely connects members to their credit union through their device of choice – computers, smartphones and watches, oh my! – lies a completely functional, friction-free and truly helpful mobile member experience.
Consider the case of the member on the move – an airline pilot or flight attendant, for example. Home for them is an airport or hotel far away from a physical branch most of the time. But they still have their own set of financial needs: paying bills, moving money and checking their accounts… anytime, anywhere. Their credit union may be based in Dallas, but what if they are in Singapore, Beijing, or Sydney?
American Airlines Federal Credit Union recently leveraged integration technology through PSCU’s Data eXchange web service to drive higher levels of service and convenience to its members.
American Airlines Credit Union’s credit card programs are processed and supported by PSCU. The credit union wanted to expand the scope of credit data and service functionality provided by its initial mobile application. Although members could use PSCU’s Access Point online credit card data portal, the unavailability of real-time credit card information via mobile – particularly available credit amount – presented a challenge for many of the credit union’s members, especially for busy flight crews always on the go.
“With so many of our members in far-flung places, we knew we needed a real-time and mobile solution to meet their needs,” said Christopher Danvers, Vice President Payments & Digital Services.
American Airlines Credit Union made great strides in 2015 by moving to a new online banking platform, which unified the electronic banking experience for members across all devices. But it still needed to find a way to integrate real-time credit card data into the new platform. The credit union then learned about PSCU’s Data eXchange solution. Data eXchange is a channel-agnostic option for integrating credit card data into other systems that credit unions use. Data eXchange also delivers credit card account data to the requesting platform in real-time.
“More than 55% of our log-in activity comes from members logging in from our mobile banking application. These members now have the ability to check their credit card account details and status anytime, anywhere,” said Danvers. “With Data eXchange, we’re able to provide our members with 24 months of credit card account history, real-time balances and payments, and other important information about their credit card, with the ability to make real-time payments. The experience for our many mobile members has been greatly improved.”
Data eXchange enabled American Airlines Credit Union to seamlessly integrate credit card data into its online banking platform to give members real-time access to account information across all devices, including phones and tablets. Data eXchange’s API architecture is in use today by over 120 of PSCU’s Owner credit unions.