Conductiv today announced a new partnership with A+ Federal Credit Union (A+FCU), one of Texas’ largest and most community-focused credit unions.
How Credit Unions Can Make 50% More Loans Without Doing More Work
Too often, good borrowers are lost when manual steps interrupt the loan flow. Asking members to go home, find tax returns or pay stubs, and return later often means they don’t come back at all. Conductiv eliminates that drop-off point by gathering 100% accurate source data digitally, securely, instantly, and without exposing personal information.
From Fragmented Income Data to Real-Time Lending Insights
Lenders today are struggling with fragmented income and credit data. The reality is that while many financial institutions have access to valuable internal data, it's often siloed, outdated, or simply not enough to assess true borrower ability to repay. Traditional credit data only scratches the surface. And as borrowers' financial lives become more fragmented and complex, relying solely on what’s already in the system is no longer enough.
That’s where Conductiv is changing the game.
5 Critical Technology Trends Credit Unions Must Budget for in 2026
Based on industry analysis and member expectations, here are the five most critical technology trends that should influence your 2026 budget allocations.
Conductiv Is Winner of CreditUnions.com Innovation Award for Analytics
Conductiv has won the CreditUnions.com 2025 Innovation Series in the Analytics category. The 2025 Innovation Series, hosted by Callahan & Associates, recognizes the power of innovation in credit union technology.
Now in its seventh year, the Innovation Series highlights leading technology providers. Winners were selected based on votes from credit union executives following a presentation from category finalists.
Conductiv is Finalist For 2025 CreditUnions.com Innovation Series
Conductiv is a Finalist in the 2025 Innovation Series Analytics Category. Every year this series has chosen a select group of technology providers that share their latest innovations to impress an audience of credit union decision-makers.
Conductiv will present their digital stipulations and AI solution that provides verification/proof of (VoIE) income, employment, cash flows, tax returns, alternative data, and more.
LendAPI Partner Podcast with Gopal Swamy CEO and Founder of Conductiv
LendAPI is a Conductiv partner, and hosts Gopal Swamy of Conductiv at the LendAPI Partner Podcast. Gopal talks about how Conductiv revolutionizes lending and account opening by using data aggregation and AI-driven insights to make credit decisions smarter and more efficient. Hosted by Rutger van Fassen, this episode delves into how Conductiv is making lending smarter, faster, and more inclusive.
Conductiv Announces Completion of Filene Research Institute Incubator
Conductiv is excited to see the completion of the Filene Research Institute Incubator. The final report documents the value of the Conductiv platform and the lift in loan approval rates and increased efficiency of underwriting teams obtained through the use of consumer-permissioned data. Conductiv addresses key challenges in lending operations related to “stipulation chasing.”
Gopal Swamy Presents at Trustage Fintech Summit 2024, Cites Customer Growth and Success
Conductiv has seen significant customer growth during the last year and continues to help CU's achieve “more loans with less work.” Manual stipulation handling is disruptive to loan operations, and by automating this process Conductiv has not only increased approval rates, but has been able to provide AI insights for alternative decisioning.
MeridianLink Highlights Conductiv Partnership in 2024 Q2 Results Announcement
MeridianLink® announced financial results for Q2 2024 and highlighted their partnership with Conductiv, citing our leadership in providing missing, consumer-permissioned data to meet underwriting guidelines, and in helping customers achieve increases in approval rates without increasing losses. A solid partnership with great results for customers!
Conductiv and Credit Unions Drive Growth with Permissioned Data
Conductiv and partner credit unions presented at the Filene Research Institute SPARK!2024 conference on how using permissioned data can positively impact lending processes and the member experience. The research was part of a Filene Incubator, and the results will provide a framework showing how incorporating first-party data into lending practices can increase approval rates by up to 47%.
TruStage Ventures: Fintech Forum on Empowering Financial Inclusion
The webinar covered the challenges of misperceptions about the underserved and unbanked, risk mitigation, and the need for Board buy-in. Shawn Wolbert, CEO of GHS FCU said “With Conductiv being able to verify documentation early on, it makes it easier for the member who’s struggling to get that loan…It bridges a gap between the member and the loan and puts the money into their hands for what they need.”
Conductiv Partners with MeridianLink to Accelerate Market Momentum and Enable Financial Institutions to Increase Loan Approval Rates and Serve More Consumers
Conductiv, Inc, the leader in providing missing, permissioned data and transforming data to meet underwriting guidelines, today announced its partnership with MeridianLink, Inc. (NYSE: MLNK), a leading provider of modern software platforms for financial institutions and consumer reporting agencies.
Conductiv's Gopal Swamy Presents on Access to Open Banking and Alternative Data
Learn how Conductiv provides “white label” access to open banking and alternative data, and AI-driven insights for smaller lenders. This integration with existing Loan Operating Systems (LOS) via their UI, as well as SMS and email, allows Conductiv to become part of the lending process at just the right time, providing a great user experience and getting permissioned data directly to lenders.
Conductiv Presents to Independent Community Bankers of America at ICBA Live!
Conductiv presented at the Independent Community Bankers of America’s (ICBA) Live conference in Orlando, Florida. The 7-Minute presentation was the culmination of the ICBA ThinkTECH Accelerator program, a first-of-its-kind fintech accelerator that enables community banks to directly engage and partner with innovative fintech companies.
Fintech's Future: Insights from Industry Leaders
Bant Breen of UNCAGED interviews three industry leaders. Dive into the dynamic world of fintech, and learn about the latest trends and strategies shaping the future of finance. Gopal Swamy of Conductiv shares how technology can help financial institutions make smarter decisions and how FI’s can increase efficiencies and scalability without changing their lending model.
Conductiv Selected for ICBA ThinkTECH Accelerator For Community Banks
Conductiv has been selected to join the Independent Community Bankers of America’s (ICBA) ThinkTECH Accelerator program, which kicks off January 8, 2024, in Atlanta, GA. Invitees are hand-picked for their community bank-focused offerings primed to support critical community bank needs, including analytics, automation, and compliance.
Reaching Immigrant Communities with ITIN Lending
Gopal Swamy, CEO at Conductiv, stopped by the CU Broadcast Studio Lounge to share highlights and insights from the CUNA Lending Council Conference 2023 session on "ITIN Lending – Helping Your Credit Union Reach Immigrant Communities." Credit unions are both “mission and margin driven”, and many have found that ITIN applicants have lower risk than the average borrower.
Conductiv - A Solution to Improve Loan Approvals
Conductiv was featured in a webinar sponsored by Filene Research Institute. We joined Filene to discuss our platform's ability to improve loan approval rates for credit unions via the use of permissioned/first party data. The webinar features Christina Williams, VP Loan Operations at Everwise Credit Union, who has seen an increase in loan approval rates, and a decrease in declined loans due to lack of stipulations.
CUbroadcast Interview With Conductiv and TruStage
Conductiv was featured by CUbroadcast at the TruStage Ventures Fintech Summit ‘23. The interview included Gopal Swamy, CEO, Conductiv and Doug Glagola, Director, TruStage Ventures. Mike Lawson of CUbroadcast hosted the interview. Through the TruStage-Conductiv partnership Conductiv is helping credit unions innovate to increase loan approval rates using powerful permissioned data.