How Credit Unions Can Make 50% More Loans Without Doing More Work
Lending optimization isn't just about improving efficiency. It’s about enabling teams to make more good loans without increasing workload or risk. That’s exactly what Conductiv is helping credit unions and community banks achieve.
At Finovate Fall 2025, our CEO, Gopal Swamy, shared how Conductiv is transforming the lending experience for both borrowers and lending teams. The message was simple but powerful: credit unions can approve up to 50% more loans without changing their credit policies, overhauling workflows, or hiring additional staff.
How? By fixing one of the most overlooked parts of the lending process: the documentation gap.
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. Permissioned data ensures data is accurate and also satisfies BSA and a VoIE requirements. Whether a member is paid via W2, is self-employed, a gig worker, or receives government benefits, Conductiv connects directly to trusted data sources to validate income and employment in just a few clicks.
The result is a faster, frictionless member experience and a lending process that’s inherently fraud-resistant. As Gopal noted during the demo, it’s far easier to steal a wallet than to steal a payroll, bank, or IRS login. Conductiv’s model reduces fraud risk precisely because it replaces manual document uploads with digital, 100% accurate verified source data.
Beyond that immediate benefit, Conductiv helps lenders use the data they already have to make smarter future decisions. By securely combining verified source data with anonymized origination and servicing data, the platform identifies patterns in fraudulent loans, predicts charge-offs, and uncovers good loans that may have been mistakenly declined. For lending teams, that means reducing risk and turning missed opportunities into approved loans without adding work or complexity.
For most lenders, the impact is significant: a 40% improvement in operational efficiency and a 50% increase in approval rates, achieved simply by using the data that already exists in a smarter way.
Conductiv’s approach is deeply aligned with the mission of community finance. We’re focused on empowering credit unions and community banks with tools that enhance service, strengthen trust, create tangible growth, and help these lenders lend deeper.
To see how Conductiv helps lenders uncover hidden loan opportunities, reduce fraud, and deliver a better member experience, all without doing more work, watch the full demo from Finovate Fall 2025.
