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Greater Alliance Federal Credit Union, a New Jersey institution with $239M in assets and over 23,000 members, needed a forward-thinking approach to attract new members remotely while continuing to serve the Bergen and Passaic County communities. They were searching for a progressive digital banking experience that would integrate seamlessly with Corelation's KeyStone core banking system. With the goal of increasing membership and engagement while decreasing fraud and back-office frustrations, Greater Alliance chose Narmi to deliver a sleek end-to-end digital banking experience on an adaptable platform.
Modern members expect instant access and frictionless security. Adding a new card to Apple Wallet or Google Wallet traditionally meant manually typing in card numbers, an extra step that introduced friction at exactly the moment a member wanted to start spending.
Greater Alliance set out to remove that step entirely. The goal was to let members push their new or replacement cards straight to Apple Wallet or Google Wallet from within mobile banking, with no manual entry required.
Implementing push provisioning across two major technology ecosystems is a significant technical undertaking. It requires navigating compliance requirements, security standards, and a range of integration details unique to each platform.
Narmi and the Greater Alliance team worked together through the full implementation, solving complex problems along the way and staying aligned through each phase. The collaboration between both teams was central to bringing the project to completion.
Greater Alliance members now have a seamless, top-of-wallet digital experience. They can activate a card and begin spending securely within seconds of opening an account, with no waiting for a physical card to arrive in the mail.
The launch reflects what is possible when a forward-thinking financial institution and a committed technology partner build together. Narmi and Greater Alliance look forward to continuing that work.
GAFCU wanted to offer CDs in the CAO platform but didn’t want to have to manually send CD receipts every time an account was opened. This labor-intensive method inhibited staff from capitalizing on a channel crucial for deposit growth. Narmi's platform customizations provided a solution: automated delivery of personalized CD receipts to each account holder via email.
Asset Size: $300M
Location: Paramus, NJ
Products: Consumer Digital Banking, Digital Account Opening
GAFCU encountered difficulties promoting additional product offerings, particularly with their CD accounts. They came to Narmi for a solution that could help them effectively cross-sell their CD products.
Narmi's platform customization streamlines operations for GAFCU’s staff, and will enable GAFCU to significantly reduce manual efforts spent on tracking and sending CD receipts.
Grasshopper’s support team historically used Zendesk to manage their client support operations. However, ensuring client conversations on the Narmi support portal remained consistent with the conversations on Zendesk took valuable time away from their support team. Using Narmi’s platform customizations, Narmi built a full integration between Zendesk and the Narmi support portal, saving Grasshopper’s support team over 30 hours each week on manual tasks.
Asset Size: $820MM
Location: New York, NY
Products: Business Digital Banking
Grasshopper recognized the need to optimize their workflow by automating the connection between Zendesk and the Narmi messaging platform. This desire stemmed from a commitment to enhance operational efficiency and streamline processes.
Through this integration, Grasshopper can take full advantage of their existing tech stack. Reclaiming the 30 hours it took to copy messages from Zendesk to the Narmi platform allows Grasshopper’s support team to redirect their focus towards high-impact initiatives and delivering exceptional client experiences.
UFCU’s team was experiencing a high volume of applications that needed to be manually flagged, and they wanted to incorporate a tool into their risk management stack that could help relieve that burden. In partnership with Narmi, UFCU adopted NeuroID to automatically flag and decision for risky applications and send staff notifications when there are incidences of fraudulent activity. Now, UFCU’s staff can sit back and relax knowing that NeuroID is automatically decisioning on those risky applications, even when there’s a fraud attack.
“There were 33 applications that were declined outright on Sunday when otherwise it would have gone to Review or Accepted. This addresses Synthetic fraud which is difficult to track.”
- Russell Shugart
Asset Size: $4.5B
Location: Austin, TX
Products: Consumer Account Opening
UFCU was experiencing fraudulent applications moving to “review” or “approved” status. These applications required constant manual review, causing their staff to be bogged down and overwhelmed when there was a fraud attack.
With NeuroID catching risky applications and automatically decisioning them, UFCU’s staff saves hours every week. In the short time since implementation, Russell calculated that NeuroID saves more than 40 hours a month in manual review time and helps UFCU avoid charge-offs averaging $400 per fraudulent account. With Narmi’s close integration with NeuroID, UFCU can more reliably trust application decisions, giving them a safety net when experiencing intense fraud attacks.
