BUILT FOR CREDIT UNIONS. DESIGNED FOR MEMBERS.
Manage your credit union in real time with one system.
Murmuration is the digital operating system that allows credit unions to reach their potential.
More than a platform
Murmuration is more than a software platform. It’s a long-term initiative to strengthen and modernise the UK Credit Union movement.
By bringing Credit Unions together on a shared platform, Murmuration enables greater collective investment in technology, member experiences, marketing, banking services and continuous innovation.
As more Credit Unions participate, the platform becomes stronger for everyone, creating greater scale, stronger partnerships and more opportunities, while every Credit Union remains independent and retains control of its members, lending decisions, governance and identity.
Murmuration is not about making Credit Unions the same. It is about making them stronger together.
One Platform
Everything you need. One operating platform.
Murmuration brings together the technology, banking services and capabilities a credit union needs to operate and grow within one platform. From member accounts and payments to lending, member service, reporting, treasury and marketing, each capability works as part of the same system — reducing fragmentation, duplication and reliance on multiple separate platforms
For the credit union
- Fewer systems and suppliers
- Lower operating complexity
- Better control, reporting and growth
For members
- Current accounts, savings and loans
- A modern app and online service
- Faster decisions and support
For the future
- Built to support small and large credit unions
- Shared infrastructure that improves as the network grows
- New products added without rebuilding the whole operation
The Problem
From fragmented systems to one connected platform.
Running a credit union shouldn’t mean managing a patchwork of disconnected systems and suppliers. Too many systems create more admin, more complexity and less time for the people who matter.
Murmuration brings the essential parts of your credit union together in one connected platform, helping your team work more efficiently, serve members better and build a stronger credit union.
Today
Core system
Payments provider
Card provider
Lending tools
CRM
Reporting
With Murmuration
Your credit union
Core banking
Payments
Cards
Lending
CRM
Reporting
One data model. One source of truth.
All services connected
The Solution
One platform. Four outcomes.
Run the credit union
Manage members, accounts, savings, loans, payments and daily operations in one place.
- Core banking
- Member records
- Payments & cards
- Finance & reconciliation
- Board & regulatory reporting
Serve members
Give members modern financial services through one app and one relationship.
- Current accounts & savings
- Loans
- Children's & business accounts
- Online & mobile banking
- Self-service & support
Lend more effectively
Help suitable members receive faster, responsible lending decisions.
- Digital applications
- Open Banking & affordability checks
- Your lending rules
- Manual review where required
- Arrears & portfolio reporting
Grow and strengthen
Attract new members, deepen existing relationships and improve the use of credit union funds.
- Member acquisition
- CRM & campaign management
- Data & insights
- Treasury management
- Product development
Treasury
Make more of the credit union's money
Murmuration helps credit unions see their cash clearly, manage upcoming maturities and compare suitable treasury opportunities.
Each credit union sets its own rules, chooses the institutions it is prepared to use and approves every movement of money.
Murmuration provides the information and tools. The credit union remains in control.
Connected Platform
One member. One view.
One connected platform.
Built For One. Stronger Together.
Built for one credit union. Stronger with every credit union.
Each credit union remains independent, with its own members, policies, brand and decisions. Behind the scenes, credit unions share secure infrastructure, investment and supplier relationships, so smaller organisations can access capability that would normally require the budget of a much larger financial institution.
Credit union level
Own brand
Own members
Own products and policies
Own approvals and governance
Shared platform level
Banking infrastructure
Payments and cards
Security & compliance tooling
Product development
Network level
Better purchasing power
Broader banking relationships
Collective treasury scale & shared investment
National member acquisition
Designed For Regulated Financial Institutions
Built to meet the standards credit unions answer to.
Credit unions retain control of policy and decision-making
Role-based access and approval controls built into workflows
Services designed around auditability and clear reporting
Banking and payment services delivered through authorised partners
Data protection, resilience and security central to platform design
Regulatory permissions depend on the service and delivery model
Commercial Model
A model designed to align our success with yours
Credit unions do not pay a traditional software licence fee for the core Murmuration platform. Murmuration is funded through the banking, payment, treasury and other commercial income generated by services used through the platform.
How It Works
A clear path from where you are to where you want to be
Understand
We review the credit union’s current systems, products, policies and operating model.
Configure
Murmuration is configured around the credit union’s brand, rules, products, permissions and member needs.
Move safely
Services are introduced through a controlled implementation and migration plan.
Operate
The credit union manages its members and services through one connected platform.
Grow
New products, marketing, automation and insights are added as the credit union develops.
Make borrowing feel easier
Fewer barriers. Better decisions. Stronger member outcomes.
From the first application to the final drawdown, give members a borrowing journey that’s simple, transparent and built around them — and give your credit union the insight and control to lend with confidence.
A better borrowing experience for members. Better decisions for you.