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America’s Credit Union Embraces AI to Enhance Service, Scale Support & Stay Future-Ready

The challenge

ACU needed to manage a sharp increase in call volumes and digital interactions due to the pandemic, while maintaining high service levels.  Member service teams were overwhelmed with routine inquiries, limiting their ability to support more complex member needs.

The outcome

With interface.ai’s Voice and Chat AI, ACU now delivers 24/7 support across channels, reduces agent workload, and improves efficiency. The AI agents instantly resolve routine questions, allowing staff to focus on personalized, high-value interactions.

About America’s Credit Union

America’s Credit Union(ACU), a Credit Union with over $625M in assets, provides a diverse set of financial products and services to over 40,000 members in the Pacific Northwest. With ACU, individuals and business customers have access to sound savings programs, checking accounts, competitive loan options, and a variety of other convenient services.

The challenge

America’s Credit Union(ACU) aims to exceed its members’ expectations continuously and was on the lookout for solutions that will enhance its member engagement capabilities. With the onset of the pandemic and increased usage of electronic channels among members, ACU was looking for a solution that will help them efficiently manage member support channels, be future-ready & available round the clock to cater to member needs.

“We were looking for solutions that will help us complement our member service channels, make our member support function efficient and improve our overall member engagement. With the onset of COVID-19, we saw a dramatic increase in the usage of online channels from our members, and we were looking for a solution that would help us maintain high service levels.”

Troy Kyle
Chief Information Officer

Through the solution, ACU wanted to ensure quality support to members, 24×7 operations, and build capability to track call center performance. ACU also wanted to free up staff so they could handle complex member issues.

“Due to the pandemic, we experienced an increase in volumes on the call center, which impacted our service levels. Our member support staff spent significant time answering basic questions and could not spend time with members having complex questions. We were on the lookout for a solution that will help us solve member support bottlenecks, manage the increasing call volumes and enable us to enhance the overall member experience.”

Aimee Doherty
VP of Service Operations
The solution

Extensive research of the technology & case studies of several Credit Unions incorporating AI convinced the executives at ACU that AI was the technology that would help them overcome their challenges and enable them to support their members better, both now and in the future. AI’s ability to create seamless experiences and adapt based on the changing member needs were also crucial to decide on the technology.

“Artificial Intelligence & IVAs, in particular, will enable us to create seamless experiences for members and create efficiencies across the organization. With the ability of the technology to continuously learn and improve, we will be able to adapt to new member needs and evolve.”

Troy Kyle
Chief Information Officer, ACU
ACU evaluated vendors based on the following criteria
  • Functionality – A solution having a wide range of functionalities that can add value to all aspects of the organization and enable efficient member support
  • Vision – Having a long term vision, technology roadmap, and insights into the technology’s possibilities
  • Experience & Expertise – Having in-depth domain knowledge and having several successful live implementations delivering impact
  • Integrations – Having easy integrations with online banking and call center systems

After an extensive vendor selection process, ACU chose interface.ai as its partner for its AI agents across Voice and Chat. The key reasons for ACU choosing interface.ai were:

  • Credit union background with a deep understanding of the credit union space 
  • The most mature AI offering in the industry
  • A well defined long term vision and product roadmap
  • Having the most successful Intelligent Virtual Assistant implementations across Financial Institutions in North America
  • The ROI possibilities due to the high level of automation
  • Fluidness of the technology to incorporate a wide range of workflows
  • Managed services to ensure customer success
  • Strong customer advocacy
The results

After the launch of this solution, when members interact with ACU through chat or phone, they now instantly get responses to their questions. The Voice and Chat AI enables ACU to provide full service to members 24×7, ensure support teams have the bandwidth to assist members with complex needs, and enable ACU to be operationally efficient.

“With this engagement, we aim to stay relevant to all types of members and offer them the best member experience possible. The IVA will enable us to instantly respond to member inquiries round the clock and offer higher service levels. This technology will also enable our member support staff to focus on solving more complex member issues. The IVA will help us create efficiencies across the organization and provide us a significant competitive edge.”

Aimee Doherty
VP of Service Operations, ACU

With interface.ai’s Voice and Chat AI Agents in place, ACU is:

  • Handling large call volumes seamlessly
  • Reducing abandonment rates & call wait time to 0
  • Offering 24×7 availability
  • Improving operational efficiency across the organization
  • Improving staff performance in responding to member inquiries with easy access to up to date knowledge resources & responses
  • Increasing efficiencies will lead the staff to spend more time tending to the members in need.
  • Staying up to date with technology trends and cater to the engagement needs of all member segments.

Through this partnership, ACU will be enhancing their member experience from digital to AI-first and enable highly personalized and instantaneous engagement with members.

“The increased member interactions in light of the pandemic reinforced our decision to adopt the IVA. The IVA will help us handle the increased call volumes, improve efficiencies and overcome the stress on the call center.”

Aimee Doherty
VP of Service Operations

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