Next Wave In Community Finance

Picture of Nandita Verma

Nandita Verma

VP of Marketing

Everyone says “Do More With Less.” Few actually understand it. In this refreshingly honest take, Nandita Verma, Eltropy’s VP of Marketing, explores the four myths and four truths behind this phrase, revealing why it’s not about overburdening the teams, but making their work smarter, simpler, and more human. A must-read for leaders redefining what productivity truly means in the age of AI.
Picture of Subhra Bhattacharya

Subhra Bhattacharya

Sr. Director, Customer Success

At Eltropy, customer success is a continuous, collaborative effort, built every day through each interaction with our customers. Discover frontline insights and real-world strategies from our CSM team that drive lasting impact, empowering both Eltropy and our customers to deliver meaningful results for the communities they serve.
Picture of Kaitlin Ramos

Kaitlin Ramos

Director, Customer Success

At Eltropy, customer success is a continuous, collaborative effort, built every day through each interaction with our customers. Discover frontline insights and real-world strategies from our CSM team that drive lasting impact, empowering both Eltropy and our customers to deliver meaningful results for the communities they serve.
It's 11:30 p.m. You've just realized your debit card is missing. You grab your phone, call the bank, and brace yourself. "Press 1 for billing. Press 2 for support. Press 3 to return to the main menu."
In our previous post, we introduced AI Voice Agents and showed how they're replacing the frustrating IVR experience with empathetic, conversational interactions. We explored the problem - endless menus, high abandonment rates, and stripped-away humanity - and introduced the solution: generative AI Voice Agents that listen, understand, and act.

Product Release Highlights

Eltropy Video Banking empowers community banks to bring their signature in-branch experience to every screen. In this piece, Eltropy’s Brian Beach dives into how video banking bridges the gap between trust and technology, proving the future of banking isn’t just virtual, it’s human at scale.
Your members don’t want to drive across town to drop off a check, and they shouldn’t have to. As digital expectations rise, traditional mobile deposit often creates more friction than convenience. Eltropy Product Manager Praveen Konda breaks down why agent-guided remote check deposit is the smarter way forward for credit unions and community banks to deliver instant convenience without losing the personal touch that defines community finance.
Picture of Ashutosh Dubey

Ashutosh Dubey

Product Manager

Community banks and credit unions are navigating two competing forces: rapidly rising consumer expectations and the operational limitations of legacy communication channels. At Eltropy, we’re tackling that challenge head-on with the launch of Eltropy Rich Communication Services (RCS) - the next-generation messaging channel that will transform traditional SMS into branded, interactive, and secure conversations.
Picture of Cindy Brochu

Cindy Brochu

Senior Product Marketing Manager

As Credit Unions and Community Financial Institutions (CFIs) continue to evolve their digital ecosystems, one thing remains clear: the tools you rely on must not only work; they must work together, support compliance, and enhance human connection.
Picture of Amir Tajkarimi

Amir Tajkarimi

Head, Collections Business Unit

Here's the thing about your quarterly 5300 Call Report: it's not just paperwork. It's how examiners, auditors, and your board judge whether you're running a tight ship or heading for trouble.
Picture of Pramod Manjunath

Pramod Manjunath

Product Manager

Eltropy Office Phone closes the gap between in-branch desk phones and remote softphones, replacing legacy systems with a modern, cloud-native platform that unifies every employee, from front line to the back office. The result? Lower costs, seamless handoffs, and consistent consumer experience across your entire institution.
Picture of Cindy Brochu

Cindy Brochu

Senior Product Marketing Manager

In a landscape where service expectations are rising and operational efficiency is non-negotiable, Credit Unions and Community Financial Institutions (CFIs) must continuously evolve. At Eltropy, we believe meaningful innovation doesn’t just solve problems—it makes people feel seen, heard, and supported.
Picture of Cindy Brochu

Cindy Brochu

Senior Product Marketing Manager

In today’s digital-first environment, Community Financial Institutions (CFIs) must continuously evolve to meet rising consumer expectations, regulatory shifts, and operational demands. The July 2025 product release is designed to do exactly that; empower your institution with smarter tools, seamless integrations, and personalized experiences that strengthen relationships and drive loyalty.
Picture of Aneesh Ballabh

Aneesh Ballabh

Associate Product Manager

Eltropy Video Banking helps credit unions and community banks deliver real-time, face-to-face service, from loan applications to fraud resolution, securely and at scale. Dive in to explore how it powers seamless, compliant digital journeys within the Unified Conversations Platform, without losing the human touch.
High-Touch Banking, Now Fully Digital
Picture of Ashish Garg

Ashish Garg

Co-founder & CEO

Generative AI isn’t the future; it’s already transforming how credit unions and community banks engage, support, and grow. From 24/7 assistants to multilingual support and hyper-personalized interactions, this guide breaks down five game-changing ways AI is helping CFIs scale smarter, serve faster, and keep the human touch at the heart of every interaction.
It's 11:30 p.m. You've just realized your debit card is missing. You grab your phone, call the bank, and brace yourself. "Press 1 for billing. Press 2 for support. Press 3 to return to the main menu."
In our previous post, we introduced AI Voice Agents and showed how they're replacing the frustrating IVR experience with empathetic, conversational interactions. We explored the problem - endless menus, high abandonment rates, and stripped-away humanity - and introduced the solution: generative AI Voice Agents that listen, understand, and act.
In this series, we've explored the evolution from frustrating IVR systems to empathetic AI Voice Agents (Part 1) and examined the agentic AI technology that makes this transformation possible (Part 2). We've seen how modern Voice Agents can handle complex tasks, operate autonomously, and deliver seamless member experiences.
Community financial institutions (CFIs) have long been the bedrock of trust in local economies, offering personalized service that big banks often can’t match. Now, as artificial intelligence reshapes the financial sector, these institutions face a pivotal moment.
Picture of Ashish Garg

Ashish Garg

Co-founder & CEO

AI is transforming how community financial institutions operate, but doing it right is what sets the best leaders apart. From boosting efficiency and consistency to preserving the human connection, learn how you can responsibly harness AI as a force for good by implementing it with purpose, ethics, and care, without ever compromising trust, transparency, or empathy.
Generative AI is opening new doors for credit unions and community banks to serve members better, operate more efficiently, and stay competitive in a digital world moving at breakneck speed. To help you navigate this transformation, we’re extending bite-sized insights on what it truly means for you and your community.
Picture of Michel Jamati

Michel Jamati

Head of Engineering, Collections BU

Our Collections 2.0 is a people-first debt repayment and collections stack that empowers credit unions and community banks to collect faster and build stronger relationships through empathetic outreach, self-serve flexible payments, intelligent AI workflows, and data-driven insights.
Picture of Aneesh Ballabh

Aneesh Ballabh

Associate Product Manager

Eltropy Video Banking helps credit unions and community banks deliver real-time, face-to-face service, from loan applications to fraud resolution, securely and at scale. Dive in to explore how it powers seamless, compliant digital journeys within the Unified Conversations Platform, without losing the human touch.
High-Touch Banking, Now Fully Digital
Picture of Cindy Brochu

Cindy Brochu

Senior Product Marketing Manager

In today’s digital-first environment, Community Financial Institutions (CFIs) must continuously evolve to meet rising consumer expectations, regulatory shifts, and operational demands. The July 2025 product release is designed to do exactly that; empower your institution with smarter tools, seamless integrations, and personalized experiences that strengthen relationships and drive loyalty.
Picture of Cindy Brochu

Cindy Brochu

Senior Product Marketing Manager

In a landscape where service expectations are rising and operational efficiency is non-negotiable, Credit Unions and Community Financial Institutions (CFIs) must continuously evolve. At Eltropy, we believe meaningful innovation doesn’t just solve problems—it makes people feel seen, heard, and supported.
Picture of Pramod Manjunath

Pramod Manjunath

Product Manager

Eltropy Office Phone closes the gap between in-branch desk phones and remote softphones, replacing legacy systems with a modern, cloud-native platform that unifies every employee, from front line to the back office. The result? Lower costs, seamless handoffs, and consistent consumer experience across your entire institution.
Picture of Amir Tajkarimi

Amir Tajkarimi

Head, Collections Business Unit

Here's the thing about your quarterly 5300 Call Report: it's not just paperwork. It's how examiners, auditors, and your board judge whether you're running a tight ship or heading for trouble.
Picture of Cindy Brochu

Cindy Brochu

Senior Product Marketing Manager

As Credit Unions and Community Financial Institutions (CFIs) continue to evolve their digital ecosystems, one thing remains clear: the tools you rely on must not only work; they must work together, support compliance, and enhance human connection.
Picture of Ashutosh Dubey

Ashutosh Dubey

Product Manager

Community banks and credit unions are navigating two competing forces: rapidly rising consumer expectations and the operational limitations of legacy communication channels. At Eltropy, we’re tackling that challenge head-on with the launch of Eltropy Rich Communication Services (RCS) - the next-generation messaging channel that will transform traditional SMS into branded, interactive, and secure conversations.
Your members don’t want to drive across town to drop off a check, and they shouldn’t have to. As digital expectations rise, traditional mobile deposit often creates more friction than convenience. Eltropy Product Manager Praveen Konda breaks down why agent-guided remote check deposit is the smarter way forward for credit unions and community banks to deliver instant convenience without losing the personal touch that defines community finance.
Eltropy Video Banking empowers community banks to bring their signature in-branch experience to every screen. In this piece, Eltropy’s Brian Beach dives into how video banking bridges the gap between trust and technology, proving the future of banking isn’t just virtual, it’s human at scale.
Our new Desktop App empowers credit unions and community banks with a distraction-free, high-performance workspace that eliminates browser crashes, boosts responsiveness, and powers seamless engagement that keeps every conversation moving without a hitch.
Picture of Ashish Garg

Ashish Garg

Co-founder & CEO

Weeks-long loan cycles are out. Credit unions and community banks can now fast-track approvals with real-time messaging, out-of-the-box integrations, and automation that clears bottlenecks, cutting through the noise to deliver speed, precision, and a better service experience at scale.
Picture of Ashish Garg

Ashish Garg

Co-founder & CEO

Generative AI isn’t the future; it’s already transforming how credit unions and community banks engage, support, and grow. From 24/7 assistants to multilingual support and hyper-personalized interactions, this guide breaks down five game-changing ways AI is helping CFIs scale smarter, serve faster, and keep the human touch at the heart of every interaction.
Picture of Ashish Garg

Ashish Garg

Co-founder & CEO

The most competitive credit unions and community banks aren’t choosing between digital and in-branch, they’re combining both to deliver smarter, faster, more human service. This blueprint shows how you can easily transition to a high-impact Phygital (Physical + Digital) strategy that maximizes efficiency, strengthens connections, and turns hybrid experiences into your greatest advantage.
With 85% of members preferring Text over Calls, forward-thinking credit unions and community banks are turning staffing challenges into a strategic advantage. By embracing digital channels, automating routine tasks with AI, and upskilling lean teams, they are delivering faster service, reducing costs, and building future-ready call centers that do more with less.
Picture of Ashish Garg

Ashish Garg

Co-founder & CEO

Video banking is becoming a strategic force multiplier for credit unions and community banks, helping them prevent fraud, serve beyond the branch, and operate more efficiently with leaner teams. By enabling secure, face-to-face digital interactions, forward-thinking institutions are scaling smarter, staying personal, and delivering real-time, human service in a digital-first world.
Picture of Subhra Bhattacharya

Subhra Bhattacharya

Sr. Director, Customer Success

At Eltropy, customer success is a continuous, collaborative effort, built every day through each interaction with our customers. Discover frontline insights and real-world strategies from our CSM team that drive lasting impact, empowering both Eltropy and our customers to deliver meaningful results for the communities they serve.
Picture of Kaitlin Ramos

Kaitlin Ramos

Director, Customer Success

At Eltropy, customer success is a continuous, collaborative effort, built every day through each interaction with our customers. Discover frontline insights and real-world strategies from our CSM team that drive lasting impact, empowering both Eltropy and our customers to deliver meaningful results for the communities they serve.
Picture of Laura Re

Laura Re

Director of Product Marketing

From one well-intentioned purchase to a full-blown Frankenstein tech stack, credit unions and community banks are now juggling six or more disconnected systems. Laura Re, Director of Product Marketing at Eltropy, uncovers the hidden costs and shows how unifying communications with the Eltropy One Platform can streamline operations and slash inefficiencies.
Picture of Nandita Verma

Nandita Verma

VP of Marketing

Everyone says “Do More With Less.” Few actually understand it. In this refreshingly honest take, Nandita Verma, Eltropy’s VP of Marketing, explores the four myths and four truths behind this phrase, revealing why it’s not about overburdening the teams, but making their work smarter, simpler, and more human. A must-read for leaders redefining what productivity truly means in the age of AI.

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Authentication You Can See: Visual Indicators Across Voice, Chat & Video

October  2025

Agents now see clear authentication status indicators on incoming requests across Voice, Chat, and Video. Whether a consumer is fully authenticated, partially authenticated, or unverified, it’s visible immediately on the contact card before the interaction begins.

This enhancement reduces handling time by eliminating redundant verification steps, supports knowledge-based authentication (KBA) workflows, and minimizes the risk of misidentification. For Voice calls routed through AI Voice Agents, the Consumer Identifier is displayed directly in the contact card and Contact Info Panel. For Chat and Video requests originating from online banking, authentication status is flagged upfront, giving agents confidence before handling sensitive servicing requests.

For CFIs prioritizing secure, efficient consumer interactions, this update brings transparency and control to every authenticated conversation.

Zendesk link here

Smarter Queue Management with Channel-Specific Timeouts

October 2025

Administrators can now configure different timeout durations for each communication channel (Voice, Chat, Text, and Video) ensuring that high-priority interactions like voice calls aren’t treated the same as lower-urgency text requests.

Previously, a single timeout setting applied across all channels, which meant voice calls could time out too quickly or text requests could linger too long. Now, each channel can have its own threshold (minimum 1 minute, default 60 minutes, no maximum limit), with changes applied instantly across all queues within that channel. This prevents missed voice calls, provides flexibility for asynchronous channels, and creates consistency across routing behavior.

For multi-channel contact centers, this means better control, fewer missed opportunities, and smarter resource allocation based on channel importance.

Zendesk link here

Direct Extension Dialing for Office Phone Users

October 2025

Consumers calling your main number can now dial a 4-digit extension directly from the IVR and connect instantly to back-office staff, no agent handoff required. New Call Flow Designer blocks (Capture Extension and Transfer to Extension) enable seamless routing, handle invalid inputs and no-reply scenarios, and log every interaction for reporting.

This bridges your Contact Center IVR with Office Phone users and Ring Groups, accelerating consumer connections while reducing agent workload. It’s table-stakes parity with core UCaaS platforms and a key differentiator among CCaaS vendors, positioning Eltropy as a true unified communications platform.

Zendesk link here

Branded Outbound Calling with Configurable Caller ID

October 2025

Administrators can now assign specific outbound numbers to each Office Phone user, whether it’s a direct DID, department number, or common branded number. External calls display the configured number as the caller ID, ensuring every outbound interaction reflects your institution’s identity.

Users without a configured outbound number cannot make external calls, giving admins granular control over calling permissions. For CFIs managing brand consistency and compliance across distributed teams, this update provides the flexibility and oversight needed to maintain trust in every call.

Zendesk link here

Branch-Specific E911 Routing for Employee Safety

October 2025

When an employee dials 911 from Eltropy Voice+, emergency responders are now dispatched to the correct physical branch location, not a generic main number. Administrators can configure dedicated E911 outbound numbers at the user level, and users can view (or update, if permitted) their E911 settings directly in their profile.

If no E911 number is configured, the system falls back to the general outbound number and alerts the administrator. This ensures compliance for multi-location CFIs and closes a critical safety gap that previously left branch employees at risk during emergencies.

Zendesk link here

Release Check-Ins Back to the Queue

October 2025

Agents and branch managers can now release ongoing check-ins back to the unassigned (Checked-In) state instead of canceling them. This gives branches flexibility when an agent becomes unavailable or a consumer needs to be served by someone else, eliminating unnecessary cancellations and reducing consumer frustration.

Released check-ins return to the top of the queue and become available for any agent assigned to the branch and service. In-app and text/email notifications inform all relevant staff and the consumer that their check-in is being updated and the next available team member will assist shortly.

Zendesk link here

Balance Appointments and Walk-Ins with Staff Thresholds

October 2025

Branch Managers can now set a minimum staffing threshold for in-branch appointments. When available staff falls below that number, appointment slots are automatically hidden, preventing overbooking and ensuring capacity is preserved for walk-in traffic.

Slots dynamically appear or disappear based on real-time staffing changes, including partial-day schedules and out-of-office adjustments. This prevents staff overload, reduces burnout, improves operational efficiency, and delivers a more consistent consumer experience, even on low-staff days.

Zendesk link here

Smarter Transfers and Authentication Visibility in AI Voice Agents

September 2025

AI Voice Agents now display authentication labels (full, partial, or failed) directly in the contact card alongside the Party ID, making it easier for agents to validate and manage authenticated requests. A new transfer interception layer asks if the bot can help before escalating to a live agent, reducing unnecessary handoffs and boosting resolution rates.

Additionally, calls that trigger warning codes are now automatically routed to the correct department, enhancing accuracy and ensuring sensitive cases are handled appropriately from the start.

Zendesk link here

Enhanced PDF Viewing and Smarter Dictation in AI Assistants

October  2025

AI Assistants now offer a better user experience with scrollable PDF viewing (no more page-by-page clicking), expanded AI notes that display in one screen, language translation labels showing the original language at a glance, and smarter dictation that appends input instead of replacing existing text.

These updates make daily workflows smoother, more intuitive, and more efficient for staff relying on AI-powered support.

Zendesk link here

Configurable Message Sync and Number Lookup for Temenos Collections

October 2025

Two new configuration options expand flexibility for Temenos Collections integrations. CFIs can now enable or disable number lookup to verify SMS deliverability before sending (supporting U.S. territories like the 787 area code that may be misclassified as international). Additionally, a new feature flag controls whether full outbound message bodies sync back to Temenos Workflows, or only pre-configured templates with metadata, reducing workflow clutter and storage use.

Zendesk Link Here 

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