Next Wave In Community Finance

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 Steve Jensen

Steve Jensen

Public Relations Consultant

What if the stories you’re already living every day could transform how your institution is seen in the industry? PR specialist Steve Jensen breaks down why visibility matters far more than most CFIs realize and how even small teams can earn real media attention without big budgets. If you think PR is “for the big guys,” this piece will change your mind.
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."

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.
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.
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 Steve Jensen

Steve Jensen

Public Relations Consultant

What if the stories you’re already living every day could transform how your institution is seen in the industry? PR specialist Steve Jensen breaks down why visibility matters far more than most CFIs realize and how even small teams can earn real media attention without big budgets. If you think PR is “for the big guys,” this piece will change your mind.
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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Abandon Option for In-progress Identity Verification

December 2025

Agents can now abandon an active Identity Verification (IDV) request at any time during a chat or video interaction. As soon as an IDV is initiated, the agent sees an Abandon option that clears the verification task from the consumer’s screen immediately, without ending the entire conversation.

Consumers may get stuck during IDV due to device issues, QR code failures, upload problems, or kiosk limitations. Without the ability to cancel the flow, agents previously had to end the entire video call and start a new session, creating delays and frustration. This enhancement allows agents to quickly resolve blocked IDV sessions and continue assisting the consumer without interruption, saving several minutes per incident.

The system logs the abandoned action in conversation history and updates the View Progress modal to reflect the abandoned state, maintaining full audit trails for compliance.

Zendesk link here

Consult and Transfer Between Contact Center and Office Phone

December 2025

Contact Center agents can now consult with Office Phone users before transferring voice calls, placing consumers on hold, speaking privately with back-office staff, and completing informed transfers only when the specialist confirms they can help. Office Phone users gain the same warm transfer capability, creating consistent workflows across all voice calls.

Agents quickly check availability, search by name or extension, and connect during active calls. If the specialist is unavailable, control returns to the original agent instantly, no dropped calls, no blind transfers.

By enabling warm voice transfers between Contact Center and Office Phone, this update bridges front-office and back-office communications on a unified platform. It reduces unnecessary back-and-forth, prevents consumers from repeating themselves during transfers, and improves first-call resolution through better agent coordination.

Zendesk link here

Mandatory Disclosure Review and Improved Post-signing Access for E-Signature

December 2025

Eltropy E-Signature now ensures full E-SIGN Act compliance with two critical enhancements: mandatory disclosure review before signing and complete post-signing document access.

Consumers must now review the E-Sign Disclosure before signing any document, with scroll-to-end enforcement ensuring they’ve actually seen the content. The Accept option becomes available only after the disclosure is fully reviewed, with clear guidance across all devices. This mandatory enhancement applies to both E-Signature and E-Notary flows.

After signing is complete, consumers receive a secure link to view, download, or print both the signed document and the E-Sign Disclosure they accepted,working seamlessly on desktop and mobile devices. Previously, signers received only the final document, creating a compliance gap. This enhancement provides full access to both documents, allowing consumers to retain vital records while CFIs maintain complete audit traceability.

Together, these updates close critical E-SIGN Act compliance gaps by ensuring informed consent before signing and complete document access after signing.

Zendesk link here

Informational Banners in Payment Portal

December 2025

Financial institutions can now share important messages with consumers directly on the payment portal through informational banners. Display timely messages at the moment of payment, system maintenance notices, payment processing updates, holiday schedule changes, or important reminders,reducing consumer confusion and support inquiries.

Currently, banners apply at the organization level with the same message displayed across all payment campaigns. January 2026 will extend this capability to individual message templates, enabling campaign-specific messaging. In-portal banners ensure visibility at the critical moment when consumers are completing payments, providing clear guidance or updates during the payment flow without requiring separate emails or communications. This improves the overall payment experience by proactively addressing questions before they become support calls.

Zendesk link here

Improved Metrics and Interaction Drilldown for Live! Dashboard

December 2025

The Live! Dashboard now displays missed and rejected requests alongside existing metrics for complete operational transparency. Clicking any metric instantly shows the full list of interactions associated with that value, and users can select View Insights on any interaction to access Conversation Intelligence analysis.

The dashboard updates its classification rules so agent performance metrics reflect accurate engagement behavior. Completed interactions include all interactions completed by the agent or closed by the system after assignment. Missed interactions only track events where an agent misses the request after assignment (removing unfair attribution for contact drop events). Rejected interactions include events where the assigned agent explicitly rejects an inbound request. These updates ensure agent-level performance metrics align with actual agent actions, providing more reliable insights for staffing, coaching, and workload evaluation.

Zendesk link here

AI Assistants: Upload Once, Assign to Multiple Knowledge Groups

December 2025

Upload once, assign to multiple groups. When the file updates, changes sync across all groups automatically, update once, it applies everywhere.

This eliminates duplicate files cluttering the knowledge base and solves version control nightmares where different groups reference different versions of the same document. Admins managing knowledge sources save significant time by uploading once instead of repeatedly for each team, while ensuring consistent information across all groups. No more scenarios where IT updates a document but HR still references the old version,everyone sees the same current information automatically.

Zendesk link here

DocuSign Enhancements: Resend & Guide During Live Interactions

December 2025

Agents can now resend previously sent but incomplete DocuSign envelopes during active video, chat, or text interactions. This allows consumers to complete signing within the same live session or receive a fresh signing link if the original was missed.

This reduces abandoned signatures and signing errors by allowing agents to guide consumers in real time through the signing process. It’s invaluable for complex or high-risk documents and for consumers who need additional support during signing. Instead of waiting for follow-up after the interaction ends, agents resolve incomplete signatures immediately while the consumer is engaged and ready to complete the task.

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

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