Designing the Future for Online and Mobile Tools

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A CEO Strategic Boot Camp Initiative

During the 2018 CEO Strategic Developers Boot Camp in November 2018, CEOs brainstormed on the future of online and mobile tools from a big-picture, strategic point of view.  In addition to exploring our collective vision for the future of online and mobile products, CU*Answers reviewed two 2019 initiatives that serve as templates for tactical approaches: the Online ’19 proof-of-concept project, and launching the new CU*Answers Mobile Technologies Group (MTG).

NEW!  View the Boot Camp Update presentation from the November CEO Strategies event
NEW!  Introducing WAM (Websites for Authenticated Members), the next phase of the Online ’19 initiative

Recap of Previous Posts

The Task Force

The Designing the Future for Online & Mobile Tools Task Force met on Tuesday and Wednesday, March 26 & 27, 2019.  The Task Force consists of 13 participants from 11 credit unions.  Their role is to help our teams design new approaches for serving authenticated members, new ways of orchestrating the dance between the marketing value of a website and the actions of an online banking toolset, and new strategies for small-audience mobile apps.


Q: Is CU*Answers going to add Zelle to its mobile offerings?

A: A common request from credit union employees, although generally not from credit union management, is that the network (CU*Answers or should move to “get” Zelle.  While we understand the general rule of thumb that if members seem to like a solution it makes sense to match it, in this case the credit union business leader needs to look deeper:

  • Zelle is a branded solution for P2P.  It is a community that you join.  Zelle provides a P2P transaction approach that is unique to their brand.  Your credit union can contact Zelle directly to find a distributor that will connect your CU with Zelle.  Once you have completed your due diligence with the distributor and wish to move forward, CU*Answers will work with you and your distributor to interface your members with the Zelle network and activate your program.  Integrations to Zelle solutions and distributors are a custom project and may have custom project fees.
  • Beyond Zelle’s total solution (member-facing and CU settlement), some credit unions are pursuing their own P2P solution that relies on the Zelle settlement approach, provided by a connection with The Clearing House (  Once again, many vendors can provide a connection with this settlement network for an extended and fast settlement approach for P2P activity.  Researching The Clearing House and the Real Time Payment (RTP) network settlement might be another way to emulate a Zelle-type P2P solution in the future.
  • Finally, you can compare Zelle memberships with other P2P packaged solutions such as the one offered by CU*Answers and powered by Payveris, the bill pay vendor.  P2P solutions are common with payment vendors today.

Since there appear to be ample providers of Zelle connections, CU*Answers has no plans to be a distributor of the Zelle solution.  We do anticipate that sooner or later a credit union will direct CU*Answers to facilitate a connection between our CU*BASE solution and a Zelle relationship, but that timing is unknown at this time.

December 17, 2019

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