Q2 Assists 4Front Credit Union in Enhancing Primacy and Member Satisfaction

Q2 Holdings Partners with 4Front Credit Union to Transform Digital Banking Experience and Achieve $60 Million Loan Growth

Q2 Holdings, Inc. (NYSE: QTWO), a leading provider of digital transformation solutions for financial services, has announced a successful partnership with 4Front Credit Union to enhance its digital banking platform. The collaboration has enabled 4Front to significantly improve its digital banking experience for its 100,000 members, while also driving an impressive $60 million increase in annual loan volume. This achievement underscores the critical role of speed and innovation in the financial services sector, where the demand for seamless, efficient digital solutions is greater than ever.

“In today’s fast-paced environment, speed to market is essential,” said Anthony Ianniciello, Vice President of Product Management at Q2. “Financial institutions that are able to integrate fintech solutions directly into their digital banking platforms are better positioned to serve their members more comprehensively, addressing their financial needs more efficiently.”

Empowering 4Front Credit Union’s Digital Transformation

4Front Credit Union, based in Michigan, is a member-focused financial institution that has achieved over $1 billion in assets. With a legacy spanning over 70 years, 4Front has remained committed to providing innovative and accessible banking solutions to its members. The credit union recognized the importance of modernizing its systems to keep pace with technological advancements and changing member expectations.

Through its collaboration with Q2, 4Front has successfully transformed its digital banking environment, streamlining operations and enhancing the overall member experience. By integrating Q2’s cutting-edge digital transformation tools, the credit union was able to modernize its infrastructure and provide a superior banking experience. This has led to a significant improvement in member engagement, with more than a million monthly logins, and has fostered greater member loyalty.

“By modernizing our systems, we’ve been able to offer our members a differentiated and superior digital banking experience,” said Andy Kempf, CEO of 4Front Credit Union. “The partnership with Q2 has not only helped us build credibility with our members but has also contributed to increasing our primacy with them. Our ability to provide our members with the solutions they need directly through our digital banking platform has deepened the end-user experience and strengthened our relationship with them.”

Accelerating Member Engagement with Fintech Solutions

One of the key features of 4Front’s transformation has been the integration of popular fintech solutions directly into its digital banking platform. By leveraging Q2 Innovation Studio, 4Front has been able to offer members access to a wide range of fintech products and services without requiring them to visit third-party websites or download additional apps.

Q2 Innovation Studio is a powerful, flexible tool that enables financial institutions to easily integrate fintech solutions within their digital banking ecosystem. This integration has been crucial in helping 4Front stay ahead of its members’ expectations. The credit union uses pre-built fintech integrations, such as SavvyMoney, a platform that provides financial wellness tools, along with the integration of third-party fintech products like QCash, a digital lending solution.

By incorporating these fintech solutions into its digital banking platform, 4Front has been able to offer valuable financial wellness resources to its members, allowing them to manage their finances more effectively. These offerings have directly contributed to significant growth in the credit union’s loan volume, helping it achieve an additional $60 million in loans issued annually. Importantly, this growth has been achieved without the need for additional marketing or increased overhead, highlighting the efficiency and effectiveness of the integrated solutions.

“We’re proud of the role Q2 has played in empowering 4Front to achieve its growth objectives,” said Ianniciello. “By offering fintech solutions directly within the digital banking platform, 4Front is providing its members with greater convenience and access to the financial tools they need. This, in turn, is helping to foster stronger member engagement and build long-term loyalty.”

Driving Innovation and Enhancing Operational Excellence

The partnership between Q2 and 4Front has not only benefited members but has also resulted in significant operational improvements. The implementation of Q2’s solutions has allowed 4Front to streamline its internal operations, reducing manual processes and improving efficiency. This operational excellence has allowed the credit union to scale its services while maintaining high standards of customer service.

Additionally, the use of Q2’s robust, award-winning software development kit (SDK) has enabled 4Front to integrate third-party fintech solutions seamlessly into its existing digital platform. The SDK’s flexibility and power make it easier for 4Front to expand its range of offerings and provide its members with even more services, all within a single, unified digital experience.

“With Q2’s technology, we can quickly adapt to the changing needs of our members and deliver new solutions that address their evolving financial needs,” said Kempf. “This level of innovation is essential in today’s competitive financial landscape, and it has been key to our ability to maintain our position as a leading credit union in Michigan.”

A Future-Focused Approach to Digital Banking

The success of 4Front Credit Union’s digital transformation is just the beginning. With Q2’s ongoing support, 4Front is well-positioned to continue evolving its digital offerings and expanding its range of services. The partnership will continue to play a vital role in helping 4Front keep pace with member expectations and meet the growing demand for digital banking solutions.

Looking ahead, Q2’s continued commitment to innovation will ensure that 4Front remains at the forefront of digital banking. The credit union plans to further enhance its digital banking platform, adding new features and expanding its fintech partnerships to provide even more value to its members.

“We are incredibly excited about the future of our partnership with Q2,” said Kempf. “The tools and solutions we’ve implemented today have already had a significant impact on our business, but we’re just getting started. As the financial landscape continues to evolve, we’re confident that our continued collaboration with Q2 will enable us to stay ahead of the curve and provide our members with the best possible experience.”

The collaboration between Q2 and 4Front Credit Union represents a powerful example of how digital transformation can drive growth, improve operational efficiency, and enhance member engagement. By integrating fintech solutions directly into its digital banking platform, 4Front has been able to offer its members a more convenient and comprehensive banking experience, while also achieving impressive financial growth. The success of this partnership underscores the importance of innovation in the financial services sector, where the ability to adapt to changing member needs is crucial.

As financial institutions around the world continue to navigate the digital age, partnerships like the one between Q2 and 4Front Credit Union will play a critical role in shaping the future of banking. With a focus on speed, convenience, and operational excellence, Q2 and 4Front are paving the way for a new era of digital banking that puts the needs of members first.

For more information on 4Front’s partnership with Q2, read the case study here. To learn more about the Q2 Innovation Studio, click here.

About Q2 Holdings, Inc.

Q2 Holdings, Inc. is a leading provider of digital transformation solutions for the financial services industry. Serving banks, credit unions, alternative finance companies, and fintechs across the United States and internationally, Q2 enables its clients to deliver data-driven, comprehensive digital engagement solutions for consumers, small businesses, and corporate clients. Headquartered in Austin, Texas, Q2 is publicly traded on the NYSE under the stock symbol QTWO. To learn more about Q2, visit www.Q2.com. Stay connected by following Q2 on LinkedIn and X for the latest updates.

About 4Front Credit Union

Founded more than 70 years ago, 4Front Credit Union is a not-for-profit cooperative based in Michigan, serving over 100,000 members with assets exceeding $1 billion. With 20 locations across the state, 4Front is dedicated to making banking simple, smart, and accessible for members at every stage of their financial journey. Membership is available to anyone who lives, works, attends school, or worships in Michigan. Visit www.4frontcu.com for more information.

Read more: Q2 Assists 4Front Credit Union in Enhancing Primacy and Member Satisfaction

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