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Credit unions are facing a complex challenge. Delinquency rates are ticking upward, staffing remains tight, and member expectations have fundamentally shifted. Today’s members want more than reminders and repayment notices—they want autonomy. They expect the ability to resolve financial obligations the same way they shop, bank, or communicate: digitally, on their own terms, and without unnecessary friction.

As financial institutions navigate rising delinquency rates and shifting member expectations, credit unions face a critical question: How can we better support members in resolving their debts—without increasing internal strain or compromising experience? One powerful answer is self-service collections.

Loan delinquencies are on the rise—and credit unions are feeling the impact. As economic pressure mounts, many members are struggling to mee