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192-225%

Digital Deposit Growth

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50-60%

Lower Implementation Cost

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50%

quicker time to go live

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100+

prebuilt connectors

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10% Uptake on personalized cross-sell offers during account opening

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15% decrease in member attrition year-over-year

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AI innovation leader pioneering AI pilots that redefine the credit union experience

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Client Overview

With Candescent’s digital banking platform as the foundation, Meriwest transformed years of analytics investments into AI-powered engagement—turning insights into meaningful offers, deepening relationships, and driving measurable loyalty.

The Opportunity

Members in one of the world’s most innovative regions expected more than traditional banking. Meriwest needed to anticipate member needs, personalize every interaction, and build loyalty through intelligence—without sacrificing compliance or speed.

Key Benefits at a Glance

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Omni-channel by Design:

One platform across digital, branch, and call center for seamless onboarding

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Fast, Cost-Efficient Deployment:

Go live in weeks at up to 60% lower implementation cost than legacy vendors

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Modern UX that Converts:

Mobile-first design reduces abandonment and drives higher completion rates

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Proven ROI:

192%-225% digital deposit growth and 75% faster branch account openings

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The Solution

By connecting its “next best product” recommender engine to Candescent’s platform, Meriwest delivers real-time, personalized offers throughout the member journey—from account opening to daily engagement. Candescent powers both the data intelligence and the member-facing experience, ensuring every touchpoint feels intuitive, connected, and human.

The Impact

Stronger engagement

AI-driven cross-sell campaigns based on data fed to Meriwest through Candescent’s platform have up to a 10% uptake when additional offers are presented during account opening.

Greater loyalty

Attrition is down 15% between January – September 2025 compared to the same period last year.

Innovation leadership

By integrating AI, Meriwest has become a proving ground for next-generation digital experiences.

Ready to see what’s possible with Candescent?

Join the growing list of credit unions transforming digital banking with Candescent. Faster launches, happier members, stronger ROI – without the friction.