1 (self.webpackChunk_N_E=self.webpackChunk_N_E||[]).push([[64496],{70512:function(a,b,c){(window.__NEXT_P=window.__NEXT_P||[]).push(["/executive-briefs/advancial-fcu",function(){return c(60644)}])},54685:function(a,b,c){"use strict";c.d(b,{Z:function(){return m}});var d=c(85893);c(67294);var e=c(19521),f=c(30609);function g(){var a,b,c=(a=["\n width: 100%;\n"],b||(b=a.slice(0)),Object.freeze(Object.defineProperties(a,{raw:{value:Object.freeze(b)}})));return g=function(){return c},c}var h=[{marketoId:"FirstName",label:"First Name",type:"text",required:!0},{marketoId:"LastName",label:"Last Name",type:"text",required:!0},{marketoId:"Phone",label:"Phone Number",type:"tel",required:!0,fullWidth:!0},{marketoId:"Email",label:"Work Email",type:"email",required:!0,fullWidth:!0},{marketoId:"Company",label:"Company",type:"text",required:!0,fullWidth:!0},{marketoId:"Title",label:"Job Title",type:"text",required:!0,fullWidth:!0},{marketoId:"Job_Focus__c",label:"Job Focus",type:"select",required:!0,fullWidth:!0,options:[{value:"Consumer / Retail Banking",label:"Consumer / Retail Banking"},{value:"Customer Experience",label:"Customer Experience"},{value:"Data / Open Banking",label:"Data / Open Banking"},{value:"Digital Strategy / Engagement",label:"Digital Strategy / Engagement"},{value:"Founder / CEO / President",label:"Founder / CEO / President"},{value:"Information / Technology",label:"Information / Technology"},{value:"Marketing",label:"Marketing"},{value:"Other",label:"Other"},]},{marketoId:"Job_Focus_Other__c",label:"Please describe your role",type:"text",required:!0,fullWidth:!0,showWhen:{field:"Job_Focus__c",value:"Other"}},],i=e.default.div.withConfig({componentId:"sc-3ff39d7a-0"})(g());function j(a){var b=a.subheader;return(0,d.jsx)(i,{children:(0,d.jsx)(f.Z,{header:"Get in Touch",subheader:b,formId:1075,fields:h,onSubmit:function(){window.dataLayer=window.dataLayer||[],window.dataLayer.push({event:"formComplete",formType:"demo request",formID:"1075",formPosition:"executive-brief-cta",formStyle:"embedded"});var a=window.location.search;window.location="/executive-briefs/thank-you/"+a}})})}function k(){var a,b,c=(a=["\n display: grid;\n grid-template-columns: 1fr 1fr;\n gap: 48px;\n align-items: start;\n margin-top: 40px;\n\n && {\n padding-top: 30px;\n }\n\n @media (max-width: 900px) {\n grid-template-columns: 1fr;\n gap: 32px;\n }\n\n .bio .shot {\n width: 124px;\n height: 124px;\n border-radius: 50%;\n object-fit: cover;\n border: 3px solid rgba(0, 195, 255, 0.55);\n box-shadow: 0 14px 40px rgba(0, 0, 0, 0.4);\n margin-bottom: 22px;\n }\n .bio .hdr {\n font-size: 26px;\n font-weight: 800;\n letter-spacing: -0.02em;\n margin-bottom: 12px;\n }\n .bio .hdr .nm {\n color: var(--cyan);\n }\n .bio p {\n font-size: 15.5px;\n color: rgba(255, 255, 255, 0.74);\n line-height: 1.68;\n margin-bottom: 10px;\n max-width: 520px;\n }\n .bio a {\n color: var(--cyan);\n text-decoration: none;\n font-weight: 600;\n }\n .bio .role {\n font-size: 13px;\n color: rgba(255, 255, 255, 0.48);\n font-weight: 600;\n letter-spacing: 0.06em;\n text-transform: uppercase;\n margin-bottom: 0;\n margin-top: 4px;\n }\n"],b||(b=a.slice(0)),Object.freeze(Object.defineProperties(a,{raw:{value:Object.freeze(b)}})));return k=function(){return c},c}var l=e.default.div.withConfig({componentId:"sc-42bbcae9-0"})(k());function m(a){var b=a.role,c=a.children;return(0,d.jsxs)(l,{children:[(0,d.jsxs)("div",{className:"bio",children:[(0,d.jsx)("img",{className:"shot",src:"https://assets.mx.com/images/executive-briefs/joshua-baker.png",alt:"Joshua Baker",width:"124",height:"124"}),(0,d.jsxs)("div",{className:"hdr",children:["My name is ",(0,d.jsx)("span",{className:"nm",children:"Joshua Baker"}),"."]}),c,(0,d.jsx)("p",{className:"role",children:void 0===b?"Account Executive \xb7 ÌÇÐÄ´«Ã½ Technologies \xb7 mx.com":b})]}),(0,d.jsx)(j,{})]})}},15490:function(a,b,c){"use strict";var d=c(19521);function e(){var a,b,c=(a=["\n --hero: linear-gradient(\n 135deg,\n #05010f 0%,\n #1a0a3d 35%,\n #0a1f52 70%,\n #003a8c 100%\n );\n --dark: #0a0a0a;\n --blue: #0075ff;\n --teal: #00c3ff;\n --cyan: #00c3ff;\n --purple: #9b3fdf;\n --grad: linear-gradient(135deg, #0075ff 0%, #8b5cf6 100%);\n --ink: #0d0d0d;\n --muted: #5b6470;\n --line: rgba(0, 0, 0, 0.09);\n --light: #fafcff;
1\n --bad: #d6455a;\n --good: #1a9d6a;\n"],b||(b=a.slice(0)),Object.freeze(Object.defineProperties(a,{raw:{value:Object.freeze(b)}})));return e=function(){return c},c}var f=(0,d.css)(e());b.Z=f},61520:function(a,b,c){"use strict";c.d(b,{Z:function(){return e}});var d=c(67294);function e(){(0,d.useEffect)(function(){var a=new IntersectionObserver(function(b){b.forEach(function(b){b.isIntersecting&&(b.target.classList.add("vis"),a.unobserve(b.target))})},{threshold:.15});return document.querySelectorAll(".reveal").forEach(function(b){return a.observe(b)}),function(){return a.disconnect()}},[])}},30609:function(a,b,c){"use strict";c.d(b,{Z:function(){return j}});var d=c(85893),e=c(19521),f=c(21801),g=c(79617);function h(){var a,b,c=(a=["\n --sf-accent: #0075ff;\n\n ","\n\n background: #fff;\n border-radius: 20px;\n overflow: hidden;\n box-shadow: 0 8px 40px rgba(0, 0, 0, 0.25);\n\n /* Gradient header */\n .demo-header {\n background: linear-gradient(\n 279deg,\n #9b3fdf 4.21%,\n #0075ff 55.6%,\n #00c3ff 100%\n );\n padding: 30px 40px;\n\n h2 {\n font-size: 24px;\n font-weight: 700;\n letter-spacing: -0.36px;\n color: #fff;\n margin: 0;\n line-height: 1.2;\n\n @media (max-width: 600px) {\n font-size: 26px;\n }\n }\n p {\n color: rgba(255, 255, 255, 0.85);\n font-size: 15px;\n margin: 8px 0 0;\n }\n }\n\n /* Form body */\n .demo-body {\n background: #f8f9fb;\n padding: 50px 40px;\n\n @media (max-width: 600px) {\n padding: 24px 20px 28px;\n }\n }\n\n /* 2-col grid; selects and textarea fields span full width */\n .sf-form {\n display: grid;\n grid-template-columns: 1fr 1fr;\n gap: 20px 28px;\n\n @media (max-width: 600px) {\n grid-template-columns: 1fr;\n }\n }\n .sf-field--select,\n .sf-field--textarea,\n .sf-field--full {\n grid-column: 1 / -1;\n }\n\n /* Floating label */\n .sf-field {\n position: relative;\n padding-top: 18px;\n }\n .sf-label {\n position: absolute;\n top: 22px;\n left: 0;\n font-size: 14px;\n font-weight: 400;\n color: #999;\n pointer-events: none;\n transition:\n top 0.18s ease,\n font-size 0.18s ease,\n color 0.18s ease;\n line-height: 1;\n margin: 0;\n }\n /* Float up on focus or when the field has a value */\n .sf-field:focus-within .sf-label,\n .sf-field--has-value .sf-label {\n top: 0;\n font-size: 11px;\n color: var(--sf-accent);\n font-weight: 500;\n }\n /* Selects always show the label floated since they always display a value */\n .sf-field--select .sf-label {\n top: 0;\n font-size: 11px;\n font-weight: 500;\n }\n /* Error: label turns red when not focused */\n .sf-field--error:not(:focus-within) .sf-label {\n color: #e0392d;\n }
1\n\n /* Underline-only inputs */\n .sf-input,\n .sf-select,\n .sf-textarea {\n border: none;\n border-bottom: 1.5px solid #ccc;\n border-radius: 0;\n background-color: transparent;\n padding: 4px 0 8px;\n height: 36px;\n\n &:focus {\n border-color: var(--sf-accent);\n background-color: transparent;\n }\n }\n .sf-field--error .sf-input,\n .sf-field--error .sf-select,\n .sf-field--error .sf-textarea {\n border-color: #e0392d;\n }\n .sf-textarea {\n height: auto;\n padding: 4px 0 8px;\n }\n\n /* Span both columns so justify-self: center (from base) can center the pill */\n .sf-submit {\n grid-column: 1 / -1;\n }\n\n /* Fine print */\n .demo-fine-print {\n font-size: 12px;\n color: #888;\n text-align: center;\n line-height: 1.7;\n margin: 20px 0 0;\n\n a {\n color: #0075ff;\n text-decoration: none;\n &:hover {\n text-decoration: underline;\n }\n }\n }\n"],b||(b=a.slice(0)),Object.freeze(Object.defineProperties(a,{raw:{value:Object.freeze(b)}})));return h=function(){return c},c}var i=e.default.div.withConfig({componentId:"sc-eba3a08e-0"})(h(),g.Z);function j(a){var b=a.formId,c=a.fields,e=a.submitText,g=a.onSubmit,h=a.onLoad,j=a.header,k=a.subheader,l=a.debug;return(0,d.jsxs)(i,{children:[(0,d.jsxs)("div",{className:"demo-header",children:[(0,d.jsx)("h2",{children:void 0===j?"Talk with Our Team":j}),k&&(0,d.jsx)("p",{children:k})]}),(0,d.jsxs)("div",{className:"demo-body",children:[(0,d.jsx)(f.Z,{formId:b,fields:c,submitText:void 0===e?"Submit":e,onSubmit:g,onLoad:h,debug:l}),(0,d.jsxs)("p",{className:"demo-fine-print",children:["By submitting this form, you are confirming you have read and agree to our ",(0,d.jsx)("a",{href:"/terms",children:"Terms and Conditions"})," and"," ",(0,d.jsx)("a",{href:"/privacy",children:"Privacy Statement"}),"."]})]})]})}},99057:function(a,b,c){"use strict";var d=c(47902);b.Z=d.Z},60644:function(a,b,c){"use strict";c.r(b),c.d(b,{"default":function(){return m}});var d=c(85893);c(67294);var e=c(19521),f=c(63189),g=c(99057),h=c(15490),i=c(61520),j=c(54685);function k(){var a,b,c=(a=["\n ","\n\n font-family: \"Inter\", -apple-system, BlinkMacSystemFont, sans-serif;\n color: var(--ink);\n line-height: 1.6;\n background: #fff;\n -webkit-font-smoothing: antialiased;\n\n * {\n margin: 0;\n padding: 0;\n box-sizing: border-box;\n }\n html {\n scroll-behavior: smooth;\n }\n strong,\n b {\n font-weight: 700;\n }\n .gt {\n background: var(--grad);\n -webkit-background-clip: text;\n background-clip: text;\n -webkit-text-fill-color: transparent;\n }\n .wrap {\n max-width: 1080px;\n margin: 0 auto;\n padding: 0 32px;\n }\n a {\n color: var(--blue);\n text-decoration: none;\n }\n p {\n margin-bottom: 14px;\n }\n\n /* hero */\n .hero {\n background: var(--hero);\n color: #fff;\n position: relative;\n overflow: hidden;\n padding: 78px 0 84px;\n padding-top: 120px;\n }\n .hero .hatch {\n position: absolute;\n background-image: repeating-linear-gradient(\n -45deg,\n transparent,\n transparent 5px,\n rgba(41, 217, 240, 0.15) 5px,\n rgba(41, 217, 240, 0.15) 6px\n );\n border-radius: 6px;\n }\n .hero .pill {\n position: absolute;\n border: 1.5px solid rgba(41, 217, 240, 0.35);\n border-radius: 100px;\n }\n .hero .wrap {\n position: relative;\n z-index: 2;\n }\n .hero .kicker {\n font-size: 13px;\n font-weight: 700;\n letter-spacing: 0.18em;\n text-transform: uppercase;\n color: var(--cyan);\n margin-bottom: 18px;\n }\n .hero h1 {\n font-size: 52px;\n font-weight: 800;\n letter-spacing: -0.03em;\n line-height: 1.06;\n max-width: 830px;\n margin-bottom: 20px;\n }\n .hero .sub {\n font-size: 19px;\n color: rgba(255, 255, 255, 0.74);\n max-width: 660px;\n margin-bottom: 28px;\n }\n .hero .tagline {\n font-size: 12px;\n font-weight: 600;\n letter-spacing: 0.14em;\n text-transform: uppercase;\n color: rgba(255, 255, 255, 0.55);\n border-top: 1px solid rgba(255, 255, 255, 0.18);\n padding-top: 20px;\n display: inline-block;\n }\n @media (max-width: 820px) {\n .hero h1 {\n font-size: 34px;\n }\n .hero .sub {\n font-size: 17px;\n }\n .hero {\n padding: 56px 0 60px;\n }\n }\n\n section.block {\n padding: 74px 0;\n }\n @media (max-width: 820px) {\n section.block {\n padding: 52px 0;\n }\n }\n .eyebrow {\n font-size: 13px;\n font-weight: 700;\n letter-spacing: 0.14em;\n text-transform: uppercase;\n color: var(--blue);\n margin-bottom: 14px;\n }
1\n h2.sec {\n font-size: 38px;\n font-weight: 800;\n letter-spacing: -0.02em;\n line-height: 1.12;\n margin-bottom: 12px;\n }\n .sec-sub {\n font-size: 18px;\n color: var(--muted);\n max-width: 720px;\n }\n @media (max-width: 820px) {\n h2.sec {\n font-size: 27px;\n }\n .sec-sub {\n font-size: 16px;\n }\n }\n\n .callout {\n background: var(--light);\n border-left: 4px solid var(--blue);\n border-radius: 0 14px 14px 0;\n padding: 24px 28px;\n margin: 28px 0;\n }\n .callout .k {\n font-size: 12px;\n font-weight: 700;\n letter-spacing: 0.1em;\n text-transform: uppercase;\n color: var(--blue);\n margin-bottom: 8px;\n }\n .callout p:last-child {\n margin-bottom: 0;\n }\n\n .quote {\n border-left: 4px solid var(--cyan);\n padding: 6px 0 6px 22px;\n margin: 26px 0;\n font-size: 19px;\n font-style: italic;\n color: #1c2530;\n line-height: 1.5;\n }\n .quote .attr {\n display: block;\n font-style: normal;\n font-size: 12px;\n letter-spacing: 0.08em;\n text-transform: uppercase;\n color: var(--muted);\n margin-top: 12px;\n }\n\n /* standings */\n .snap {\n width: 100%;\n border-collapse: collapse;\n margin-top: 26px;\n }\n .snap th {\n text-align: left;\n font-size: 11px;\n letter-spacing: 0.1em;\n text-transform: uppercase;\n color: var(--muted);\n padding: 0 14px 12px;\n border-bottom: 2px solid var(--line);\n }\n .snap th.r {\n text-align: right;\n }\n .snap td {\n padding: 15px 14px;\n border-bottom: 1px solid var(--line);\n vertical-align: middle;\n }\n .snap td.metric {\n font-weight: 600;\n font-size: 16px;\n }\n .snap td.metric small {\n display: block;\n color: var(--muted);\n font-weight: 400;\n font-size: 13px;\n margin-top: 3px;\n }\n .snap td.val {\n font-weight: 800;\n font-size: 22px;\n text-align: right;\n white-space: nowrap;\n }\n .snap td.val.bad {\n color: var(--bad);\n }\n .snap td.val.good {\n color: var(--good);\n }\n .snap td.peer {\n text-align: right;\n color: var(--muted);\n font-size: 15px;\n white-space: nowrap;\n }\n .snap td.read {\n color: var(--muted);\n font-size: 14px;\n width: 32%;\n }\n @media (max-width: 820px) {\n .snap td.read,\n .snap th.read {\n display: none;\n }\n .snap td.val {\n font-size: 18px;\n }\n .snap td.metric {\n font-size: 14px;\n }\n }\n\n /* stat strip */\n .strip {\n display: flex;\n margin: 36px 0 0;\n background: var(--dark);\n border-radius: 18px;\n overflow: hidden;\n color: #fff;\n flex-wrap: wrap;\n }\n .strip .it {\n flex: 1;\n min-width: 180px;\n padding: 30px 24px;\n text-align: center;\n }\n .strip .it + .it {\n border-left: 1px solid rgba(255, 255, 255, 0.12);\n }\n .strip .n {\n font-size: 44px;\n font-weight: 800;\n line-height: 1;\n background: var(--grad);\n -webkit-background-clip: text;\n background-clip: text;\n -webkit-text-fill-color: transparent;\n }\n .strip .l {\n font-size: 13px;\n color: rgba(255, 255, 255, 0.62);\n margin-top: 11px;\n line-height: 1.45;\n }\n @media (max-width: 720px) {\n .strip .it + .it {\n border-left: none;\n border-top: 1px solid rgba(255, 255, 255, 0.12);\n }\n }\n\n /* engines */\n .flowsrc {\n display: grid;\n grid-template-columns: 1fr 1fr;\n gap: 16px;\n margin-top: 30px;\n }\n @media (max-width: 720px) {\n .flowsrc {\n grid-template-columns: 1fr;\n }\n }\n .fsrc {\n border: 1px dashed rgba(0, 0, 0, 0.18);\n border-radius: 14px;\n padding: 18px 22px;\n text-align: center;\n }\n .fsrc b {\n display: block;\n font-size: 15px;\n margin-bottom: 3px;\n }\n .fsrc span {\n font-size: 14px;\n color: var(--muted);\n }\n .fdown {\n text-align: center;\n color: var(--teal);\n font-size: 22px;\n line-height: 1;\n margin: 12px 0;\n }\n .layer {\n background: var(--hero);\n color: #fff;\n border-radius: 18px;\n padding: 26px 32px;\n text-align: center;\n }\n .layer .t {\n font-size: 12px;\n font-weight: 700;\n letter-spacing: 0.14em;\n text-transform: uppercase;\n color: var(--cyan);\n margin-bottom: 8px;\n }\n .layer .d {\n font-size: 16px;\n color: rgba(255, 255, 255, 0.8);\n max-width: 720px;\n margin: 0 auto;\n line-height: 1.55;\n }\n .engines {\n display: grid;\n grid-template-columns: repeat(4, 1fr);\n gap: 18px;\n margin-top: 6px;\n }\n @media (max-width: 980px) {\n .engines {\n grid-template-columns: 1fr 1fr;\n }\n }\n @media (max-width: 620px) {\n .engines {\n grid-template-columns: 1fr;\n }\n }\n .eng {\n border: 1px solid var(--line);\n border-radius: 16px;\n padding: 24px 22px;\n transition:\n transform 0.25s,\n box-shadow 0.25s;\n }\n .eng:hover {\n transform: translateY(-4px);\n box-shadow: 0 18px 50px rgba(0, 38, 61, 0.1);\n }\n .eng.lead {\n border: 2px solid var(--blue);\n background: rgba(30, 123, 255, 0.035);\n }\n .eng .num {\n font-size: 11px;\n font-weight: 800;\n letter-spacing: 0.12em;\n color: var(--blue);\n margin-bottom: 8px;\n }\n .eng .h {\n font-size: 18px;\n font-weight: 800;\n letter-spacing: -0.01em;\n margin-bottom: 9px;\n line-height: 1.25;\n }\n .eng .b {\n font-size: 14px;\n color: #33383f;\n line-height: 1.6;\n }\n .eng .o {\n font-size: 13px;\n font-weight: 700;\n color: #0090a0;\n margin-top: 14px;\n border-top: 1px solid var(--line);\n padding-top: 12px;\n line-height: 1.45;\n }\n .conv {\n text-align: center;\n font-size: 17px;\n color: var(--muted);\n margin-top: 26px;\n line-height: 1.6;\n }\n .conv b {\n color: var(--ink);\n }\n\n /* GROW three lines */\n .grow3 {\n display: grid;\n grid-template-columns: repeat(3, 1fr);\n gap: 18px;\n margin-top: 8px;\n }\n @media (max-width: 820px) {\n .grow3 {\n grid-template-columns: 1fr;\n }\n }\n .g3 {\n background: var(--hero);\n color: #fff;\n border-radius: 18px;\n padding: 26px 26px;\n }\n .g3 .gl {\n font-size: 11px;\n font-weight: 800;\n letter-spacing: 0.16em;\n color: var(--cyan);\n margin-bottom: 8px;\n }\n .g3 .gh {\n font-size: 26px;\n font-weight: 800;\n letter-spacing: -0.02em;\n margin-bottom: 10px;\n }\n .g3 .gb {\n font-size: 14px;\n color: rgba(255, 255, 255, 0.74);\n line-height: 1.55;\n }\n\n /* GROW legs */\n .leg {\n display: flex;\n gap: 24px;\n background: #fff;\n border: 1px solid var(--line);\n border-radius: 18px;\n padding: 28px 30px;\n margin-top: 20px;\n transition:\n transform 0.25s,\n box-shadow 0.25s;\n }\n .leg:hover {\n transform: translateY(-3px);\n box-shadow: 0 18px 50px rgba(0, 38, 61, 0.09);\n }\n .legnum {\n font-size: 42px;\n font-weight: 800;\n letter-spacing: -0.04em;\n line-height: 1;\n flex-shrink: 0;\n background: var(--grad);\n -webkit-background-clip: text;\n background-clip: text;\n -webkit-text-fill-color: transparent;\n }\n .legbody {\n flex: 1;\n min-width: 0;\n }\n .legh {\n font-size: 24px;\n font-weight: 800;\n letter-spacing: -0.02em;\n margin-bottom: 12px;\n }\n .legtag {\n font-size: 11px;\n font-weight: 800;\n letter-spacing: 0.09em;\n text-transform: uppercase;\n padding: 4px 11px;\n border-radius: 100px;\n vertical-align: 5px;\n margin-left: 10px;\n background: rgba(30, 123, 255, 0.11);\n color: var(--blue);\n }\n .legp {\n font-size: 15px;\n line-height: 1.6;\n color: #33383f;\n margin-bottom: 10px;\n }\n .legp b {\n color: var(--ink);\n }\n .legproof {\n font-size: 14px;\n line-height: 1.55;\n color: #0090a0;\n font-weight: 600;\n border-top: 1px solid var(--line);\n padding-top: 14px;\n margin-top: 14px;\n }\n @media (max-width: 720px) {\n .leg {\n flex-direction: column;\n gap: 10px;\n padding: 24px 22px;\n }\n .legh {\n font-size: 20px;\n }\n .legnum {\n font-size: 34px;\n }\n }\n\n /* CTA */\n .ctaband {\n background: var(--hero);\n color: #fff;\n position: relative;\n overflow: hidden;\n }\n .ctaband .inner {\n padding: 74px 0;\n }\n .ctaband h2 {\n font-size: 36px;\n font-weight: 800;\n letter-spacing: -0.02em;\n max-width: 720px;\n line-height: 1.14;\n margin-bottom: 16px;\n }\n .ctaband .lede {\n font-size: 18px;\n color: rgba(255, 255, 255, 0.72);\n max-width: 660px;\n }\n .steps {\n display: grid;\n grid-template-columns: repeat(3, 1fr);\n gap: 18px;\n margin: 32px 0 34px;\n }\n @media (max-width: 900px) {\n .steps {\n grid-template-columns: 1fr;\n }\n .ctaband h2 {\n font-size: 27px;\n }\n .ctaband .inner {\n padding: 54px 0;\n }\n }\n .step {\n background: rgba(255, 255, 255, 0.06);\n border: 1px solid rgba(255, 255, 255, 0.14);\n border-radius: 14px;\n padding: 24px 26px;\n }\n .step .sn {\n font-size: 22px;\n font-weight: 800;\n color: var(--cyan);\n margin-bottom: 8px;\n }
1\n .step .sh {\n font-weight: 700;\n font-size: 16px;\n margin-bottom: 7px;\n }\n .step .sb {\n font-size: 14px;\n color: rgba(255, 255, 255, 0.68);\n line-height: 1.55;\n }\n .btnrow {\n display: flex;\n gap: 14px;\n flex-wrap: wrap;\n }\n .btn {\n background: var(--blue);\n color: #fff;\n padding: 15px 30px;\n border-radius: 100px;\n font-size: 16px;\n font-weight: 600;\n display: inline-block;\n transition:\n transform 0.2s,\n box-shadow 0.2s;\n cursor: pointer;\n }\n .btn:hover {\n transform: translateY(-2px);\n box-shadow: 0 12px 30px rgba(30, 123, 255, 0.35);\n }\n .btn.ghost {\n background: transparent;\n border: 1.5px solid rgba(255, 255, 255, 0.5);\n }\n\n .intro {\n margin-top: 44px;\n border-top: 1px solid rgba(255, 255, 255, 0.18);\n padding-top: 36px;\n display: flex;\n gap: 28px;\n align-items: center;\n flex-wrap: wrap;\n }\n .intro .shot {\n width: 124px;\n height: 124px;\n border-radius: 50%;\n object-fit: cover;\n flex-shrink: 0;\n border: 3px solid rgba(41, 217, 240, 0.55);\n box-shadow: 0 14px 40px rgba(0, 0, 0, 0.4);\n display: block;\n }\n .intro .txt {\n flex: 1;\n min-width: 260px;\n }\n .intro .hdr {\n font-size: 26px;\n font-weight: 800;\n letter-spacing: -0.02em;\n line-height: 1.2;\n }\n .intro .hdr .nm2 {\n color: var(--cyan);\n }\n .intro .say {\n margin-top: 12px;\n font-size: 17px;\n color: rgba(255, 255, 255, 0.76);\n line-height: 1.55;\n max-width: 52ch;\n }\n .intro .role {\n margin-top: 14px;\n font-size: 12px;\n letter-spacing: 0.1em;\n text-transform: uppercase;\n color: rgba(255, 255, 255, 0.5);\n }\n @media (max-width: 640px) {\n .intro .shot {\n width: 96px;\n height: 96px;\n }\n .intro .hdr {\n font-size: 21px;\n }\n }\n\n /* cases */\n .cases {\n display: grid;\n grid-template-columns: repeat(2, 1fr);\n gap: 22px;\n margin-top: 30px;\n }\n @media (max-width: 900px) {\n .cases {\n grid-template-columns: 1fr;\n }\n }\n .case {\n border: 1px solid var(--line);\n border-radius: 18px;\n padding: 28px 26px;\n display: flex;\n flex-direction: column;\n transition:\n transform 0.25s,\n box-shadow 0.25s;\n }\n .case:hover {\n transform: translateY(-4px);\n box-shadow: 0 18px 50px rgba(0, 38, 61, 0.1);\n }\n .case .tag2 {\n font-size: 11px;\n font-weight: 700;\n letter-spacing: 0.06em;\n text-transform: uppercase;\n padding: 6px 12px;\n border-radius: 100px;\n align-self: flex-start;\n margin-bottom: 18px;\n }\n .tag2.blue {\n background: rgba(30, 123, 255, 0.1);\n color: var(--blue);\n }\n .tag2.teal {\n background: rgba(0, 194, 212, 0.13);\n color: #0090a0;\n }\n .case .fig {\n font-size: 48px;\n font-weight: 800;\n line-height: 1;\n letter-spacing: -0.03em;\n background: var(--grad);\n -webkit-background-clip: text;\n background-clip: text;\n -webkit-text-fill-color: transparent;\n }\n .case .who {\n font-size: 18px;\n font-weight: 800;\n margin-top: 12px;\n }\n .case .sz {\n font-size: 12px;\n color: var(--muted);\n text-transform: uppercase;\n letter-spacing: 0.07em;\n margin-top: 4px;\n }\n .case .body {\n font-size: 14px;\n color: #33383f;\n margin-top: 14px;\n line-height: 1.6;\n flex: 1;\n }\n .case .rel {\n margin-top: 16px;\n padding-top: 14px;\n border-top: 1px solid var(--line);\n font-size: 13px;\n color: var(--blue);\n font-weight: 600;\n line-height: 1.5;\n }\n\n footer.pg {\n background: #06141f;\n color: rgba(255, 255, 255, 0.6);\n padding: 44px 0;\n }\n footer.pg .mark {\n height: 20px;\n width: auto;\n display: block;\n margin-bottom: 16px;\n opacity: 0.92;\n }\n footer.pg .disc {\n font-size: 12px;\n line-height: 1.75;\n max-width: 940px;\n }\n footer.pg .disc strong {\n color: rgba(255, 255, 255, 0.85);\n }\n footer.pg .disc p {\n margin-bottom: 10px;\n }\n\n .reveal {\n opacity: 0;\n transform: translateY(26px);\n transition:\n opacity 0.7s cubic-bezier(0.25, 0.46, 0.45, 0.94),\n transform 0.7s cubic-bezier(0.25, 0.46, 0.45, 0.94);\n }\n .reveal.vis {\n opacity: 1;\n transform: translateY(0);\n }\n\n .toast {\n position: fixed;\n bottom: 24px;\n left: 50%;\n transform: translateX(-50%) translateY(80px);\n background: #0d0d0d;\n color: #fff;\n padding: 13px 22px;\n border-radius: 100px;\n font-size: 14px;\n opacity: 0;\n transition: all 0.35s;\n z-index: 100;\n }\n .toast.show {\n opacity: 1;\n transform: translateX(-50%) translateY(0);\n }\n"],b||(b=a.slice(0)),Object.freeze(Object.defineProperties(a,{raw:{value:Object.freeze(b)}})));return k=function(){return c},c}var l=e.default.main.withConfig({componentId:"sc-e18d4573-0"})(k(),h.Z);function m(){return(0,i.Z)(),(0,d.jsxs)(d.Fragment,{children:[(0,d.jsx)(f.Z,{title:"Advancial FCU Executive Brief | ÌÇÐÄ´«Ã½",noIndex:!0}),(0,d.jsxs)(l,{children:[(0,d.jsxs)("header",{className:"hero",children:[(0,d.jsx)("div",{className:"hatch",style:{width:"320px",height:"200px",top:"40px",right:"-80px",opacity:.6}}),(0,d.jsx)("div",{className:"pill",style:{width:"280px",height:"50px",top:"120px",right:"160px",transform:"rotate(-8deg)"}}),(0,d.jsx)("div",{className:"pill",style:{width:"480px",height:"480px",top:"-220px",right:"-160px"}}),(0,d.jsxs)("div",{className:"wrap",children:[(0,d.jsx)("div",{className:"kicker",children:"2025 Member Growth Opportunity"}),(0,d.jsx)("h1",{children:"You're technology-first. Let's unlock wallet consolidation."}),(0,d.jsx)("div",{className:"sub",children:"Advancial: $2.38B in assets, 141,745 members, technology-enabled culture. Here's what we see: $238 million in member wallet sitting elsewhereâpayroll at external banks, savings scattered, auto/mortgage loans held by competitors. That's not a weakness. It's opportunity. The question: how do you capture it without disrupting your infrastru
1cture?"}),(0,d.jsx)("div",{className:"tagline",children:"2025 Member Profile \xb7 NCUA Insured \xb7 Dallas, Texas"})]})]}),(0,d.jsx)("section",{className:"block",children:(0,d.jsxs)("div",{className:"wrap",children:[(0,d.jsx)("div",{className:"eyebrow reveal",children:"The Case in Brief"}),(0,d.jsx)("h2",{className:"sec reveal",children:"$238M in wallet. Already your members."}),(0,d.jsxs)("p",{className:"sec-sub reveal",style:{maxWidth:"820px",marginBottom:"24px"},children:["Industry deposit growth is 5% YoY. But credit unions executing wallet consolidation are growing 15â20%. The difference:"," ",(0,d.jsx)("strong",{children:"payroll at external banks ($80â100M), savings scattered ($60â80M), lending elsewhere ($90â110M)"}),". That's $238M sitting in member relationships you already own."]}),(0,d.jsxs)("div",{className:"quote reveal",children:["When your teams can see held-away accounts, the conversation changes. \"I see you have $20K in savings at [competitor]. Let's consolidate that.\" That's not a rate pitch. That's member simplification. That's how you grow.",(0,d.jsx)("span",{className:"attr",children:"Based on Q2 2025 NCUA Data & Member Wallet Analysis"})]}),(0,d.jsxs)("div",{className:"callout reveal",children:[(0,d.jsx)("div",{className:"k",children:"The Opportunity"}),(0,d.jsxs)("p",{children:[(0,d.jsx)("strong",{children:"$238M in consolidated deposits"})," from payroll, savings, and lending held by members who already bank with you. No rate competition required. Just visibility and simplicity. Peer CUs of your size: 15â20% annual growth from this strategy."]})]})]})}),(0,d.jsx)("section",{className:"block",id:"standing",style:{background:"#f9fafb"},children:(0,d.jsxs)("div",{className:"wrap",children:[(0,d.jsx)("div",{className:"eyebrow reveal",children:"Where Advancial Stands"}),(0,d.jsx)("h2",{className:"sec reveal",children:"You're growing. Now consolidate wallet to scale."}),(0,d.jsx)("p",{className:"sec-sub reveal",children:"All figures from Q2 2025 NCUA Corporate Call Report data and Advancial member profile analysis."}),(0,d.jsxs)("table",{className:"snap reveal",children:[(0,d.jsx)("thead",{children:(0,d.jsxs)("tr",{children:[(0,d.jsx)("th",{children:"Metric"}),(0,d.jsx)("th",{className:"r",children:"Current"}),(0,d.jsx)("th",{className:"r",children:"Peer Median"}),(0,d.jsx)("th",{className:"read",children:"Opportunity"})]})}),(0,d.jsxs)("tbody",{children:[(0,d.jsxs)("tr",{children:[(0,d.jsxs)("td",{className:"metric",children:["Total Assets",(0,d.jsx)("small",{children:"Q2 2025"})]}),(0,d.jsx)("td",{className:"val",children:"$2,380M"}),(0,d.jsx)("td",{className:"peer",children:"$1.2Bâ$5B"}),(0,d.jsx)("td",{className:"read",children:"Mid-sized regional CU. Scale ideal for wallet consolidation automation."})]}),(0,d.jsxs)("tr",{children:[(0,d.jsxs)("td",{className:"metric",children:["Member Base",(0,d.jsx)("small",{children:"Current"})]}),(0,d.jsx)("td",{className:"val good",children:"141,745"}),(0,d.jsx)("td",{className:"peer",children:"100Kâ200K range"}),(0,d.jsx)("td",{className:"read",children:"Tight, engaged member base. Perfect for primacy-focused campaigns."})]}),(0,d.jsxs)("tr",{children:[(0,d.jsxs)("td",{className:"metric",children:["Deposit Base",(0,d.jsx)("small",{children:"Estimated"})]}),(0,d.jsx)("td",{className:"val",children:"~$1.8B"}),(0,d.jsx)("td",{className:"peer",children:"Healthy"}),(0,d.jsx)("td",{className:"read",children:"Room to grow. $238M wallet opportunity = 13% deposit base expansion."})]}),(0,d.jsxs)("tr",{children:[(0,d.jsxs)("td",{className:"metric",children:["Branch Network",(0,d.jsx)("small",{children:"Physical + Digital"})]}),(0,d.jsx)("td",{className:"val good",children:"16"}),(0,d.jsx)("td",{className:"peer",children:"Regional model"}),(0,d.jsx)("td",{className:"read",children:"Balanced omnichannel model. Member-service teams ready to facilitate consolidation."})]}),(0,d.jsxs)("tr",{children:[(0,d.jsxs)("td",{className:"metric",children:["Technology Culture",(0,d.jsx)("small",{children:"Strategic positioning"})]}),(0,d.jsx)("td",{className:"val good",children:"API-first"}),(0,d.jsx)("td",{className:"peer",children:"Industry-leading"}),(0,d.jsx)("td",{className:"read",children:"Your competitive advantage. Data layer integrates seamlessly with your platform."})]}),(0,d.jsxs)("tr",{children:[(0,d.jsxs)("td",{className:"metric",children:["Industry Deposit Growth",(0,d.jsx)("small",{children:"YoY median"})]}),(0,d.jsx)("td",{className:"val",children:"+5%"}),(0,d.jsx)("td",{className:"peer",children:"2024: -1.2%"}),(0,d.jsx)("td",{className:"read",children:"2025 shows recovery. Consolidation CUs growing 15â20% YoY."})]})]})]}),(0,d.jsxs)("div",{className:"strip reveal",children:[(0,d.jsxs)("div",{className:"it",children:[(0,d.jsx)("div",{className:"n",children:"141.7K"}),(0,d.jsx)("div",{className:"l",children:"Members = concentrated growth opportunity"})]}),(0,d.jsxs)("div",{className:"it",children:[(0,d.jsx)("div",{className:"n",children:"$238M"}),(0,d.jsx)("div",{className:"l",children:"Wallet consolidation opportunity identified"})]}),(0,d.jsxs)("div",{className:"it",children:[(0,d.jsx)("div",{className:"n",children:"13%"}),(0,d.jsx)("div",{className:"l",children:"Potential deposit base expansion"})]})]}),(0,d.jsxs)("div",{className:"callout reveal",children:[(0,d.jsx)("div",{className:"k",children:"Why Now? Market Positioning & Competitive Timing"}),(0,d.jsx)("p",{children:"Credit unions deploying wallet consolidation and direct deposit switching in 2025 are capturing growth at an optimal moment. Industry recovery is underway (deposits up 5% YoY), competitive rate pressure is moderating, and technology-first credit unions like Advancial have an edge: your members already manage money through your app. Member-to-competitor switching friction is high for payroll (it requires coordinating with employers). But when a member sees \"Move payroll here with one tap,\" adoption accelerates. Your technology culture means you can execute this in weeks, not months. Meanwhile, competitors without data visibility are still having generic rate conversations. You have an opportunity to own the \"primary relationship\" position in member wallets for the next 18 months before the market commoditizes."})]})]})}),(0,d.jsx)("section",{className:"block",id:"strategy",children:(0,d.jsxs)("div",{className:"wrap",children:[(0,d.jsx)("div",{className:"eyebrow reveal",children:"The Solution: Account Aggregation + Customer Analytics"}),(0,d.jsx)("h2",{className:"sec reveal",children:"See wallet. Enable consolidation. Grow deposits."}),(0,d.jsx)("p",{className:"sec-sub reveal",style:{maxWidth:"820px",marginBottom:"24px"},children:"ÌÇÐÄ´«Ã½'s full platform sits as a data layer on top of your existing infrastru
1cture. It gives your members and your teams visibility into the complete financial pictureâwhere payroll lands, which external accounts they hold, where refinancing opportunities exist. It's a transparent upgrade, not a replacement."}),(0,d.jsxs)("div",{className:"flowsrc reveal",children:[(0,d.jsxs)("div",{className:"fsrc",children:[(0,d.jsx)("b",{children:"Advancial's data"}),(0,d.jsx)("span",{children:"Checking, savings, loans, member relationships you already own"})]}),(0,d.jsxs)("div",{className:"fsrc",children:[(0,d.jsx)("b",{children:"Connected wallets"}),(0,d.jsx)("span",{children:"External payroll, auto loans, mortgages, savings elsewhere"})]})]}),(0,d.jsx)("div",{className:"fdown reveal",children:"â¼"}),(0,d.jsxs)("div",{className:"layer reveal",children:[(0,d.jsx)("div",{className:"t",children:"The ÌÇÐÄ´«Ã½ Data Layer"}),(0,d.jsx)("div",{className:"d",children:"Real-time aggregation across 13,000+ financial institutions. Your teams see where each member's paycheck lands, which external loans they hold, deposit and savings patterns. Transaction-level detail with intelligent categorization. Payroll detection. Spending patterns. One integrated view of member wallets."})]}),(0,d.jsx)("div",{className:"fdown reveal",children:"â¼"}),(0,d.jsxs)("div",{className:"engines",children:[(0,d.jsxs)("div",{className:"eng lead reveal",children:[(0,d.jsx)("div",{className:"num",children:"01 \xb7 DIRECT DEPOSIT"}),(0,d.jsx)("div",{className:"h",children:"Capture payroll consolidation"}),(0,d.jsx)("div",{className:"b",children:"Identify members whose paycheck lands at external banks. Highlight \"move payroll here\" in your app or during branch conversations. Payroll accounts become operating accountsâdaily activity, high stickiness."}),(0,d.jsx)("div",{className:"o",children:"Global CU: 40x payroll captures in 72 hours"})]}),(0,d.jsxs)("div",{className:"eng reveal",children:[(0,d.jsx)("div",{className:"num",children:"02 \xb7 WALLET VIEW"}),(0,d.jsx)("div",{className:"h",children:"See the complete picture"}),(0,d.jsx)("div",{className:"b",children:"Your member-service teams see in real-time: which members have $X in savings elsewhere, auto loans, mortgages external. Drive contextual conversations. \"We can consolidate that auto loan to Advancial and save you money.\""}),(0,d.jsx)("div",{className:"o",children:"50%+ close rate on identified opportunities"})]}),(0,d.jsxs)("div",{className:"eng reveal",children:[(0,d.jsx)("div",{className:"num",children:"03 \xb7 MEMBER INSIGHTS"}),(0,d.jsx)("div",{className:"h",children:"Strengthen relationships"}),(0,d.jsx)("div",{className:"b",children:"PFM + insights show members their spending, savings potential, financial goals. Advancial becomes the app they check most. The primary hub. Higher engagement = lower attrition."}),(0,d.jsx)("div",{className:"o",children:"2x stronger member financial health"})]}),(0,d.jsxs)("div",{className:"eng reveal",children:[(0,d.jsx)("div",{className:"num",children:"04 \xb7 LENDING GROWTH"}),(0,d.jsx)("div",{className:"h",children:"Refinancing and new lending"}),(0,d.jsx)("div",{className:"b",children:"When a member connects an external auto loan or mortgage, that's refinancing intent. Your loan teams capture it immediately. Convert borrowed-from-competitor to borrowed-from-Advancial faster."}),(0,d.jsx)("div",{className:"o",children:"3x more likely to hold Advancial loan"})]})]}),(0,d.jsx)("div",{className:"fdown reveal",style:{marginTop:"26px"},children:"â¼"}),(0,d.jsxs)("div",{className:"conv reveal",children:[(0,d.jsx)("div",{style:{fontSize:"16px",fontWeight:700,color:"var(--ink)"},children:"Member Primacy"}),(0,d.jsx)("div",{style:{marginTop:"6px"},children:"Advancial becomes the institution where payroll lands, where savings live, where loans are held. Members spend more time in your app. Switching costs rise. Lifetime value increases."})]}),(0,d.jsx)("div",{className:"fdown reveal",children:"â¼"}),(0,d.jsxs)("div",{className:"grow3 reveal",children:[(0,d.jsxs)("div",{className:"g3",children:[(0,d.jsx)("div",{className:"gl",children:"OUTCOME \xb7 01"}),(0,d.jsx)("div",{className:"gh",children:"Deposit Growth"}),(0,d.jsx)("div",{className:"gb",children:"Payroll and savings consolidation drive $238M in new deposits over 12â18 months. When payroll lands at Advancial, checking account becomes sticky. Member engagement increases. Lower funding costs from primacy."})]}),(0,d.jsxs)("div",{className:"g3",children:[(0,d.jsx)("div",{className:"gl",children:"OUTCOME \xb7 02"}),(0,d.jsx)("div",{className:"gh",children:"Member Deepening"}),(0,d.jsx)("div",{className:"gb",children:"Wallet consolidation strengthens relationships. Payroll + savings + checking primacy = member stickiness. Cross-sell improves (mortgages, auto refinancing). Reduces member churn in competitive market."})]}),(0,d.jsxs)("div",{className:"g3",children:[(0,d.jsx)("div",{className:"gl",children:"OUTCOME \xb7 03"}),(0,d.jsx)("div",{className:"gh",children:"Lending Growth"}),(0,d.jsx)("div",{className:"gb",children:"Deposits fund disciplined lending growth. Your consumer teams execute faster on auto and mortgage apps. Primacy unlocks cross-sell: personal loans, HELOC, investment products."})]})]}),(0,d.jsxs)("p",{className:"conv reveal",style:{marginTop:"26px",fontSize:"15px"},children:["At Advancial, ",(0,d.jsx)("b",{children:"wallet consolidation leads"}),". One data layer supports deposit growth, lending acceleration, and member relationship deepening. Capture payroll, fund disciplined lending, and own the primary relationship."]})]})}),(0,d.jsx)("section",{className:"block",id:"applied",style:{background:"#f9fafb"},children:(0,d.jsxs)("div",{className:"wrap",children:[(0,d.jsx)("div",{className:"eyebrow reveal",children:"Solution Applied to Advancial"}),(0,d.jsx)("h2",{className:"sec reveal",children:"Three levers from your member data."}),(0,d.jsxs)("div",{className:"leg reveal",children:[(0,d.jsx)("div",{className:"legnum",children:"01"}),(0,d.jsxs)("div",{className:"legbody",children:[(0,d.jsxs)("div",{className:"legh",children:["Direct Deposit Consolidation"," ",(0,d.jsx)("span",{className:"legtag",children:"Leads"})]}),(0,d.jsxs)("p",{className:"legp",children:[(0,d.jsx)("b",{children:"The numbers:"})," Advancial member base:"," ",(0,d.jsx)("b",{children:"141,745"}),". Estimated deposits: ",(0,d.jsx)("b",{children:"~$1.8B"}),". Payroll consolidation opportunity: ",(0,d.jsx)("b",{children:"$80â100M"})," currently landing at external institutions. At 30% conversion rate, that's $24â30M in Year 1 inflow."]}),(0,d.jsxs)("p",{className:"legp",children:[(0,d.jsx)("b",{children:"What Account Aggregation + Insights does:"})," ","Identifies members whose paycheck lands at competitors. Your app surfaces a prompt: \"We see your paycheck goes to [Bank]. Move it to Advancial, get instant access, and enjoy member-exclusive benef
1its.\" Or in a branch conversation: \"Let me simplify your banking. Your paycheck goes here, but I can make it happen at Advancialâtoday.\" Checking account becomes the hub. That's member primacy."]}),(0,d.jsxs)("div",{className:"legproof",children:[(0,d.jsx)("b",{children:"Peer results:"})," Global Credit Union: 40x payroll capture acceleration in first 72 hours. 750K+ members. CLV increased 9x over 30 days. Members stayed longer and engaged more after payroll consolidation."]})]})]}),(0,d.jsxs)("div",{className:"leg reveal",children:[(0,d.jsx)("div",{className:"legnum",children:"02"}),(0,d.jsxs)("div",{className:"legbody",children:[(0,d.jsx)("div",{className:"legh",children:"Savings and Account Consolidation"}),(0,d.jsxs)("p",{className:"legp",children:[(0,d.jsx)("b",{children:"The numbers:"})," Savings and investment consolidation opportunity: ",(0,d.jsx)("b",{children:"$60â80M"}),". These members already trust Advancial for checking. Moving savings to Advancial improves deposit mix and member lifetime value."]}),(0,d.jsxs)("p",{className:"legp",children:[(0,d.jsx)("b",{children:"What Account Aggregation + Insights does:"})," Your member-service teams see in real-time which members have savings at external banks. During a loan conversation or routine branch visit: \"I noticed you have $15K in savings at [competitor]. We can move that over and improve your rates hereâplus consolidate everything into one place.\" This is member-first conversation, not sales pitch."]}),(0,d.jsxs)("div",{className:"legproof",children:[(0,d.jsx)("b",{children:"Peer results:"})," Regional CUs deploying wallet insights report ",(0,d.jsx)("b",{children:"15â20% YoY deposit growth"})," from consolidation. Teller and loan officer close rates on consolidation targets reach ",(0,d.jsx)("b",{children:"50%+"})," when armed with held-away account data."]})]})]}),(0,d.jsxs)("div",{className:"leg reveal",children:[(0,d.jsx)("div",{className:"legnum",children:"03"}),(0,d.jsxs)("div",{className:"legbody",children:[(0,d.jsx)("div",{className:"legh",children:"Consumer Lending Acceleration"}),(0,d.jsxs)("p",{className:"legp",children:[(0,d.jsx)("b",{children:"The numbers:"})," Auto and mortgage refinancing opportunity: ",(0,d.jsx)("b",{children:"$90â110M"}),". 141,745 members, many with external auto loans or mortgages held by competitors."]}),(0,d.jsxs)("p",{className:"legp",children:[(0,d.jsx)("b",{children:"What Account Aggregation + Insights does:"})," When a member connects an external auto loan or mortgage in your app, your teams are notified immediately. Refinancing intent is visible in real-time. Your consumer lending teams follow up with pre-qualified offers within 48 hours. Conversion improves dramatically when you move fast and data-backed."]}),(0,d.jsxs)("div",{className:"legproof",children:[(0,d.jsx)("b",{children:"Peer results:"})," CUs with wallet visibility see retail loan applications increase ",(0,d.jsx)("b",{children:"25%"}),". Members with identified external auto loans are"," ",(0,d.jsx)("b",{children:"3x more likely"})," to refinance at primary institution. Mortgage members with wallet insight"," ",(0,d.jsx)("b",{children:"2x more likely"})," to refinance when rates favor it."]})]})]})]})}),(0,d.jsx)("section",{className:"block",style:{background:"#f9fafb"},children:(0,d.jsxs)("div",{className:"wrap",children:[(0,d.jsx)("div",{className:"eyebrow reveal",children:"Peer Credit Union Results"}),(0,d.jsx)("h2",{className:"sec reveal",children:"Real results. Proven playbook. Your scale."}),(0,d.jsx)("p",{className:"sec-sub reveal",style:{maxWidth:"820px",marginBottom:"32px"},children:"Credit unions like yours have deployed wallet consolidation and direct deposit switching. Similar member bases. Similar deposit dynamics. Similar primacy challenges. Here is what analytics and insights delivered."}),(0,d.jsxs)("div",{className:"cases reveal",children:[(0,d.jsxs)("div",{className:"case",children:[(0,d.jsx)("span",{className:"tag2 blue",children:"Direct Deposit Acceleration"}),(0,d.jsx)("div",{className:"fig",children:"40x"}),(0,d.jsx)("div",{className:"who",children:"Global Credit Union"}),(0,d.jsx)("div",{className:"sz",children:"750K+ members \xb7 Payroll consolidation focus"}),(0,d.jsx)("div",{className:"body",children:"Payroll capture acceleration surge in first 72 hours. Customer Lifetime Value increased 9x in 30 days. Members stayed longer and engaged more frequently. Primacy-driven consolidation at scale without rate pressure."}),(0,d.jsx)("div",{className:"rel",children:"ÌÇÐÄ´«Ã½ Case Study"})]}),(0,d.jsxs)("div",{className:"case",children:[(0,d.jsx)("span",{className:"tag2 teal",children:"Wallet Consolidation Growth"}),(0,d.jsx)("div",{className:"fig",children:"15â20%"}),(0,d.jsx)("div",{className:"who",children:"Regional Credit Union Portfolio"}),(0,d.jsx)("div",{className:"sz",children:"$500Mâ$5B assets \xb7 Consolidation-focused"}),(0,d.jsx)("div",{className:"body",children:"Annual recurring deposit growth from targeted member consolidation campaigns. 11% response rates (vs 1% typical outreach). Data-backed messaging on held-away accounts drives primacy and member lifetime value improvements."}),(0,d.jsx)("div",{className:"rel",children:"Peer Analysis"})]})]}),(0,d.jsxs)("div",{className:"callout reveal",children:[(0,d.jsx)("div",{className:"k",children:"Why These Results Apply to Advancial"}),(0,d.jsx)("p",{children:"Global Credit Union serves 750,000 members across a broad regional footprint. That's 5x your size, but the constraint is identical: members banked in multiple places, payroll elsewhere, lending opportunity fragmented. They deployed payroll capture and primacy-driven consolidation. Result: 40x payroll surge in 72 hours. The broader CU portfolio shows consistent 15â20% annual deposit growth from consolidation strategies. Neither required rip-and-replace. They layered wallet insights on top of existing platforms, exactly what you'd do with Advancial's technology infrastru
1cture. Your advantage: tighter member base means higher consolidation rates and stronger relationship stickiness."})]})]})}),(0,d.jsx)("section",{className:"block",id:"roi",children:(0,d.jsxs)("div",{className:"wrap",children:[(0,d.jsx)("div",{className:"eyebrow reveal",children:"Year 1 Impact Potential"}),(0,d.jsx)("h2",{className:"sec reveal",children:"Conservative math. Member-first approach."}),(0,d.jsx)("p",{className:"sec-sub reveal",style:{maxWidth:"820px"},children:"Estimates based on peer deployments at credit unions of comparable size and member dynamics. Conservative assumptions throughout."}),(0,d.jsxs)("div",{className:"reveal",style:{background:"var(--hero)",color:"#fff",borderRadius:"18px",padding:"38px 42px",margin:"32px 0",textAlign:"center"},children:[(0,d.jsx)("div",{style:{fontSize:"12px",fontWeight:700,letterSpacing:".14em",textTransform:"uppercase",color:"var(--cyan)",marginBottom:"12px"},children:"Annual Deposit & Funding Impact"}),(0,d.jsx)("div",{style:{fontSize:"52px",fontWeight:800,lineHeight:1,background:"var(--grad)",WebkitBackgroundClip:"text",backgroundClip:"text",WebkitTextFillColor:"transparent",marginBottom:"8px"},children:"$24â35M"}),(0,d.jsx)("div",{style:{fontSize:"16px",color:"rgba(255,255,255,0.8)"},children:"Year 1 new deposits from direct deposit consolidation ($24â30M) plus savings and lending consolidation ($4â8M). Plus improving funding mix from payroll (noninterest-bearing), strengthening member primacy, and enabling disciplined consumer lending growth without funding pressure."})]}),(0,d.jsx)("p",{className:"sec-sub reveal",style:{maxWidth:"820px",margin:"24px 0"},children:"And that's just new deposits. Layer in auto and mortgage lending from members consolidating external loans, higher cross-sell from improved primacy, and reduced member attrition. All from one data layer. One upgrade. Multiple growth engines."}),(0,d.jsxs)("div",{className:"callout reveal",children:[(0,d.jsx)("div",{className:"k",children:"Why This Aligns with Advancial's Positioning"}),(0,d.jsx)("p",{children:"You're not lacking growth capacityâyour team is executing well on lending and member service. What you're navigating is a funding efficiency puzzle: how to match deposit growth to lending growth, capture wallet from members already in your system, and deepen relationships without disrupting the technology culture you've built. You have strong fundamentals, engaged members, and 141,745 relationships you already own. Account Aggregation + Insights is built for exactly this: helping you deepen relationships you already have, capture held-away deposits, and do it without rip-and-replace. It layers on top of what you've invested in."})]})]})}),(0,d.jsx)("section",{className:"ctaband",id:"next",children:(0,d.jsxs)("div",{className:"wrap inner",children:[(0,d.jsx)("h2",{children:"Let's explore the consolidation opportunity."}),(0,d.jsx)("p",{className:"lede",children:"Your 2025 performance shows strong fundamentals: $2.38B in assets, 141,745 engaged members, 16 branches, and a technology-first culture that's increasingly rare in credit unions. You're executing well. The question we'd like to explore together is how to accelerate wallet consolidation: capturing the $238M in payroll, savings, and lending deposits that your members are currently splitting across competitors. How to use data visibility to drive member primacy. How to enable your teams with intelligence that turns member conversations from generic rate discussion into \"let me simplify your banking\" consolidation moments."}),(0,d.jsx)(j.Z,{children:(0,d.jsx)("p",{children:"I'd like to walk your team through how wallet aggregation and direct deposit switching work at peer credit unions your size, show you the specific consolidation opportunity we see in your member base, and discuss implementation, integration, and timeline."})})]})}),(0,d.jsx)("footer",{className:"pg",children:(0,d.jsx)("div",{className:"wrap",children:(0,d.jsxs)("div",{className:"disc",children:[(0,d.jsxs)("p",{children:[(0,d.jsx)("strong",{children:"Disclaimer:"})," All Advancial FCU metrics sourced from Q2 2025 NCUA Corporate Call Report data and member profile analysis. Advancial $2.38B in assets, 141,745 members, 16 branches, Dallas TX headquarters. Deposit base estimated at ~$1.8B based on typical CU ratios at this asset size. Direct deposit consolidation opportunity of $80â100M, savings consolidation of $60â80M, and lending consolidation of $90â110M are conservative estimates based on wallet analysis of existing member base and peer benchmarking. These represent addressable opportunities, not forecasts. Industry deposit growth data from Q2 2025 NCUA quarterly summary (5% YoY peer median growth;
1 2024 median was -1.2% showing recovery trajectory). Results marked \"peer results\" are from ÌÇÐÄ´«Ã½ case studies and customer deployments; Global Credit Union figures come from ÌÇÐÄ´«Ã½ Direct Deposit case study. Regional CU portfolio figures represent aggregated results from similar-sized deployments. Results are not guarantees of Advancial's specific outcomes and will vary based on execution, member communication, and market conditions."]}),(0,d.jsx)("p",{children:"For questions about methodology, data sources, peer references, or deployment timelines, contact ÌÇÐÄ´«Ã½ Technologies sales."}),(0,d.jsx)("p",{children:"\xa9 ÌÇÐÄ´«Ã½ Technologies, Inc."})]})})})]}),(0,d.jsx)(g.Z,{})]})}}},function(a){a.O(0,[7080,19899,85089,49774,92888,40179],function(){return a(a.s=70512)}),_N_E=a.O()}])
Line numbers count LF bytes from the start of the resource, as the search results do. Vendor segments are library code the classifier recognised; they are stored but not indexed. Bytes are shown as Latin1 characters, one per byte.