Filene's FiLab Picks Seven Solutions for 2027 Credit Union Testing

How the seven tests were chosen

The selections were made by representatives from nearly 40 credit unions and system partners at the FiLab Symposium in Kansas City, held August 25 to 27. According to Filene, the chosen solutions address credit union priorities including scam prevention, multicultural service, investing, compliance and business-member growth.

Participating credit unions will test the solutions together, sharing the results and building evidence to guide decisions across the credit union system. McKaye Black, Filene's Head of Incubation, said: "This year's selection was the most challenging yet, and the seven tests credit unions chose from more than 120 applicants reflect where they're most excited for new technology to make a difference for their members, staff, and communities in 2027."

The 2027 FiLab tests

Filene describes the seven tests as follows:

• Crux Analytics: uses AI-assisted research and proprietary analytics to identify, engage and retain high-potential business members, helping commercial teams focus outreach and grow business-member relationships.
• Eko with AI, powered by Kiro: lets credit unions offer digital investing without building new infrastructure or adding staff. Its Kiro AI assistant provides portfolio insights, financial education and personalized support.
• Falkin: credit union-branded scam prevention tools let members check suspicious messages, payments and investments before money moves, with 24/7 support to identify potential scams.
• KeySavvy: supports private-party auto lending by managing seller verification, payment processing, title transfer, lien payoff and DMV registration for vehicle purchases financed by credit unions.
• Themis: centralizes compliance and risk workflows, including vendor risk, audits, complaints, marketing review, policies and regulatory obligations, aiming to reduce manual work and improve visibility into outstanding risk.
• Traduality: its Fire Lingo platform helps credit unions serve non-English-speaking members across branches, contact centers, financial education and community outreach while supporting multilingual communications.
• Discovery: Financial Well-Being Response System: credit unions will work with behavioral science and technology experts to explore how to identify emerging financial stress and deliver timely support.

A different kind of test: the Discovery track

The seventh item differs from the six vendor products. In the Discovery track, credit unions will examine how to spot emerging financial stress and respond in time. According to Filene, a synthetic-data sandbox and consumer research will help evaluate signals, interventions and what members find helpful.

What it means for credit unions

The 2027 cycle follows 2026, when more than 250 employees from 27 organizations took part across seven tests. Filene says results and lessons from those tests will be shared in the coming weeks.

For credit unions, the shared format means findings come from joint testing rather than individual pilots, which is the evidence-building approach Filene describes. Filene Research Institute calls itself an independent cooperative finance think tank, and says its incubators exist to test and scale solutions that improve consumer financial well-being.