The NCUA reports that 64% of new credit union members show zero activity beyond opening their account. That's not a growth problem — it's an activation problem. And in this episode, we get into exactly how to fix it.

Joining host Joshua Barclay are Matt Fehrmann, CIO of Kohler Credit Union, and Har Rai Khalsa, CEO and co-founder of Swaystack. Together, they bring real-world experience and concrete solutions to some of the most stubborn challenges in member engagement.

In this episode:

Why email isn't dead — and when to stop using it
What it actually takes to activate a new member before they go dormant
How Kohler Credit Union drove 40% of digital banking enrollments through guided onboarding workflows
The truth about indirect lending: fewer than 1 in 20 indirect borrowers ever deepen the relationship — and how to change that
How Kohler navigated a merger with Shipbuilders Credit Union, onboarding 5,500 members over a single weekend with zero open issues by Tuesday
Why tracking account opens without tracking account utilization is leaving millions on the table

Banking on Experience is sponsored by BusinessNext — the CRM built for credit unions and banks.

Want to see it in action? Watch a demo here.