The next generation of members
Win your next generation of members.
Gen Z is choosing the financial relationships that will shape their financial lives for years to come.
Mivva gives your credit union a reason to earn that relationship early by helping students and families navigate one of their first major financial decisions: college.
Mivva enters here
College
Career
Credit
Auto
Home
Wealth
Mivva supports the college planning stage. Deposits, credit, auto, home and wealth products remain your credit union’s.
Why now
The next generation isn’t waiting.
Young adults are already choosing where they bank, how they borrow and which financial institutions they trust. Waiting until they need a loan or another financial product means entering the relationship after those preferences have already begun to form.
The opportunity is to become relevant before the product search begins.
You don’t have a Gen Z marketing problem. You have a reason-to-engage problem.
Young consumers see thousands of marketing messages.
Another checking promotion, social campaign or financial education article gives them little reason to establish a meaningful financial relationship.
But college is different.
For millions of young adults, it is one of their first major financial decisions.
They are trying to understand
- What will college actually cost?
- What can my family afford?
- How much financial aid will I receive?
- Where is my funding gap?
- What should I do next?
Instead of marketing at them, your credit union can help them solve something that matters.
Don’t just advertise to the next generation. Be useful to them.
The entry point
Start the relationship before the loan application.
Most financial institutions begin competing for a young consumer after a financial need becomes a product search.
Mivva moves the relationship earlier.
By helping students and families during college planning, your credit union can become part of the decision-making process before financing is selected.
That creates an opportunity to build trust before the transaction.
Mivva enters here
Planning
Comparing
Deciding
Traditional lending enters here
Funding
College
Career
Meet Mivva
A reason for the next generation to engage with your credit union.
Mivva helps students and families understand the financial side of college through an intelligent, personalized planning experience.
Students can explore costs, understand funding gaps, evaluate options and receive guidance on what to do next. The credit union becomes part of that experience.
01
Understand the Real Cost
Help students see beyond tuition and understand their actual college financial picture.
02
Identify the Funding Gap
Bring scholarships, aid, family resources and remaining need into one understandable view.
03
Know What to Do Next
Give students personalized guidance rather than another collection of calculators and articles.
04
Connect With Your Credit Union
Create a natural path between financial guidance and the institution that can help support the member's journey.
Beyond college
College is the beginning of the relationship, not the end.
A student making college decisions today will soon make decisions about income, credit, transportation, housing, saving and investing.
The opportunity for the credit union is not simply to originate a student loan. It is to establish the relationship early enough to be relevant for what comes next.
18–22
College
21–24
Career & Deposits
22–26
Credit
23–30
Auto
27+
Home
30+
Wealth & Family
Your credit union already has the financial products. Mivva helps create the relationship earlier.
From acquisition to understanding
Know more than what your member bought. Understand what they’re trying to accomplish.
Traditional financial personalization starts with what a member has already done: transactions, balances, products and clicks.
Mivva starts with something different. By helping a student solve a real financial problem, Mivva can develop a richer understanding of goals, circumstances, decisions and needs. That creates the foundation for an evolving Member Twin.
When the relationship starts earlier, your understanding of the member can start earlier too.
Traditional personalization
- Transactions
- Segments
- Predicted offer
Mivva member intelligence
Member Twin
What does this member need next?
Traditional personalization tries to predict what a member might buy. Mivva begins by understanding what the member is trying to accomplish.
The Member Twin is designed to evolve as the relationship evolves, creating the foundation for increasingly relevant guidance and next-best actions.
Why it matters
Turn a moment of need into a relationship with lifetime potential.
Acquire Earlier
Reach prospective members while their primary financial relationships are still forming.
Create Meaningful Engagement
Give Gen Z a reason to interact with your credit union beyond advertising, promotions and product offers.
Understand Your Future Members
Gain insight into what younger members are trying to accomplish, not simply the products they currently hold.
Grow Beyond College
The relationship can extend naturally from college into deposits, credit, auto, homeownership and the financial decisions that follow.
Differentiate Your Credit Union
Compete through guidance, trust and usefulness rather than trying to outspend national financial institutions for Gen Z attention.
Simple for your credit union. Useful from day one.
- 01
Bring Mivva to Your Community
Your credit union receives a branded presence and a simple way to invite students and families.
- 02
Mivva Helps Them Navigate College
Students use Mivva to understand costs, funding gaps, choices and next steps.
- 03
Your Credit Union Builds the Relationship
The CU gains an earlier opportunity to establish trust, understand emerging needs and remain relevant as the student's financial life evolves.
For small credit unions
Every credit union should have a chance to win the next generation.
Smaller community credit unions often serve the families who can benefit most from better college financial guidance, yet have the fewest resources to build new digital experiences.
The Mivva Community Program gives eligible credit unions under $100 million in assets access to Mivva at no cost.
- Branded credit union presence
- Student and member signup path
- Aggregate visibility into participating students and funding needs
- No platform cost for eligible participating credit unions
The best time to win a future member is before someone else does.
Mivva helps your credit union become useful during one of the first major financial decisions of adulthood and creates the foundation for a relationship that can grow from there.
See Mivva