Established in 1937, MSU Federal Credit Union (MSUFCU) has been serving Michigan State University and the greater Lansing area for over 84 years. With over 20 branch locations statewide, 331,000 members, and managing nearly $7 billion in assets, MSUFCU strives to help its local communities thrive and achieve financial freedom.

To encourage community engagement and outreach, MSUFCU partners with local businesses by offering discounts and rewards to MSUFCU members through a program known as Local Loyalty.

The benefits are mutual for both members and businesses; MSUFCU members have access to rewards and discounts – keeping their MSUFCU cards top-of-wallet, while local businesses gain free exposure and generate more business.

Our Digital Transformation of Member Data mobile application enhances these benefits by increasing awareness of the Local Loyalty program and providing members with a more robust member-to-member fund transfer experience.

Our application analyzes a user’s transaction history and suggests partner companies that provide similar services to businesses where members are already shopping.

For example, if a member goes to an out-of-network coffee shop regularly, our application sends a notification suggesting a locally-partnered coffee shop offering a similar service at a discount if they use their MSUFCU card.

MSUFCU members can also use our improved fund transfer system, which now includes usernames, QR code scanning for physical device readers, and NFC tap-to-pay functionality.

Our application is available on Android and iOS devices. It is built on the Flutter SDK, using the Dart programming language to deploy on both platforms. It connects to a remotely hosted MySQL server whose data is analyzed with Python.