AI ASSISTANTS
An assistant for every moment a member needs one.
From the first application to long after funding, Clutch runs a connected set of AI assistants across the member relationship — each one built for a single moment, handing off cleanly to the next so no member falls through the cracks.
Fintech muscle. Credit union heart.
HOW IT WORKS
Three jobs, running continuously.
Every assistant on this page shares the same core loop, tuned to a different moment in the relationship.
Sense
Reads what’s actually happening — a stalled form, a missed payment, a quiet account — the moment it happens.
Decide
Weighs the member’s situation against what’s actually available and picks the one action worth taking next.
Act
Reaches out directly — by phone, text, or in-app — in your credit union’s voice, without waiting on a human queue.
The Member Journey
Seven moments. Always the right one next.
Seven distinct assistants, one continuous relationship — built to hand off cleanly from one moment to the next.
1-GROWTH
Never lose an application to a bad moment.
Notices the drop-off and reaches back out with a timely nudge — and takes a full loan or account application by phone, any hour.
Personalized nudges on abandoned applications
24/7 phone-based application intake
Omnichannel remarketing
2-ORIGINATION
From submitted to funded, without the guesswork
Applicants get clear, real-time status and next steps the whole way through — so the loan keeps moving instead of stalling on a missing document or an unanswered question.
Collects required documents
Delivers live application status updates
Answers applicant questions instantly
91.5%
Improvement to look-to-book
25%
Reduction in time-to-fund
80%
Docs collected automatically
2-ORIGINATION
3-ACTIVATE
A funded account isn't a relationship yet
Switches a new account on — including a warm welcome for members who arrived through an indirect lender.
Guides direct deposit setup
Onboards online & mobile banking
Welcomes indirect-lending members
4-PROTECT
The right coverage, offered at the right moment
Recommends suitable protection products, explains coverage in plain language, and enrolls when it fits.
Payment protection, GAP, mechanical coverage
Plain-language coverage explainers
On-the-spot enrollment
5-SERVICING
Catch hardship before it becomes delinquency
Notices financial stress early, opens the
conversation with empathy, and works out a plan.
Spots hardship signals early
Reaches out with empathy, not a script
Builds a workable repayment plan
6-COLLECTIONS
Recovery that's compassionate and fully compliant
When a plan still falls behind, outreach gets prioritized by who's most reachable — negotiating workable terms and logging every promise to pay automatically.
Prioritizes outreach by likelihood to resolve
Negotiates workable repayment terms
Logs every promise to pay
34%
Reduction in forward roll-rate
100M+
Balance cured
<1%
Calls escalated for AI resistance
6-COLLECTIONS
7-RE-ENGAGE
Win members back before they're gone for good
Catches dormancy early, re-activates deposit and loan relationships, and loops won-back members back into the journey.