Your App, Reimagined: What the Future Holds for cuMobile
Why Mobile Matters More Than Ever
Paul kicked off the session by framing the opportunity: member expectations are changing fast, and mobile-first engagement is no longer a nice-to-have, it’s the standard.
- 75% of people say a good mobile app is a top factor in choosing their banking provider (FICO)
- 73% of UK and 74% of Irish banking customers now manage finances primarily through mobile (Statista)
- Over 750 million contactless mobile wallet transactions were made in Ireland in 2024 (BPFI)
- Nearly 80% of Gen Z and Millennials are opening digital-only accounts, citing convenience and app experience as top drivers (Finder)
With this backdrop, it’s clear that delivering a seamless mobile experience is key to staying relevant and competitive.
Data-Backed Progress So Far
The stats behind Wellington IT’s existing app, cuMobile, show incredible growth:
- 16.5 million logins over the past year up 19% YoY, and up 2,348% over the last five years
- Over €1.5 billion processed via more than 3 million digital transactions in 12 months
- 80,000+ digital loan applications submitted, valued at €586 million both up significantly year-on-year
Thursday at 10am is peak usage. Even 3am sees surprising engagement, 86,000 logins over the year!
What’s New? A Sneak Peek at the Reimagined App
The new app has been designed around real usage data and feedback. With a refined interface and smarter foundations, it’s built to deliver more control, faster updates, and tailored experiences for members and Credit Unions alike.
Feature Flags
Think of these like light switches behind the scenes. They allow Wellington IT to toggle features on or off for specific Credit Unions, member groups, or testing environments. Enabling faster, safer rollouts aligned to each organisation’s strategy.
Data-Driven Design
Rather than assuming what members want, Wellington IT is using behavioral data to understand how people actually use the app. This insight drives improvements that solve real problems and enhance real journeys, not just what looks good on paper.
A Product-Led Approach
At the heart of the development strategy is a product-led methodology. This means:
- Exploring the right problems to solve
- Learning from actual users and live data
- Delivering tangible solutions
- Iterating constantly to improve
Wellington IT is backing this approach with investment in talent, continuous improvement, and renewed collaboration.
Final Thoughts
The reimagined mobile app is not just an update — it’s a shift in philosophy. One that places members at the center, gives credit unions flexibility and control, and embraces a cycle of ongoing innovation.
As Paul closed the session: Attract the next generation; secure the future.