The Next Generation of Digital
Services for Credit Unions

We believe that members should have a great experience with your credit union whether they are on-site with you, or somewhere more exotic... Apollo Infinity provides seamless delivery of your services to your members, wherever they may be.

Apollo Mobile App

All of your services available within an app customised to the needs of your credit union and members. Our apps are for everyone, for all age groups, and designed with accessibility support for visually impaired or deaf members. The apps are written natively for iPhone and Android, and can be searched in the App Store and Google Play. Native apps are seen by users as ‘real apps’, unlike any non-native alternatives, which resort to mobile websites instead.

Apollo Infinity Showcase App

If you're interested in the mobile app, why not try the free version in a sandbox?


Our automatic promotion system can identify when a member becomes eligible for loans or whether it's time for them to review their personal information and take proactive measures.

Live Balance Enquiries

20% of a members savings account balance pledged against their loan
Must have a minimum account balance of £1
Must retain 60 days worth of loan payments in their savings

Do you have rules such as a member needing to keep 60 days worth of loan repayments in their share account? No problem! Apollo Infinity is customised specifically for your credit union, taking into consideration all of your policy and procedures.


Member access to their transaction history, including pending transactions and an explanation next to each entry.

Chat and Helpdesk

A lifesaver for any hard of hearing or deaf members, it lets your members interact with you securely without picking up the phone or waiting for emails. Efficient also for the credit union, as the system means that you can help multiple people at the same time rather than individually.

Account Analysis

Our automatic analysis may be used to identify trends with members and promote your services to suit. Imagine the possibilities in knowing with a members consent, what they are going to buy.

How many of your members are saving for a big purchase? Opportunities include helping them earlier with responsible purchases by promoting a loan so they can buy it now and pay the remainder off later.

How many of your members have a typical monthly financial pattern by which they save, spend, borrow, pay off? Help recognise and avoid destructive monthly cycles or spirals by offering a consolidation loan.

If you have a debit card attached to the account you may be able to identify further spending such as a big purchase and offer to let them pay it off over a period of time.

Digital Forms

Modern credit unions should be able to operate around the clock, even if you don't have a customer service team staffed 24/7. Our digital forms allow your members complete access to their account, where they can update their details and you can have the change request waiting for you automatically as soon as you re-open.

Loan Portal

If you have more than a single loan and savings account available, it's important for members to be able to understand their eligibility. The loan portal cuts through the complexity of eligibility requirements with a simple, easy to use portal showing what products are available and explaining why.

We develop this as a bespoke service to each credit union so any complex rules in your loan policy are accommodated.

Scheduled Payments

Show members payment due dates and amounts. By linking scheduled payments with the partner portal, employer deductions can be seen changing in real time.

Apollo Web

All of the functionality available within the Apollo Mobile App can easily be embedded into your existing website to give members choice and flexibility in how they engage with your services. Apollo Web is included in all Apollo Infinity packages.


To enable capturing of pay data in a secure fashion, the employer partner portal lets you set up schedules that will be used to remind your employer partners to upload their payroll data for verification. A series of checks will be made to assess the suitability of this file which can then be processed by your credit union.

After verification this data can be used to directly import data into the core banking system, subject to clearance.


Grant secure access to partners without placing additional demand on your staff, so they can access limited amounts of information to enable cooperation with your credit union with the latest data available. This functionality is designed for cases where you may have a reciprocal agreement set up for the well being of your members.


If you have workplace representatives in place to help new members sign-up or apply for services such as loans, then this portal can let your rep assist other people with the process. Reports may be made on your representatives so you can appraise who is best representing your credit union.

Responsibility for Members

Members who are vulnerable or in other challenging circumstances can be flagged, perhaps to ensure they are only handled by your staff with specialised training, or perhaps to orchestrate occasional checks.

Account Activity

Empower authorised staff to access a full history of accounts and see what information was changed, and by whom. This activity forms part of the audit trail that is enabled by default.


Running a hot promotion that you want to target to your members? Features including app push notifications, text messages and nag screens are designed to deliver maximum visibility to your target selection.

Planning a seasonal promotion such as a Christmas loan can ease the 'holiday rush' of typical loan departments if set up to gradually roll out across your whole member base, allowing you to give members an equally consistent service level while processing the loan.


Avoid frustrated members venting to the world. You want to hear about any negative feelings directly and first hand. If you make it easy for people to complain, then they will complain to you first and give you an opportunity to resolve the issue. All member correspondence is organised and archived so you can see the status of each complaint and escalate it if needed.

Third Party Integration Usage

Fees for services you are using such as bank checks, credit searches and postcode lookups can often be obfuscated with complex bills from third-parties. Our third party report shows simply the number of requests from Apollo to these third-parties so you can corroborate the invoices from these organisations directly to the number of requests made.

Statutory Reports

As Apollo works in real-time, the statutory reports can be generated at any point, meaning you won't need to export the data to put it in the correct format for submitting to trade bodies or government organisations.

Performance Dashboards

Knowing exactly where you stand on a day-to-day basis is extremely important for the sustainability of your credit union.

Our dashboards update every minute giving you an immediate view on performance. This includes statistics such as loan to share ratio, any pending withdrawals, total assets and outstanding loan balances for your credit union.

Historic information on loan applications, statistics on form submissions and drop-out rates on loans is also provided.


We respect the exclusive relationship you share with your members, and so our services never intrude on this relationship. We brand all public services to your credit union and keep our involvement low key or invisible.

Colours and Branding

All our services can be customised to include the use of your branding and colours. This customisation includes thoughtful touches throughout, including the styling of the forms the members will fill in, the credit union app icon that appears on a members smartphone, and many others.

Existing Website Integration

Our technology allows us to implement our services within your existing website by securely injecting a portal on to certain pages. This allows our new functionality to work without affecting your online branding, the overall function of your website, or requiring the member to be taken away from your site.

This is especially important to know if you have a website that you keep fresh with regularly updated content, as you can still promote your own services without interruption or interference.

Apollo Infinity can use third-party data to ensure you have accurate information at all times.

Bank Validation and Ownership

We check bank accounts against modulus checks and optionally against the names/addresses of members, to give you peace of mind that the bank details are correct and the money is being transferred to the correct person.

Address/Postcode Validation

Having postcode lookup fields means that a member doesn't have to fill out the entire address, reducing the possibility of mistakes and encouraging participation and better member experience through ease of use.

Automatic Data Cleansing

Automatically identify members that might have stale data or members that haven't been in contact recently. Prompt them to update their details and if they don't respond, be made aware of an opportunity for you to allocate them to an outreach team.

Email Checks

When a member has to enter an email address we perform checks to see if emails can be received at that address. Optionally, link with data from credit reference agencies to see how long that email address has been in use.

Delegating tasks around your credit union can be challenging, including keeping track of responsibilities and progress made.

Ease this challenge with our powerful but lightweight purpose built task management platform. A giant 'shared inbox' that you can search, delegate, assign, process, reply, or any combination of the above. It is fully integrated with the digital forms available to members and understands GDPR consents.

Migrating away from a literal shared inbox in your email client is made easy with the system accepting incoming emails to your existing addresses like


A full audit history is provided, showing exactly what was performed to complete tasks. Mandatory functions such as e-Discovery, subject access requests and machine readable exports are included, circumventing additional workload threatened by GDPR.


Set up advanced system rules so tasks can be automatically directed or redirected to the right colleagues. The advanced rules allow a task not picked up in a specific amount of time to be automatically escalated.


Tasks are archived after a period of time and are permanently stored in the system, accessible only by privileged members of your staff to minimise the risk of data loss/leaking.

Warning: Tech ahead.

Developer Friendly

If you have your own developers or integrators then they will feel comfortable with Apollo Infinity, it is built from the ground up to be integrated with. We firmly believe that for any software system to reach its potential, its services must be opened so they can be consumed by other systems.


We have multiple versions of the systems which are safe and sandboxed that your developers can interact with to build their systems into. Once they are comfortable with how the link works, we can open it up to the live version safe in the knowledge that it has been tested.


A webhook is a 'poke' when something happens. We can 'poke' your system in different ways so it can respond immediately when an event occurs in our system (like the moment a document has been e-signed) so you can hook into this and your systems can perform any actions they might need to in response to the event.

Technical Support

We support our own services with our own developers, so if you need any help then be reassured that there are no third party call centres or other frustrating hoops to jump through. Perfect if you have technical staff that need to talk to us.

Disaster Recovery

Our systems are backed up every 5 minutes and we test cold restores periodically. As the data is safely encrypted and stored multiple times over multiple physical sites, in the event of a total site loss we can have you up and running quickly again.

The physical platform is housed in a private cloud within Amazon's secure data centres and leverages Amazon Web Services (AWS). The data is physically stored on servers in the cloud based in the European Union and backups are taken every 5 minutes.

Amazon Web Services continually manages risk and undergoes recurring assessments to ensure compliance with industry standards. Amazon's data centre operations have been accredited under:

ISO 27001
SOC 2/SSAE 16/ISAE 3402
FISMA Moderate
Sarbanes-Oxley (SOX)

Convenience Security

Protecting your members accounts is key to our business We are experienced in deploying secure convenience technologies such as Touch ID and Face ID which can help to improve the security overall, however this depends on your risk appetite as you can also elect to disable these on the app.

Layered Security

Whether the system is being used by your staff or your members, we have many layers of security that protect the data. Our fraud detection system further monitors security by comparing information such as when a member last accessed a system, whether there has been any recent correspondence with a member, and manages risk of fraud at a workplace.

Supporting Document Capture

If your loan process requires supporting documentation from a member then getting that document into your system can be challenging. We have a wide range of methods for accepting this documentation including: Uploads through Web Portal, Email attachments, App upload with mobile device camera, Workplace Rep Upload and Credit Union Staff Scan.

Once uploaded it is archived automatically with advanced preview and categorisation options available to support your loans team.

Automatic Decisioning

We can enable your own custom scorecards for automatic decisioning. Non-credit report information such as membership length and share balances can be easily implemented too.


All relevant documentation is captured and archived automatically in the cloud within Apollo Infinity and/or stored locally on your own servers. It's all automatic so you never have to file away documents manually again.

Credit Reports

Having credit reports a single click away means you never need to 'double tap' information in as the information submitted is taken from member records and additional information that the member filled in during the application process. A full credit report, just like you're already used to is presented and automatically archived.

For members that perform multiple loan applications, see previous reports to determine whether you need to perform a fresh one.

Lending Metrics


We have full integration with major e-sign providers. Each just a single click once you're happy with the loan agreement. For automated lending arrangements you can request that this runs automatically

Adobe Sign


Identifying fraudulent lending is paramount to us which is why we perform KYC checks which include verifying that the bank account the loan is paid to belongs to the applicant.

Loqate GBG

We understand the importance of your current infrastructure, and are conservative in our implementation advice and planning. As such we never advise a 'big bang' switch to another provider including us, as this can negatively affect both staff and members' experiences.


We work alongside your existing software to sync data between the two systems opening up new features gradually giving a very smooth switch-over. The mix-and-match nature of Apollo Infinity means you can use just the services that you need while keeping your existing software running the functions that you need. We sync with: Curtains 1, Curtains 2, Focus and Progress.

Apollo Infinity should be affordable to every credit union, large or small. Our pricing scales based on the number of active members you have and we minimise any transactional fees (if applicable).

Installation trailblazing time is a development time budget included for customising the launch of your service from a wide selection of features. Monthly Trailblazing time is your monthly budget of available development time for ongoing feature development and customisation.

Apollo Infinity has no direct transactional costs, although we may use optional services such as credit searches, bank lookups, address lookups that are charged directly from the service provider. We have a separate transaction pricing structure available under Apollo, this is available on request.

Number of Members <1,000 <2,500 <5,000 <10,000 <25,000
Service Installation £900 £900 £1150 £1900 £1900
Installation Trailblazing time included 3.0 days 3.0 days 5.0 days 7.0 days 7.0 days
Monthly Running Cost £259 £395 £449 £550 £695
Monthly Trailblazing time included 0.5 days 0.5 days 1.0 day 1.0 days 1.5 days

All prices exclude VAT

Apollo Trailblazers

For credit unions that look to develop their member experience, we have a trailblazer program which lets you invest into Apollo Infinity. This investment will be felt by all credit unions that use the Apollo Infinity suite as new features are rolled out.

You can use the Trailblazing time to improve your member services, for example to. create and develop your forms, or develop brand new features which can benefit all credit unions using Apollo Infinity.

The co-operative nature of credit unions often means that while there may be competition between individual credit unions, often the major competition is instead between credit unions and high cost lenders such as payday lenders. A single credit union often does not have the resources to compete, however combining investment through the Trailblazers program gives you a chance to deliver an experience superior to the non-credit-union competition.

Don't take what is given

Your credit union can invest as much or as little as you like without it affecting the services that you receive. If you have a particular goal - you can steer our development towards your needs through our infinity conferences.

We believe that credit unions should not be simply taking 'what is given' by their vendors and should cooperatively work with them to deliver the future of services to members. We also promise to be open and transparent with our trailblazers so you can see who is investing in the features that you use every day, and as you grow and become more efficient, we would hope that you also join the Apollo Trailblazers.

Infinity Conference

We welcome credit unions of all size, whether they use our systems or not to voice their opinion and steer development. We also use this chance to share news on Apollo Infinity and to invite credit unions to join the early-access program where they can have the opportunity of trailblazing their own path.

The conference is hosted in Leicester, central to the UK, next door to the National Space Centre.

If you'd like to talk to us about Apollo Infinity, please Contact Us or call 0330 0883 887