RAI Partners

Receivables Artificial Intelligence Partners, aka RAI Partners, is a CUSO that builds data-driven fintech for credit unions. Leveraging decades of experience in credit and technology, we build and manage next-generation financial products that grow loans, deposits, income, and member base.

The problems we are solving

Credit Unions want to offer cutting-edge fintech products that meet more needs for a wider range of members.

• However, structural barriers have held them back. Cost, scale, regulation, the pace of fintech, and risk management hurdles have been difficult to overcome.
• They are missing opportunities to grow their loans, deposits, income, and member base.
• Large banks are capitalizing on those missed opportunities, eroding credit unions’ deposit and member base.

RAI provides a turnkey fintech platform that unlocks new products and growth opportunities for credit unions without additional overhead and risk.

Portfolio Acquisitions

We acquire credit card portfolios from credit unions. We work with them to optimize and grow their portfolio, enhancing the product, technology, member engagement, and income.

Turn Down Programs

We build credit card programs that help credit unions accept members who would otherwise be declined. Our turn down programs run parallel to credit unions existing card programs and help them say “Yes” to more members, increase engagement and grow income.

Agent Bank Programs

We build branded credit card programs from scratch that help credit unions deliver next-generation credit cards to their members. We work with our clients to design a compelling product that excites members, increases engagement, and grows their bottom line.

Financing Lines

We help credit unions extend asset-backed loans that generate an attractive risk-adjusted return.