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PITTSBURGH—Credit unions have long been “data rich but insight poor,” according to one company that has introduced a new free tool that aims to change that — and its most intriguing promise may be the ability to surface early warning signs of risk before they fully show up in a credit union’s bottom line.

MILWAUKEE and SAN FRANCISCO— Fiserv has entered an exclusive partnership with Affirm to add pay-over-time features to debit card programs at U.S. banks and credit unions, expanding buy now, pay later access without requiring financial institutions to build new lending products, Fiserv said.