OceanAir Federal Credit Union Accelerates Digital Transformation with Q2 Innovation Studio

Using Q2 Innovation Studio, OceanAir reimagined member engagement—automating service, expanding lending, and enhancing community impact without losing its personal touch.

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65-70% of all chat conversations are addressed through Entropy
30% campaign click-through rate with Larky
1,000+ buy-now, pay-later loans funded by equipifi

"If a solution doesn't integrate with Q2, we're not interested. We rally around Q2 Innovation Studio partners to optimize our speed to market."

Jesus Garcia, OceanAir Federal Credit Union SVP & Chief Experience Officer

About OceanAir Federal Credit Union

Headquarters: Oxnard, California
Assets Under Management: $800 million+
Solutions: Q2 Innovation Studio, Q2 Digital Banking Platform

Challenge

Balancing digital with human connection

As member expectations for seamless digital experiences grew, OceanAir needed to modernize its digital banking capabilities—without losing the personalized, relationship-driven service its members value most.

Solution

Driving digital transformation with Q2 Innovation Studio

OceanAir turned to Q2 Innovation Studio to accelerate its digital strategy—selecting and launching integrated fintech solutions that enhanced convenience, engagement, and community impact.

Key initiatives included:

Eltropy for AI-powered chat, video banking, and co-browsing.
Larky for personalized mobile notifications, increasing campaign click-through rates.
Autobooks for small business invoicing and payments, accelerating speed to market.
SavvyMoney for embedded credit education and instant loan preapprovals within digital banking.
equipifi for a buy-now, pay-later program.
Carefull to protect seniors from fraud and financial missteps while enabling family collaboration.
Spiral to make charitable giving seamless—helping members support wildfire relief efforts and matching every donation through the OceanAir Foundation.

Results

Smarter service, stronger engagment, and measureable growth:

- 65–70% of chat inquiries handled by AI, freeing staff for high-value conversations
- 30% campaign engagement rate through Larky notifications
- 1,000+ buy-now, pay-later loans funded via equipifi
- $180K in development savings through Q2 Innovation Studio
- 10% reduction in call center volume
- Enhanced community impact through education and charitable initiatives