Member Driven Technologies (MDT), a CUSO that helps credit unions navigate complex financial technology ecosystems, has announced a partnership with OnTrac AI, an AI development and consulting firm. The collaboration extends MDT's Transformational Consulting capabilities with deeper expertise in AI readiness, strategy and implementation.

CUSOs, or credit union service organizations, are collaborative vehicles through which credit unions pool resources to access shared technology and services, a model that allows institutions to share capabilities and costs they could not easily build alone. Credit unions, as member-owned, not-for-profit cooperatives, generally operate with smaller technology budgets and IT teams than large banks, which has long made partnerships and shared-service arrangements a practical route to new capabilities.

Under the agreement, MDT will offer OnTrac AI's Ignite program as an extension of its consulting offering. The program is designed to help credit unions identify high-value AI opportunities, pinpointing where AI can create the greatest value, assessing organizational readiness and establishing a practical path from exploration to measurable outcomes. The partnership arrives as AI adoption has become a broad theme across financial services, with institutions weighing potential efficiency gains in member service and back-office operations against questions of governance, data security and staff readiness. The National Credit Union Administration, which regulates federally insured credit unions, has hosted public symposiums on artificial intelligence and compiled resources on its use in the sector, reflecting the governance and risk-management considerations that run alongside adoption.

The collaboration builds on MDT's role as a trusted strategic partner, combining its deep credit union expertise, client-centric consulting approach and technology foundation with OnTrac AI's proven methodology for turning AI uncertainty into clear priorities and actionable plans.

"AI has the potential to transform how credit unions operate, but for many institutions, the biggest challenge is knowing where to begin," said Dan Schneider, Chief Project Officer at MDT. "By partnering with OnTrac AI, we are giving credit unions access to a structured, responsible and scalable approach to AI adoption. This insight will help our clients move beyond curiosity or confusion around AI and take deliberate steps toward improved operations, stronger employee adoption and better member service in a way that supports compliance, security and the credit union mission of people helping people."

MDT's Transformational Consulting helps credit unions align people, processes and technology in order to eliminate inefficiencies, redesign workflows, optimize resources and prepare for thoughtful automation. The OnTrac AI partnership adds a specialized AI framework for evaluating AI opportunities based on organizational impact, implementation effort and likelihood of adoption, while also addressing governance, security, literacy, employee readiness and responsible implementation.

"The goal isn't to encourage credit unions to adopt AI for the sake of adopting AI," said Bob Marsh, Chief Growth Officer at OnTrac AI. "Ignite helps organizations step back, identify where AI can have meaningful operational impact and prioritize opportunities based on their needs, readiness, and ability to execute. Partnering with MDT allows us to provide credit unions with experienced AI experts, stronger AI literacy and readiness across teams, enabling them to take a scaled approach that is practical, economical and aligned with their unique needs. Together we are helping credit unions reduce fear and take intentional steps toward operational efficiency and enhanced member service."

For credit unions, the combined offering is intended to provide a structured route from initial AI exploration through to measurable outcomes, with governance, security, literacy and employee readiness addressed alongside responsible implementation. The announcement did not disclose program pricing or rollout timing.