Made For Members

Practical, People-Centred Change for Credit Unions

We help Credit Unions modernize services, strengthen member and staff experiences, and build capacity for lasting transformation. 

Who We Are

Together, we combine leadership + experience design expertise to help Credit Unions modernize without losing their cooperative heart.

Carrie Forbes

Carrie Forbes

Leadership, Governance, Transformation

Carrie is the former CEO of League Data and has extensive experience in Credit Union strategy, governance, and change management. She helps boards align, coaches executives, and guides organizations through complex transformation while staying true to cooperative values.

Jamie Gerrard

Service Design, UX, Transformation

Jamie is the founder of 20/20 Digital with deep experience in service design and transformation for Credit Unions and purpose-driven organizations. He helps improve member and staff experiences through impactful, human-centred strategies.

Why We're Here

Credit Unions are rising to their moment. They have the cooperative foundation to modernize authentically, by staying true to their values. 

The opportunity challenges become strengths when you're built for putting members first. 

We believe in helping Credit Unions embrace change that honours their roots and unlocks their potential.

What Makes Us Different?

We work with Credit Unions, not around them.

  • We start with cooperative values and keep people at the centre
  • We design within real-world constraints — budgets, legacy systems, regulations
  • We embed alongside your team, building capacity as we go
  • We focus on adoption and outcomes, not just reports

Our Services

Every engagement includes design, measurement, and hands-on support so change takes root.

CU Experience Sprint

Quickly improve a member or staff experience in just four weeks.

  • Outcome: 3–5 measurable improvements in 30 days, with staff ready to sustain change.
  • Duration: 4 weeks

Activities:

  • Kickoff + current state review
  • Mapping and pain point analysis
  • Co-design with staff + leadership
  • Testing and feedback loops
  • Prioritization + next steps plan
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Strategy-to-Delivery Pathway

Turn big-picture goals into practical steps that stick.

  • Outcome: A roadmap from vision to execution, with governance buy-in, staff readiness, and early pilots.
  • Duration: 2–3 months + coaching

Activities:

  • Strategy & vision workshop
  • Scenario planning
  • Readiness & adoption scan
  • Roadmap development
  • Micro-pilots for early wins
  • Ongoing coaching
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CU StoryLab: Trust & Communication

Bring clarity and consistency to your Credit Union’s voice.

  • Outcome: A stronger, consistent story that builds trust with members, staff, boards, and regulators.
  • Duration: 4–6 weeks

Activities:

  • Content + channel audit
  • Messaging workshop
  • Practical templates (emails, FAQs, scripts, board decks)
  • Optional training
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AI with Trust

AI is everywhere — but how do Credit Unions harness it responsibly?

  • Outcome: A CU-scale, people-first approach to AI that builds confidence and reduces risk.
  • Duration: 4–6 weeks

Activities:

  • AI readiness workshop
  • Policy + compliance checkup
  • Use case prioritization
  • Staff awareness + training
  • Optional data stewardship support
Email us to get started »
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How We’re Different

Credit Unions have plenty of consultants, agencies, and vendors. Here’s how we stand apart: 

  • Not an agency. We don’t sell campaigns. We create strategies and experiences rooted in cooperative values.
  • Not a big-firm consultancy. We don’t hand over a report and leave. We stay with you and focus on adoption.
  • Not just tech advisors. We know systems and budgets matter, but people, process, and service experience come first. 

We combine executive leadership and governance with service design and digital transformation — a partnership built to help Credit Unions modernize without losing their cooperative heart.

"Your support helped us create the Customer Advisory Council (CAC), take ownership of the initiative, and become self-sustaining. Your thoughtful approach, training, and planning set the CAC up for success."

— Member Engagement Team, League Data

Carrie Forbes

Carrie Forbes

Leadership, Governance, Transformation

Jamie Gerrard

Service Design, UX, Transformation

Let's Talk

We’d love to hear what your Credit Union is working on.

Service:

Your message is confidential and will reach both Carrie & Jamie. We’ll reply soon.