Your Credit Union Has an AI Problem. Todd Michaud Has a Plan. скачать в хорошем качестве

Your Credit Union Has an AI Problem. Todd Michaud Has a Plan.

One third. That is how much of your team's capacity Todd Michaud says is being burned on work nobody actually wants to do. Todd Michaud, founder and CEO of Huloop, which stands for Human in the Loop, joined Sarah Snell Cooke of The Credit Union Connection live at GAC 2026 for a refreshingly honest conversation about what AI adoption actually looks like inside a credit union. Not the hype version. The real one, with resistant employees, nervous boards, decade-old business processes, and legacy core systems nobody wants to touch. Huloop's whole approach is built around a simple premise: start where it hurts. Michaud and his team identify four to six pain points in an organization and tackle those first, racking up quick wins before moving deeper. For most of their 65 credit union clients, that means the lending lifecycle, which is document-heavy, data-entry-intensive, and frankly exhausting. Member onboarding and back office functions like HR and accounting are usually close behind. What sets the conversation apart is how Michaud talks about people. He is not pitching a headcount reduction tool. Across all 65 clients, he says, nobody has lost their job. The goal is scale without proportionally growing staff, and that is a very different conversation to bring to a board. He also makes a strong case for starting with your change adopters rather than trying to win over the skeptics first. That one comes from experience doing it the hard way. The "human in the loop" philosophy is worth understanding too. Credit unions are people businesses, and the idea that humans should govern AI rather than just defer to it is baked into everything Huloop builds. Boards, examiners, auditors, they all get a say. Michaud talks about building the company from day one to be both employee-friendly and regulator-friendly, and in a heavily regulated industry, that framing matters more than most AI vendors seem to realize. If your credit union is somewhere between "we know we need to do something about AI" and actually doing it, this conversation is a good place to start.