Transave and Haboo Money Partner to Set a New Standard for Credit Union Digital Engagement

16/04/2026

Haboo money, the adaptive engagement layer for consumer credit, has announced a partnership with Transave.

The partnership is designed to modernise how credit unions engage with members by introducing a more flexible digital experience that better reflects the realities of modern borrowing.

At a time of increasing financial volatility, traditional lending systems can often struggle to support members whose incomes do not follow a predictable monthly pattern. For many borrowers, a fixed repayment date and rigid repayment structure can increase the risk of missed payments and avoidable financial difficulty.

Transforming the member journey

The partnership between haboo money and Transave is focused on creating a more personalised and supportive repayment experience for members. By aligning repayment schedules more closely with members’ real-world income patterns, Transave aims to help more members stay on track, recover from arrears and build greater financial resilience over time.

This approach also supports Transave’s long-term ambition to remain a trusted financial partner to its members throughout their borrowing journey.

Supporting more inclusive lending

Transave will now be able to move beyond traditional digital servicing and towards a more adaptive engagement model. Through the use of underlying transaction and engagement data, Transave can sustainably lend into new segments with greater confidence, providing accessible credit to those typically marginalised by the current system.

Innovating the Credit Union sector

This partnership reflects a shared commitment to improving member outcomes and expanding access to affordable, responsible credit. With the vast momentum behind the credit union sector, initiatives like this demonstrate how innovative partnerships can set new standards for accessible and responsible lending.

Ian Sibbald, CEO of Transave, commented: This partnership with haboo money represents an important step forward in how we support our members. At Transave, we understand that people’s financial lives are not always predictable, and it’s vital that our services reflect that reality. By introducing a more flexible approach to engagement and repayment, we can better support our members to stay on track, recover from difficulties and build long-term financial resilience.

Hannah Baynham, co-founder and CEO of haboo money, commented: The credit union sector has always been a leader in community focused lending, but they have often been held back by static, 20th century technology. We built haboo to close that gap. By layering an adaptive engagement experience over Transave’s existing systems, we are helping them turn the challenge of unpredictable income into an opportunity for growth. We are so excited to partner with a forward thinking team like Transave to prove that lending can be both more inclusive and more more resilient when it is designed around the way people actually live today.