FMSI (Cottonwood Heights, UT) and Appli (Salt Lake City, UT) have partnered to connect branch operations software with AI-powered financial calculators, giving credit unions more visibility, helping branch teams turn scheduled visits into more productive financial conversations.
Cottonwood Heights and Salt Lake City, Utah — March 16, 2026
Fintech partnership connects digital financial decision tools with branch scheduling and staffing platforms.
FMSI, a provider of branch performance and workforce management software for financial institutions, has partnered with Appli, whose AI-powered financial calculators are gaining traction across the credit union industry. The companies say the integration is designed to help credit union branches turn member visits into more productive financial conversations.
The partnership brings together two complementary capabilities. FMSI’s platform provides operational visibility for branch teams through appointment scheduling, lobby management, staff scheduling, and performance analytics. Appli’s AI-powered calculators, embedded within a credit union’s digital presence, allow members to explore financial decisions before visiting a branch.
Together, the two platforms are intended to create a more connected member journey, linking early digital engagement with in-branch conversations.
For credit unions looking to get more out of their branch investments, the timing is notable. Appointment scheduling data consistently shows that members who book visits in advance are more likely to arrive with a specific financial objective in mind, making those conversations more productive for both the member and the branch team. When that pre-visit engagement includes interaction with a financial calculator, staff may have a clearer picture of what the member is considering before the conversation even begins.
“Branch staff are often well-prepared to serve members. What’s missing is context,” said Jacob Reeves, General Manager of FMSI. “When a member has already worked through a financial calculation before their appointment, the branch team can walk into that conversation knowing where to take it. That’s what this partnership makes possible.”
The idea of branches operating as revenue centers has gained renewed attention in recent years as financial institutions take a closer look at what their physical locations actually produce. Increasingly, credit unions are finding that outcomes depend heavily on preparation, staffing alignment, and member context going into each visit, areas where appointment scheduling and pre-visit digital engagement can play a role.
“A member who has already run the numbers on a home equity loan or a vehicle purchase is partway through a decision,” said Tim Pranger, CEO of Appli. “Pairing that with FMSI’s scheduling and branch tools means the credit union is ready for that conversation. The member gets a much better experience because of it.”
The companies plan to discuss the integration in a joint webinar: From calculations to consultations: Where AI, data, and branches meet. It is scheduled for Thursday, March 26 at 1:00 PM EDT.
For more information, visit fmsi.com and hiappli.com.