Research and Insights

Research and Insights

SpringFour Partner of the Month: Fifth Third

Imagine a bus pulling into a neighborhood where the nearest bank branch is miles away. Inside, residents can open a checking account on the spot, step into a private consultation pod, or meet with a credit counselor. And with SpringFour integrated directly into the experience, a quick zip code search instantly surfaces local financial assistance. What might otherwise take hours is resolved in minutes.

SpringFour Partner of the Month: OppFi

When financial pressure hits, speed matters. During the 2025 federal government shutdown, the longest in U.S. history, millions of households suddenly faced paused paychecks and benefits, alongside mounting uncertainty. Financial institutions had a choice: wait, or act. OppFi acted.

SpringFour Partner of the Month: Michigan State University Federal Credit Union (MSUFCU)

This March, we’re recognizing Michigan State University Federal Credit Union (MSUFCU) as our Partner of the Month, for their delivery of critical financial health support and real business impact. Through its partnership with SpringFour, MSUFCU demonstrates how responding to members’ needs and interests drives measurable business results.

What’s missing in banks’ AI efforts: Real financial help

AI is fast becoming the front door to banks. When customers need help, they will soon be more likely to start online than at a branch. As industries worldwide moved to adopt agentic AI, the financial services sector emerged as a leader. The technology is ubiquitous in every capacity: more than 50% of industry executives report using AI agents across organizations.

SpringFour Partner of the Month: Golden 1 Credit Union

We’re excited to kick off our new Partner of the Month series by highlighting a standout organization delivering meaningful financial health support and driving real business impact: Golden 1 Credit Union. Through its partnership with SpringFour, Golden 1 demonstrates how prioritizing member wellbeing deepens trust and engagement and reinforces long-term loyalty.

2025 Annual Impact Report: Delivering Critical Business Results, Answering Pressing Financial Health Needs

2025 was a year of results for SpringFour and the partners who trust us to deliver financial health solutions when it matters most. Through student loan resumptions, a federal government shutdown, rising foreclosures, and climbing household debt, SpringFour remained laser-focused on our mission: connecting people and organizations to the resources that solve real financial challenges.

10 ways SpringFour’s Partnerships Led to Stronger Client Portfolios in 2025

Using SpringFour at key moments in the customer journey increases customer engagement, drives repayments, and delivers measurable ROI. There are many ways you can integrate SpringFour into your existing business practices to drive positive outcomes and reduce delinquencies for your customers and your business. Learn how in this blog.

How a Government Shutdown Impacts Your Customers

While the government is shut down, hundreds of thousands of federal employees and active-duty military are furloughed, required to work without pay, or will not receive paychecks until the government reopens. With the government shutdown, your customers will need your support and look to you for guidance. With more than 25,000 vetted, local financial health resources that can make a difference for consumers, our solutions connect people in real time to trusted help.

Delinquency rates could get worse. Here’s a win-win solution

Using SpringFour at key moments in the customer journey increases customer engagement, drives repayments, and delivers measurable ROI. There are many ways you can integrate SpringFour into your existing business practices to drive positive outcomes and reduce delinquencies for your customers and your business. Learn how in this blog.

How you can help customers navigate federal spending cuts

With the recently passed Big Beautiful Bill and potential cuts to programs in the federal fiscal year budget 2026, millions of Americans are navigating massive changes to essential programs, including cuts to Medicaid and SNAP. To meet this moment, SpringFour has expanded its resource offerings to ensure families can access support available from trusted organizations.

SpringFour Partner of the Month: Fifth Third

Imagine a bus pulling into a neighborhood where the nearest bank branch is miles away. Inside, residents can open a checking account on the spot, step into a private consultation pod, or meet with a credit counselor. And with SpringFour integrated directly into the experience, a quick zip code search instantly surfaces local financial assistance. What might otherwise take hours is resolved in minutes.

SpringFour Partner of the Month: OppFi

When financial pressure hits, speed matters. During the 2025 federal government shutdown, the longest in U.S. history, millions of households suddenly faced paused paychecks and benefits, alongside mounting uncertainty. Financial institutions had a choice: wait, or act. OppFi acted.

SpringFour Partner of the Month: Michigan State University Federal Credit Union (MSUFCU)

This March, we’re recognizing Michigan State University Federal Credit Union (MSUFCU) as our Partner of the Month, for their delivery of critical financial health support and real business impact. Through its partnership with SpringFour, MSUFCU demonstrates how responding to members’ needs and interests drives measurable business results.

What’s missing in banks’ AI efforts: Real financial help

AI is fast becoming the front door to banks. When customers need help, they will soon be more likely to start online than at a branch. As industries worldwide moved to adopt agentic AI, the financial services sector emerged as a leader. The technology is ubiquitous in every capacity: more than 50% of industry executives report using AI agents across organizations.

SpringFour Partner of the Month: Golden 1 Credit Union

We’re excited to kick off our new Partner of the Month series by highlighting a standout organization delivering meaningful financial health support and driving real business impact: Golden 1 Credit Union. Through its partnership with SpringFour, Golden 1 demonstrates how prioritizing member wellbeing deepens trust and engagement and reinforces long-term loyalty.

2025 Annual Impact Report: Delivering Critical Business Results, Answering Pressing Financial Health Needs

2025 was a year of results for SpringFour and the partners who trust us to deliver financial health solutions when it matters most. Through student loan resumptions, a federal government shutdown, rising foreclosures, and climbing household debt, SpringFour remained laser-focused on our mission: connecting people and organizations to the resources that solve real financial challenges.

10 ways SpringFour’s Partnerships Led to Stronger Client Portfolios in 2025

Using SpringFour at key moments in the customer journey increases customer engagement, drives repayments, and delivers measurable ROI. There are many ways you can integrate SpringFour into your existing business practices to drive positive outcomes and reduce delinquencies for your customers and your business. Learn how in this blog.

How a Government Shutdown Impacts Your Customers

While the government is shut down, hundreds of thousands of federal employees and active-duty military are furloughed, required to work without pay, or will not receive paychecks until the government reopens. With the government shutdown, your customers will need your support and look to you for guidance. With more than 25,000 vetted, local financial health resources that can make a difference for consumers, our solutions connect people in real time to trusted help.

Delinquency rates could get worse. Here’s a win-win solution

Using SpringFour at key moments in the customer journey increases customer engagement, drives repayments, and delivers measurable ROI. There are many ways you can integrate SpringFour into your existing business practices to drive positive outcomes and reduce delinquencies for your customers and your business. Learn how in this blog.

How you can help customers navigate federal spending cuts

With the recently passed Big Beautiful Bill and potential cuts to programs in the federal fiscal year budget 2026, millions of Americans are navigating massive changes to essential programs, including cuts to Medicaid and SNAP. To meet this moment, SpringFour has expanded its resource offerings to ensure families can access support available from trusted organizations.

SpringFour: A One-Stop Shop for Homeowner Assistance

SpringFour: A One-Stop Shop for Homeowner Assistance

Springfour is uniquely positioned to help Non-profits and Servicers provide assistance to their clients. Through updated state resources and expert-authored informational guides about the Homeowner Assistance Fund, SpringFour’s new offering and current tools can help struggling homeowners apply for funds.

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Companies Focus on ESG Metrics, Highlight SpringFour Partnership

Companies Focus on ESG Metrics, Highlight SpringFour Partnership

In the wake of climate change and social unrest surrounding racial inequality, many companies are ramping up their environmental, social and governance (ESG) programs to highlight the importance of being a good corporate citizen with a positive impact on customers and community. Banks in particular are reimagining their role as corporate stewards, and rethinking what ESG means for them as part of a broader emphasis on corporate social responsibility (CSR). Katy Jacob, SpringFour’s VP of Research & Impact, discusses how SpringFour fits in to the evolving ESG landscape.

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Helping Renters Stay Put: Responding to the COVID-19 Housing Insecurity Crisis

Helping Renters Stay Put: Responding to the COVID-19 Housing Insecurity Crisis

Long before financial health became a hot topic, SpringFour recognized that connections to local resources could help improve financial lives and increase repayment rates. MMI has a kindred mission in seeking to help families get through a financial crisis through counseling and debt management services. Read the case study to learn how the organizations have worked together to help renters maintain housing security in a time of crisis during COVID-19.

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One Year Post-COVID-19: SpringFour Looks Back

One Year Post-COVID-19: SpringFour Looks Back

Since lockdowns began, our team added hundreds of carefully researched and vetted financial resources to our database and delivered more than 3.8 million financial resources to individuals struggling to stay afloat. And we did it all in partnership with many more like-minded banks, lenders, nonprofits, and employers. Our team members share in our own words how we met demand during our busiest year ever and what being part of the solution has meant to each one of us.

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A Chicago Fintech Financial Health Collaboration: SpringFour and Enova Case Study

A Chicago Fintech Financial Health Collaboration: SpringFour and Enova Case Study

Enova and SpringFour are Chicago-based fintechs working together to improve families’ financial health. The two companies began to explore a partnership in October of 2019, and by the spring of 2020, Enova had launched SpringFour resources via S4direct to its CashNetUSA and NetCredit brands. Read the case study to find out more about how this partnership helped customers through the COVID crisis and beyond.

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Annual Report 2020

Annual Report 2020

SpringFour today announced that it delivered almost 3.3 million financial health referrals to Americans in need in 2020. SpringFour increased its support with 37% more resources available and 21% more cities covered, and increased its subscribers by 43%, which included 44% more banking and lending clients including Avant, Elevate, Enova, and two of the top 10 U.S. banks and others, and 25% more nonprofit clients.

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Awards & Recognition

          

           

       

    

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