Challenge 2025

The Digitization of the Global Credit Union System


A New Decade, A New Goal

In 2014, World Council of Credit Unions set a goal of reaching 260 million credit union members worldwide by 2020.

Through a concentrated worldwide effort, credit unions were able to reach our "Vision 2020" goal by 2017. But that growth was not even across all countries or among all credit unions. The credit unions that grew were those that offered core services via online and mobile channels. That is why we are now addressing how we increase membership going forward—through the digitization of the global credit union system by 2025.

Measuring Global Digitization

World Council will measure the digitization of credit unions in four key areas and report annually on the progress being made toward Challenge 2025.

Digital Channels

Offering members core digital transaction services such as online and mobile banking, online payments and online loan processing.

Shared Platforms

Connecting your credit union to a shared payments system that allows for mobile payments and integrated with a national payments system.

Risk Management

Implementation of a cybersecurity system that complies with national regulations to protect members' identity and consumer data from digital attacks and intrusions.

Data Analytics

Employing data analytics to determine additional service offerings to members, and helping to identify those that need financial literacy or counseling services.


Follow Our Progress, Tell Us About Yours

Track the latest developments in digitization by subscribing to our Challenge 2025 Blog. You can also send us updates on how your credit union or credit union system is striving to help us meet Challenge 2025 at

CAP Project Protects Credit Union Data by Moving it Out of Ukraine

Russia’s invasion of Ukraine and the ensuing destruction of infrastructure in some areas has elevated the material risks for credit unions, including the irretrievable loss of critical databases.

In response, the USAID/WOCCU Credit for Agriculture Producers (CAP) Project offered to backup and store data for its Ukrainian partner credit unions at a facility outside the country, as recommended by the government. This will help preserve critical information the credit unions will need to restore operations at a later date.

Under martial law, preserving critical data became highly important for credit unions and Ukraine’s two United Credit Unions (UCUs), which serve as central financing facilities.

Typically, credit union data is stored on servers at credit union offices or in data centers located in Ukraine. The servers are vulnerable to physical damage by attacks, which puts all of the data at risk. Additionally, most databases are not backed up, and those that are still remain vulnerable to cyberattacks.

As the war intensified beyond eastern Ukraine, the CAP Project took the initiative to protect that data by:

1) Securing access to servers in a reliable EU data center for interested credit unions to safely store their data. This will protect them from loss in the event of destruction of physical servers or other storage devices (such as USBs or disks).

2) Supporting both UCUs to set up remote workstations in the server space of the EU-based data center and accessing needed technical support to configure and teach them how to use those dedicated servers. In this critical way, the CAP Project enabled UCUs to ensure the continuity of their core banking systems and operations even under martial law, which is critical for maintaining liquidity for member credit unions today.

A total of 33 credit unions received access to the cloud data storage, with both UCUs receiving access to dedicated servers in the EU data center, as well as the technical support needed to install the applied software to work with their core banking systems.