The UG Credit Union offers a secured paperless and robust transactional platforms that give members around the clock access to the union services. Consequently, the union enhance its existing platforms to accommodate a wider variety of member services. The multifunctional USSD Code (*365*71#) and the SmartappKe provides prompt access to savings withdrawal applications, balance enquiries, instant transfers to and from mobile money wallets, intra-account transfers among others, while safeguarding members against vulnerabilities.