The news: Golden 1 Credit Union is leveraging generative AI (genAI) not to replace human creativity, but to accelerate the early ideation process and reduce production inefficiencies, per The Financial Brand.

The strategy: There are many risks of relying too heavily on unvetted genAI without strict human oversight, but that’s far from what Golden 1 is doing. The California credit union uses genAI to:

• Accelerate early creative development by generating visuals based on the creative brief, reducing time spent on initial design mockups.
• Replace generic stock photos with AI-generated images tailored to campaign goals, making early concepts more relevant and aligned with the brand’s vision.
• Speed up brainstorming by quickly producing visual examples that kickstart the creative process and align teams faster.
• Cut down on production costs by avoiding premature investments in photographers or custom shoots before campaign direction is finalized.
• Enhance agency collaboration, with Golden 1’s agency using genAI to deliver campaign drafts that are closer to the intended final result.

And in order to minimize inaccuracies and compliance risks, Golden 1:

• Maintains human oversight, with marketers and creatives refining AI-generated concepts to ensure they fit the brand voice and resonate with audiences.
• Limits AI use to non-sensitive content, keeping member data and high-risk areas out of AI processes to protect brand safety and regulatory compliance.

What that means for Golden 1: Offloading the tedious and time-consuming early stages of campaign development to genAI frees up Golden 1’s marketing team to focus on what really drives impact—strategy, storytelling, and deeper creative execution. With less time spent on mockups and revisions, they can move faster to market, explore bolder ideas, and refine messaging to resonate more meaningfully with members. 

It also allows for smarter use of budget and talent, with human expertise redirected toward high-value tasks like brand refinement, audience targeting, and long-term campaign planning.

Our take: Sixty percent of consumers favor content from genAI creators over traditional creators, according to a Censuswide survey commissioned by marketing firm Billion Dollar Boy. That means financial institutions (FIs) that use genAI to supercharge their marketing might be creating content that better resonates with their target audience, while simultaneously improving the team’s efficiency and costs. 

But don’t forget to create a genAI roadmap before using this strategy.