RANCHO CUCAMONGA, Calif. (11/6/08)--A new tool from CO-OP Financial Services, “CO-OP Revelation,” will allow credit unions to analyze cardholders’ usage behavior. The analysis can be narrowed, based on merchant type, network and type of transaction. “Knowing which merchants are popular with members will allow credit unions to be more creative with reward and incentive programs,” said Stan Hollen, CO-OP Financial Services president/CEO. With CO-OP Revelation, Addison Avenue FCU, Palo Alto, Calif., identified heavy ATM usage by its cardholders at a competing bank with CO-OP Revelation. “Based on this information, we were able to pinpoint the exact location where an ATM would best serve our members,” said Linda Manning, Addison Avenue FCU fraud analyst. CO-OP Financial Services licensed Saylent Technologies’ Y-Debit card portfolio optimization solution as the platform for CO-OP Revelation. CO-OP Financial Services is a credit union service organization based in Rancho Cucamonga, Calif.