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December 18, 2020

10 attributes of a successful prototype

first_imgby: Stephanie Schwenn SebringYou’ll know these when you see themA branch prototype is an overarching concept for how your branches will promote your brand. Here are 10 things you’d expect to find in a successful branch prototype, according to Paul Seibert, CMC, principal/financial and retail design, in CUES Supplier member EHS Design, a NELSON Company, Seattle.1. Clarity and simplicity of brand translation. Every element of the branch environment must support the brand and business objectives. Clarity ensures top-down understanding of the branch experience easily explained to members and the community by the board, management, and all staff members.2. Attracts, retains and develops target members. Each branch must present a brand experience that attracts target members, and focuses attention on key products during every visit. How can the branch be designed to come alive, to become a stage upon which to orchestrate and drive relationship building and share of wallet?3. Delivers differentiation in image and experience. The branch experience must project something uniquely desirable about the CU. How does the experience connect to the community and target members’ values and interests? What is it about the new design that substantially differentiates the CU from the competition?4. Balances a strong brand statement with local values. What percentage of the branch experience should be about the CU’s brand and what percentage is about each unique community as served by a particular branch? What are the most efficient ways to deliver a strong brand statement while celebrating the local relationship?5. Converges with all delivery channels. Branches are an essential delivery channel, but one of many. Location is second only to brand in terms of the financial institution selection and must be an integrated part of the delivery system. The brand “experience” in the branch and online must be the same. continue reading » ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

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Tech Time: An encryption primer

first_imgby: Jim Benlein, CISA, CISM, CRISCOver the past few years, as new products or services have been examined at your credit union, the question of how passwords are secured has probably come up. In most cases, vendors you were considering probably responded: “Oh. We encrypt passwords.” That’s certainly nice to hear, but not quite what is needed in today’s turbulent security environment.This article will briefly discuss encryption terms and concepts and wrap up with a list of questions you can ask your vendors to make sure they’re going a good job protecting your data.Encryption PrimerFirst, what exactly is “encryption”? According to the National Institute of Standards & Technology, encryption is “…The process of transforming plaintext into cyphertext using a cryptographic algorithm and key…” The table below offers some insight into the various parts of this definition. continue reading » ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrcenter_img PlaintextText easily readable and understood by humans• This article is in plaintextlast_img read more

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Four ways to avoid strategic plan drift at your credit union

first_imgStrategic planning sessions are fun (or at least they should be). You examine your successes and failures, brainstorm new initiatives to grow, put timelines together and wrap it all up with a pretty PowerPoint presentation. You strategize, you plan, you prioritize.And sometimes, then you drift.Strategic plans face many obstacles when it comes to success: external threats, unexpected economic downtowns, unfortunate staffing challenges, etc. There are several ways you can lose strategic momentum or fail to reach your goals. But one of the greatest traps you must avoid is the strategic plan drift.As Darren Hardy, publisher of Success Magazine and author of The Entrepreneur Rollercoaster says, “You see, we don’t fall off course, we drift off course. We don’t fall off our workout schedule, our diet, our resolutions, our goals—we drift.”He goes on to say, “We drift ever so slightly and slowly without realizing it. Then a while down the road, we finally regain consciousness, only to realize we are completely off course.”Once your plan is crafted, then the tasks of running your credit union or bank can easily dominate your daily routine. You don’t intend to drift, but somehow you fall off your desired path. So how do you avoid having your strategic initiatives drift? Here are four ways to not fall into that trap. continue reading » ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

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One-stop digital banking at your credit union

first_img 9SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr “We’ve seen mobile become the driving force when it comes to serving our members,” says Jon Reske, VP/marketing at $400 million/34,000-member UMassFive College Federal Credit Union, Hadley, Mass. “It will become the preferred delivery system, especially for our demographic.”The CU serves the Five College Consortium, including these independent institutions: Amherst College, Hampshire College, Mount Holyoke College, Smith College and the University of Massachusetts’ flagship Amherst campus.Additional UMass satellite campuses include Dartmouth, Lowell, Boston and the UMass Medical School in Worcester, which are also served by UMassFive College FCU. “There’s a high level of technology aptitude in the education and medical markets,” Reske says, making it vital to offer robust digital banking services.Integration Proves KeyUMassFive College FCU has relied on Portico from Fiserv for account processing since 1983. So when it was ready to launch a more sophisticated digital banking offering, the credit union turned to Fiserv for a full suite of solutions, including the ASP (Application Service Provision) versions of Corillian Online and Mobiliti™, CheckFree® RXP® for bill payment, Popmoney® for person-to-person payments, and AllData® for personal financial management. continue reading »last_img read more

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Consumers’ expectations evolve in omnichannel environment

first_img 23SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr Consumers’ shopping experiences no longer consist of simply making lists and traveling to brick-and-mortar locations. A recent study by PYMNTS.com found consumers increasingly demand omnichannel services, and when merchants fail to provide them, the majority will take their business elsewhere.Less than 5 percent of consumers tend to avoid digital methods altogether when planning a purchase. This means the majority of consumers opt for a blend of digital and human touch points when shopping. Merchants with less-than-optimal digital aspects of their businesses run the risk of losing consumers’ interests.While on their paths-to-purchase, 62 percent of consumers perform research online before visiting a store. They enjoy the ease of seeing all their options with just a few clicks and instantly retrieving a breadth of relevant information. The self-service nature of the web should translate to consumers’ in-store experiences. According to the study, 69 percent of shoppers would be more likely to shop in-store if the store offered self-help technologies such as kiosks and interactive displays. continue reading »last_img read more

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Vendor management and compliance: To protect and serve

first_imgWe’ve all had the experience of putting trust in someone else, whether it’s trusting your hairstylist to give you a haircut that’s not too short, trusting the chef that there’s no peanuts in your dish, or the barista getting your “half-caff,” almond milk latte with extra foam order right.It’s the same with trusting your service providers to stay on top of compliance issues and keep your concerns top of mind, but the stakes are much higher than getting your coffee order right. The role of a good financial services vendor is not unlike the police department—to protect and serve.Protection is critical, especially when you factor in the (sometimes harsh) reality that the Consumer Financial Protection Bureau (CFPB) does not distinguish between the activities of vendors and the activities of the financial institutions that those vendors serve.Importance of Service Provider ManagementMany companies rely on service providers to essentially take over part of their functions, using expertise that the company itself may not have. For many, this includes monitoring compliance and risk management. That doesn’t mean you can entirely step away; your involvement shifts, instead, to service provider management or vendor management. This is a multifaceted program designed to oversee all third party activity and manage risks associated with vendor relationships. It is designed to protect the lender, the vendor, and, of course, the consumer. continue reading » 16SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

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3 ways to survive a toxic workplace

first_imgKeep a detailed journalWriting down exactly what you experience in the office will serve many purposes. First, it will help you to vent without having to open up to a coworker or bringing your work drama home with you. Second, on the off chance you’ll need detailed documentation on an incident down the road, you’ll be fully prepared with notes from that exact time period.Keep to yourselfYou don’t have to be friends with your coworkers, you just have to be a good team player. So, if your workplace is wearing on you, just keep your head down and do your work. You are not paid to be social comrades with your colleagues but are compensated for your job performance. Being courteous, cordial, and collaborative are certainly enough so remember to do your job well and avoid trouble by laying low.Decide what’s nextIf your workplace is so toxic that you just can’t bear it any longer, it’s probably time to move on. Because you spend more time at work than you do with your friends and family, it’s critical that you don’t dread going into the office. If you have tried to stick it out but can’t, think about what’s best for your future. The good news is that although things are rough, you do have employment which many job seekers don’t have while on the hunt. So, take your time finding the right new position so your next workplace is better than your current one. 23SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Wendy Moody Wendy Moody is a Senior Editor with CUInsight.com. Wendy works with the editorial team to help edit the content including current news, press releases, jobs and events. She keeps … Web: www.cuinsight.com Detailslast_img read more

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A time of healing and giving

first_imgAs I prepared to write a blog for today, my mind is focused on one thing…the tremendous devastation for our family, friends, and co-workers in the south.  My heart goes out to the people and the communities who have been affected by Hurricane Harvey.  And it’s not over for these amazing survivors, now it’s time to rebuild.  Rebuild their lives, rebuild their homes, and rebuild their communities.There have been such amazing stories of the many who have volunteered their time, energy and resources to assist those in need.  The love felt and outpouring of support from so many organizations and individuals has been tremendous, and I thank you!  It’s going to be a long haul, but together, we will get through this.We have received many inquiries from friends of the credit union industry about what might be done to help credit unions that have been effected by Hurricane Harvey. If you are interested, there are two ways you might be able to help.First, if you have specific resources you can make available to support business continuity or recovery efforts of credit unions, email DisasterNotification@cornerstoneleague.coop. The Cornerstone Credit Union League is building a list of suppliers that will be shared with credit unions effected by Hurricane Harvey. continue reading » 6SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

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December 17, 2020

FOMC starts 2-day meeting on rates today

first_img continue reading » 8SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr The Federal Open Market Committee (FOMC), the Federal Reserve’s monetary policy-setting arm, begins a two-day meeting today that is not expected to result in any interest-rate action but could signal the beginning of Fed balance-sheet reduction, according to NAFCU Vice President of Research and Chief Economist Curt Long.Long attributed the Fed’s potential rate-hike delay to low inflation numbers, though he noted the aftermath of Hurricanes Harvey and Irma could have wide-ranging economic effects. The FOMC indicated at the end of its last meeting that it would begin tapering the Fed’s balance sheet this month, which stands at roughly $4.4 trillion.The Fed built up its balance sheet during the Great Recession when, through quantitative easing, it bought large quantities of Treasury and mortgage bonds in an effort to boost the stand-still economy and credit markets. It would end this policy through the gradual reduction and eventual elimination of reinvestments of maturing bond returns to the Fed’s portfolio.last_img read more

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eClosing and buying a home: Technology’s role in closing on a mortgage

first_img 11SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr Technology is transforming everything; it is changing the way we communicate, the way we access goods and services, and even the way we purchase homes. Soon, more and more consumers may increasingly find themselves being offered technology that allows them to access, sign, and submit mortgage closing documents online. We believe that “eClosing” can leverage technology in the mortgage closing process by providing consumers with more time to review closing disclosures and transform the way consumers relate to the overwhelming process of closing on a home.When we asked consumers what they felt were the biggest issues associated with closing on a home loan, the most common statements we heard were:There is a lot paperwork to review at closingI’m having trouble knowing who can answer my questionThe whole process is painful and overwhelmingThe main goal of our research into the use of eClosing has been to better understand how technology could help reduce the prevalence of these issues. continue reading »last_img read more

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