NOT FOR REPRINT
Page Printed from: cutimes.com/commentary/?page=273
Even with interest rates at lows not seen since the 1950s; there has never been a better time to begin developing an improved portfolio structure. One that delivers consistent, competitive results now and as rates move back up. Yes, the Federal Reserve has lowered the Fed Funds rate 10 times...
It's dangerous to call turning points in long-term trends, but I'm going to go out on a limb. To wit, we are very likely in the last stage of a series of cyclical mortgage refinancing booms, which began in the early 1980s. This suggests that the mortgage market will be...
While much of the credit union community is buzzing about how many corporates will exist in five years, very few people seem to be focusing on the more important question of what happens to corporate credit unions after the dust settles. Many of the corporates are positioning themselves to be...
In October, the NCUA Board approved final revisions to Part 704, the regulation that governs corporate credit unions. The major changes in the regulation are in the areas of capital, credit concentrations, and credit risk. From corporates' perspective, the biggest accomplishments in the regulation include dramatic improvements in the following...
We live in an age of rapid technological advances that are continuously influencing the way we access and exchange information. Our use of the Internet, e-mail and new electronic devices condition us with a need for information on demand. Yet we find ourselves in line at the grocery store patiently...
When evaluating bill payment and home banking services, credit unions will be faced with two bill payment models, good funds and risk-based. While differing in how payments are made, both models are viable options that can be used to serve members effectively. Good Funds The good funds model can be...
While CUSOs wait for formal word from the SEC whether the agency will continue financial service CUSOs' license exemption under the Chubb Letter, now is a good time for credit unions to determine whether they will roll the CUSO's investment services back under the credit union's roof, or consider another...
Facilities are capitalized improvements that represent a significant portion of a credit union's operating budget. Even though depreciated, occupancy is a significant expense in a budget, generally just below personnel and information technology. Often, the facility is seen just as the home for staff and the place where members go...
The credit card portfolio debate gets more intense every week. Nearly every trade publication in recent months has included news about another organization planning to buy portfolios, another credit union selling their portfolio, or someone urging credit unions not to sell. With so many buyers and competition in the market,...
Vault access palm readers and ATM iris scanners. Welcome to the future of credit unions. Technology has delivered tools to the financial services industry that were once only imagined in the movies. As some credit unions blaze the technology trail installing futuristic gizmos and gadgets, how do you know what's...
From Elan Credit Card
A credit union’s ability to deliver the right products and services that best meet members’ daily needs is the most important factor in creating a superior member experience.
Download ResourceFrom Alogent
Enhance your credit union’s security with a comprehensive approach to check fraud mitigation. Discover how built-in capabilities safeguard both your organization and your members.
Download ResourceFrom Alogent
Learn how to empower small and medium business (SMB) account holders to address their specific needs, foster growth and attract new business.
Download ResourceFrom State National
By harnessing the power of data, credit unions can enhance their services, optimize operations, and better serve their members. Here are 9 FAQs and answers about using predictive data.
Download ResourceFrom State National
As economic experts scrutinize current data and trends, they predict that the path ahead is likely to have its share of obstacles. This white paper outlines strategies to monitor and navigate various risk factors impacting auto financing to better protect your credit union.
Download ResourceFrom Elan Credit Card
Social media scams, phishing, and telephone-oriented attack delivery are a few of the increasingly sophisticated attack methods by cybercriminals. Learn more about these evolving techniques and how to protect your members.
Download ResourceFrom Alogent
Download this white paper and learn how to achieve a consistent user experience, data control, and cost reductions in payments.
Download ResourceFrom Alogent
This info brief outlines important considerations and questions your team should take into account when evaluating a digital banking platform.
Download ResourceFrom Alogent
Download this white paper and learn how a software development kit (SDK) can help you meet your credit union’s digital banking goals by enabling custom alterations and augmenting an off-the-shelf product to meet specific goals without impacting the base product.
Download ResourceFrom Alogent
Download this white paper and learn how to achieve a consistent user experience, data control, and cost reductions in payments.
Download ResourceFrom Alogent
Credit unions have reached a fork in the road and find themselves pondering the same question -- does our digital banking solution still meet market needs, or is it time to consider an upgrade? Download this eBook to find out how your credit union can continue to meet member expectations.
Download ResourceFrom Alogent
Just as you’d recognize a loyal member when they walk into the branch, your digital banking platform should express the same familiarity as a friendly face. Download this eBook and learn how to bring a human touch to your digital member experiences in order to build member trust and loyalty.
Download ResourceFrom Alogent
Everyone talks about a seamless user journey and personalized banking services, but how does that become today’s reality for credit unions rather than just a goal? Download this white paper to find out how.
Download ResourceFrom Alogent
When selecting a digital banking platform, the questions you ask are critical and should tell your story. Many RFPs focus on features, functionality, and price, and although these are important points, consider asking more focused questions that align with your long-term strategy, such as the ones suggested in this white paper.
Download ResourceFrom Melissa
Did you know the risk for member turnover drops from 50% to 25% when a member has two or more products with your credit union?² This whitepaper outlines the critical role that clean data plays in helping your credit union retain and grow membership.
Download ResourceFrom GLIA
When it comes to your credit union’s contact center, Intelligent Virtual Assistants (IVAs) are essential but incomplete solutions for managing volume. Discover how to integrate IVAs into a broader digital member service strategy for maximum efficiency.
Download ResourceFrom Alacriti
Tap into the potential of real-time payments for small and medium-sized businesses (SMBs) and corporations. Discover insights and strategies on adoption rates, and opportunities for your credit union in this comprehensive report.
Download ResourceFrom Alacriti
Electronic Bill Presentment and Payment (EBPP) offers credit unions a number of benefits. Discover how to enhance member satisfaction, streamline payment processes, and more in this webinar brief.
Download ResourceFrom GLIA
These unmistakable signs indicate your credit union’s call center needs a modern overhaul. Stay ahead of the curve and elevate your member service experience today.
Download ResourceFrom Alacriti
Is your organization looking toward real-time payments to modernize your services? This brief discusses technology enablers for real-time payments, clearing rules and message specifications, and customer support challenges in a real-time environment.
Download ResourceFrom Mortgage Capital Trading
Unlock the potential for your credit union members by optimizing your investor set. Learn how to maximize profitability, offer better rates, and enhance your market share.
Download ResourceFrom Brightwell
Discover how Dash Solutions and Brightwell collaborated to revolutionize cross-border payments for rural workers using the Dash mobile app. Read the case study now!
Download ResourceFrom Elan Credit Card
Does the value outweigh the risk? Review three key considerations when evaluating whether to invest in growing an internal credit card program or explore an outsourced solution.
Download ResourceFrom Upstart
Explore how a credit union strategically adapted to economic changes, achieving higher returns, flexible loan volumes, and gaining over 1,500 creditworthy members in just one year through a transformative partnership.
Download ResourceFrom Greenlight
Amidst a shifting financial landscape, it’s never been more important to retain members and attract the next generation of customers. In this white paper, discover how offering family-centric financial education can empower parents to raise financially literate kids, fostering loyalty and growth for your credit union.
Download ResourceFrom Brightwell
Explore the intricacies of credit card fraud with this comprehensive article. Learn about the varying types of fraud attacks and scams, their unique challenges, and multi-layered approaches to protect your credit union and members.
Download ResourceFrom Alkami
In 2024, the financial industry is clearly facing a radical transformation, and these challenges are altering the landscape as we know it. This playbook explores the opportunities and challenges that lie ahead for credit unions and the financial industry. Use it as a guide to gain a competitive edge in this new landscape.
Download ResourceFrom Mortgage Capital Trading
2024 is in full swing and experts are here to inform, predict and guide you through all of your most pressing 2024 housing market questions. This whitepaper will help you gain clarity and clear up future predictions in regard to the most important topics in the housing market right now.
Download ResourceFrom Open Lending
This white paper offers credit unions a strategic advantage with insights for planning and exploring new opportunities in the evolving automotive financing landscape. Leverage this information to contribute to the long-term success and sustainability of your credit union in 2024.
Download ResourceFrom Elan Credit Card
Learn where consumers are applying for credit cards, what type of spenders they are, what features are most persuasive, and what smaller financial institutions should focus on to continue expanding their market share.
Download ResourceFrom Upstart
When Vantage West CU decided to prioritize a seamless digital experience and data-driven lending decisions, they knew the right partner was critical. Download this case study and discover how they diversified their loan portfolio, acquired 1400 new members in 6 months, and built in flexibility to withstand the economic cycles.
Download ResourceFrom Elan Credit Card
Customer payment expectations are shifting. Explore the top five merchant payments trends we’re watching in 2023 and learn how a partnership may help meet the needs of your members.
Download ResourceFrom Elan Credit Card
Nearly 33% of cardholders increased their credit card spending over the last six months, showing how critical credit cards are in today's economic environment.
Download ResourceFrom Elan Credit Card
Young adults are the future of your credit union. From college to home-buying, learn why credit cards are key to winning the loyalty of Gen Z and millennials.
Download ResourceFrom Elan Credit Card
With the current economic environment and rise in interest rates, credit unions may find the credit card market increasingly complex to operate internally. Learn why shifting from insourcing to outsourcing your credit card program can benefit your credit union.
Download ResourceFrom Elan Credit Card
A credit union’s ability to deliver the right products and services that best meet members’ daily needs is the most important factor in creating a superior member experience.
Download ResourceFrom Alogent
Enhance your credit union’s security with a comprehensive approach to check fraud mitigation. Discover how built-in capabilities safeguard both your organization and your members.
Download ResourceFrom Alogent
Learn how to empower small and medium business (SMB) account holders to address their specific needs, foster growth and attract new business.
Download ResourceFrom State National
By harnessing the power of data, credit unions can enhance their services, optimize operations, and better serve their members. Here are 9 FAQs and answers about using predictive data.
Download ResourceFrom State National
As economic experts scrutinize current data and trends, they predict that the path ahead is likely to have its share of obstacles. This white paper outlines strategies to monitor and navigate various risk factors impacting auto financing to better protect your credit union.
Download ResourceFrom Elan Credit Card
Social media scams, phishing, and telephone-oriented attack delivery are a few of the increasingly sophisticated attack methods by cybercriminals. Learn more about these evolving techniques and how to protect your members.
Download ResourceFrom Alogent
Download this white paper and learn how to achieve a consistent user experience, data control, and cost reductions in payments.
Download ResourceFrom Alogent
This info brief outlines important considerations and questions your team should take into account when evaluating a digital banking platform.
Download ResourceFrom Alogent
Download this white paper and learn how a software development kit (SDK) can help you meet your credit union’s digital banking goals by enabling custom alterations and augmenting an off-the-shelf product to meet specific goals without impacting the base product.
Download ResourceFrom Alogent
Download this white paper and learn how to achieve a consistent user experience, data control, and cost reductions in payments.
Download ResourceFrom Alogent
Credit unions have reached a fork in the road and find themselves pondering the same question -- does our digital banking solution still meet market needs, or is it time to consider an upgrade? Download this eBook to find out how your credit union can continue to meet member expectations.
Download ResourceFrom Alogent
Just as you’d recognize a loyal member when they walk into the branch, your digital banking platform should express the same familiarity as a friendly face. Download this eBook and learn how to bring a human touch to your digital member experiences in order to build member trust and loyalty.
Download ResourceFrom Alogent
Everyone talks about a seamless user journey and personalized banking services, but how does that become today’s reality for credit unions rather than just a goal? Download this white paper to find out how.
Download ResourceFrom Alogent
When selecting a digital banking platform, the questions you ask are critical and should tell your story. Many RFPs focus on features, functionality, and price, and although these are important points, consider asking more focused questions that align with your long-term strategy, such as the ones suggested in this white paper.
Download ResourceFrom Melissa
Did you know the risk for member turnover drops from 50% to 25% when a member has two or more products with your credit union?² This whitepaper outlines the critical role that clean data plays in helping your credit union retain and grow membership.
Download ResourceFrom GLIA
When it comes to your credit union’s contact center, Intelligent Virtual Assistants (IVAs) are essential but incomplete solutions for managing volume. Discover how to integrate IVAs into a broader digital member service strategy for maximum efficiency.
Download ResourceFrom Alacriti
Tap into the potential of real-time payments for small and medium-sized businesses (SMBs) and corporations. Discover insights and strategies on adoption rates, and opportunities for your credit union in this comprehensive report.
Download ResourceFrom Alacriti
Electronic Bill Presentment and Payment (EBPP) offers credit unions a number of benefits. Discover how to enhance member satisfaction, streamline payment processes, and more in this webinar brief.
Download ResourceFrom GLIA
These unmistakable signs indicate your credit union’s call center needs a modern overhaul. Stay ahead of the curve and elevate your member service experience today.
Download ResourceFrom Alacriti
Is your organization looking toward real-time payments to modernize your services? This brief discusses technology enablers for real-time payments, clearing rules and message specifications, and customer support challenges in a real-time environment.
Download ResourceFrom Mortgage Capital Trading
Unlock the potential for your credit union members by optimizing your investor set. Learn how to maximize profitability, offer better rates, and enhance your market share.
Download ResourceFrom Brightwell
Discover how Dash Solutions and Brightwell collaborated to revolutionize cross-border payments for rural workers using the Dash mobile app. Read the case study now!
Download ResourceFrom Elan Credit Card
Does the value outweigh the risk? Review three key considerations when evaluating whether to invest in growing an internal credit card program or explore an outsourced solution.
Download ResourceFrom Upstart
Explore how a credit union strategically adapted to economic changes, achieving higher returns, flexible loan volumes, and gaining over 1,500 creditworthy members in just one year through a transformative partnership.
Download ResourceFrom Greenlight
Amidst a shifting financial landscape, it’s never been more important to retain members and attract the next generation of customers. In this white paper, discover how offering family-centric financial education can empower parents to raise financially literate kids, fostering loyalty and growth for your credit union.
Download ResourceFrom Brightwell
Explore the intricacies of credit card fraud with this comprehensive article. Learn about the varying types of fraud attacks and scams, their unique challenges, and multi-layered approaches to protect your credit union and members.
Download ResourceFrom Alkami
In 2024, the financial industry is clearly facing a radical transformation, and these challenges are altering the landscape as we know it. This playbook explores the opportunities and challenges that lie ahead for credit unions and the financial industry. Use it as a guide to gain a competitive edge in this new landscape.
Download ResourceFrom Mortgage Capital Trading
2024 is in full swing and experts are here to inform, predict and guide you through all of your most pressing 2024 housing market questions. This whitepaper will help you gain clarity and clear up future predictions in regard to the most important topics in the housing market right now.
Download ResourceFrom Open Lending
This white paper offers credit unions a strategic advantage with insights for planning and exploring new opportunities in the evolving automotive financing landscape. Leverage this information to contribute to the long-term success and sustainability of your credit union in 2024.
Download ResourceFrom Elan Credit Card
Learn where consumers are applying for credit cards, what type of spenders they are, what features are most persuasive, and what smaller financial institutions should focus on to continue expanding their market share.
Download ResourceFrom Upstart
When Vantage West CU decided to prioritize a seamless digital experience and data-driven lending decisions, they knew the right partner was critical. Download this case study and discover how they diversified their loan portfolio, acquired 1400 new members in 6 months, and built in flexibility to withstand the economic cycles.
Download ResourceFrom Elan Credit Card
Customer payment expectations are shifting. Explore the top five merchant payments trends we’re watching in 2023 and learn how a partnership may help meet the needs of your members.
Download ResourceFrom Elan Credit Card
Nearly 33% of cardholders increased their credit card spending over the last six months, showing how critical credit cards are in today's economic environment.
Download ResourceFrom Elan Credit Card
Young adults are the future of your credit union. From college to home-buying, learn why credit cards are key to winning the loyalty of Gen Z and millennials.
Download ResourceFrom Elan Credit Card
With the current economic environment and rise in interest rates, credit unions may find the credit card market increasingly complex to operate internally. Learn why shifting from insourcing to outsourcing your credit card program can benefit your credit union.
Download ResourceFrom Elan Credit Card
A credit union’s ability to deliver the right products and services that best meet members’ daily needs is the most important factor in creating a superior member experience.
Download ResourceAlready have an account? Sign In Now