Ability to Pay Rules for Credit Cards
by Bernadette Clair I hope everyone enjoyed the holiday weekend! Now, it’s back to the grind… Earlier this month, my colleague JiJi blogged about the CFPB’s final ruleamending ...
The latest from Randall Smith
How Strong BCP Can Make Your Core Converstion Easier
by Royce Yeager It used to be said that core conversions (or “migrations” if you want to use a less adrenaline -producing word) were like open heart surgery. Only the ...
Does Fee Income Hedge Banks And Credit Unions From Spread Swings?
by Jeff Marsico The drum is starting to beat again for fee income in the minds of banking executives and in financial institution strategy sessions. This week I heard “hedge” ...
Why Do Signature Cards Still Exist?
by Melanie Friedrichs In Chapter 5 of Bank 3.0, Brett King briefly outlines the primary challenges to making easy to apply for accounts and loans online: “In some instances, ...
Credit Unions and Social Media: What’s Your Policy?
By Douglas Hattaway According to a 2012 poll by CUNA Mutual Group, 94% of credit unions are investing time and money in Facebook as part of their marketing strategy, and ...
2 Ways Analytics Maximize Your Credit Union’s Digital Marketing Impact
by Wilson Raj, Global Customer Intelligence Director, SAS Institute Inc. In the last decade, CMOs have made great strides in elevating their stature. According to the latest SpencerStuart survey, CMO ...
Why The World Just Got Smaller…
by Sean McDonald …for me. I just spent two days in Madison, WI working with the World Council of Credit Unions on a project designed to help credit unions attract ...
Comprehensive Data: Mother Lode Waiting to Be Mined
by Carl Meiswinkel From tracking loan payments to uploading information from loan applications, all credit unions use data. But are we using it effectively or does it just seem like ...