The latest from Shana Richardson

Sep 27, 2018 - by Shana Richardson, Ser Tech

Don’t let CECL catch you off guard

Credit unions and community banks have an extra year to comply with CECL, Current Expected Credit Losses, compared to financial institutions registered with the Securities and Exchange Commission. Financial institutions ...

Jun 29, 2017 - by Shana Richardson, Ser Tech

I’m sick of fintech taking credit union business

The Fintech revolution has been around for a while now, so why hasn’t the CU industry reskinned their model to remain competitive? Credit unions have been playing a game ...

Jun 1, 2017 - by Shana Richardson, Ser Tech

College debt is a dream killer

I had dinner with a friend and colleague last night. We talked about what is top of mind for both of us—in my case, that includes college debt.  My ...

Apr 25, 2017 - by Shana Richardson, Ser Tech

Direct marketing still works in an electronic world

There’s no denying that the world has dramatically shifted toward electronic communication, so many people wonder if direct marketing still works. The answer is a resounding yes, mainly because ...

Mar 30, 2017 - by Shana Richardson, Ser Tech

The high cost of poor credit

Bad credit is an expensive burden that can cost credit union members much more than a low FICO® Score.  Bad credit doesn’t just affect members’ loans; it actually branches ...