Leading up to the Thanksgiving holiday, CU Times readers found time to weigh in on topics including revenue growth, bankers' business loan losses and President-elect Donald Trump's tweets. Here's what they had to say.
"Fintech Alliances Could Help Credit Unions," Nov. 6
We've been partnering with credit unions since 2009. Fintech is not to be feared; it is to be embraced. Together, we can build the high-tech, high-touch experience the industry touted back in the 1990s.
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Bryan Clagett
CMO, Geezeo
"Cashback vs. Loyalty Points; Which Do Consumers Prefer?" Nov. 14
From the consumer side, cash is king. I'd prefer money vs. having to spend points on items with prices jacked up 200% over the cost in a store or online.For a CU, the issue is not every member redeems points. Many expire. But, with a cashback program the redemption rate is 100%.
BillyBobJim
"Bankers: We're Losing Business Loans to Credit Unions," Nov. 18
The banks turned their backs on small businesses about 20 years ago. So, stop whining. Credit unions are now doing the job banks should have done.
WVF
… and banks don't want to do the majority of those loans. There, helped finish the article for ya.
BillyBobJim
"Credit Union Members Shunning Café-Style Branches, Full Automation: Study," Nov. 18
I have never understood the whole café trend. If I want coffee and a newspaper I'll go to Starbucks. Ninety-nine percent of people coming into a branch to make a deposit or withdrawal just want to get in and out quickly.
BillyBobJim
"7 Critical Changes Driving Fintech Evolution: McKinsey," Nov. 18
The critical change that is driving today's fintech economy is the perception that finance can be done in a different way, and in such a way that can serve bigger masses with increased trust.
Daniel Berger
"Trumptwittergeddon: Social Media Breeds a Warped Version of News," Nov. 23
Sure, live events may be more "factual" but social media "news" needs to be vetted. So many fake stories circled around Facebook that they are looking at ways to prevent it from spreading. That is saying a lot.
James Stock
"Real Estate, Insurance Income Grows at Credit Unions: Infographic," Nov. 25
This shows the impact of lower interest rates and the lack of smaller credit unions capturing noninterest income. The NCUA has forced small shops to concentrate on cutting costs when the solution is to increase income.
GSCUConsulting
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