Credit Union Geek

Serving Credit Union Members Best – Auto Loans (Part 3)

Credit Union Geek

Welcome to Part 3 of what became the Unseen Credit Union Competition series. The first part highlighted what members receive in the mail from not-to-your-standards protection services. Did they know you could help them more effectively, at a lower cost? Then we saw “A Credit Union Member Walks Into a Car Dealership…” This revealed the […]. The post Serving Credit Union Members Best – Auto Loans (Part 3) appeared first on Credit Union Geek.

Apple Reinvents (Improves?) the Credit Card

Credit Union Geek

Today, Apple held their seasonal keynote event, to highlight new services in a range of categories. You may get a kick out of their Apple TV+ lineup. Maybe you’re stoked about reading all your magazines on your iPhone with Apple News+. But you’re here for Apple Pay improvements.

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Your Members Want Simple

Credit Union Geek

I love choices. I’m the kind of person who rotates between five brands of orange juice (I live in Florida and this is a perfectly normal thing here). As a tech geek, I also dive into Settings menus on all products to see what I can personalize, edit, or tweak. But even for me, a […].

LOL, Emoji, Checking Promotion: Texting As Credit Union Member Engagement?

Credit Union Geek

Originally published on CUInsight.com How do you connect with members? Phone? E-mail? In-person? Carrier pigeon? Each have their drawbacks, especially the pigeons, since they’re extinct. Who answers their phone anymore, and we all get so much e-mail, standing out is challenging.

Is Your Credit Union Sending Members the Wrong Message?

Credit Union Geek

Originally published on CUInsight.com This post might not be for you. Or, it could be exactly what you and your credit union team need. Inspired By: Someone Else’s Faux Pas I’ll be honest; the inspiration came from a local chamber of commerce, not credit union.

Giving Back Has ROI, Too

Credit Union Geek

Originally published on CUInsight.com Does your credit union give back? That’s a silly question. But does your community support program intricately tie in with member engagement? A friend of mine used to work for the local chapter of the American Heart Association.

Whew, EMV Is Here. And Now We’re Doing Contactless?

Credit Union Geek

This began as a comment to the article “What Will the Arrival of Contactless Payments Bring?” I aim to dive a bit deeper into my positions within the confines of a full post. Since this affects you, credit union staff (and member), I’d really like to hear your thoughts.

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My Ultimate Guide To Helping Members In Distress (Audio Post)

Credit Union Geek

When things go wrong with computers, they always seem to go big. I bet you have some repressed memories of digital challenges. Given I have had a computer on my desk since I was 5, there are many I definitely blocked out by now. But this post isn’t about the computer portion.

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Passwords. An Update.

Credit Union Geek

Originally published on CUInsight.com It’s a topic you’ve seen here before. Time and again. Of course, it’s still pertinent since we keep using them. Passwords are a bane of the tech world.

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Immersed in immersion18

Credit Union Geek

What’s better than blue-green waves lapping on a sandy beach? Experiencing it all with a dedicated group of credit union professionals! I’m here on Ft.

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This ICU Day, Let’s Aim for Engagement!

Credit Union Geek

I’m a huge fan of the credit union mission and all it contributes to our communities. You’d know that if you’ve read more than a few lines of any previous post. Of course, you’d also know that I’m not afraid to call out things when they could be improved. On that note, I have just […].

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ID Theft Protection. Credit Union Members. Your Responsibility.

Credit Union Geek

This article is adapted from my company’s Learning Library, a source of honest insights on a range of industry challenges, products, and opportunities. It’s an estimated 13 minute read. There are two reasons why I’m cool with sharing this article here: I wrote the original.

The 3 Challenges Any Effort Must Overcome

Credit Union Geek

This post began as I considered technologies emerging within the financial space. From chatbots to mobile app improvements, I don’t have to explain all the emerging…stuff.

Why Net Neutrality Matters To Credit Unions

Credit Union Geek

You may have read something online about Net Neutrality. Or, your techie friend insisted you submit a comment to the FCC about it. “The fate of the Internet rests on our speaking out!”, ”, or something along those lines.

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Shifting Baselines & Your Credit Union

Credit Union Geek

Originally published on CUInsight.com. Ever visit someplace from childhood and think, “wow, I remember it being bigger”? Go back a few times or ask your kids (who are there for the first time) and all seems normal. You’ve just experienced Shifting Baselines. Think of it as a change in the perception of normal. I’m not […]. The post Shifting Baselines & Your Credit Union appeared first on Credit Union Geek.

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Zero UI: What It Is and Why It Matters to Your Credit Union.

Credit Union Geek

Originally published on CUInsight.com I want you to share a piece of information. Anything. There’s only one catch: You have to do it using only your voice. Pretty easy, right? Thank millions of years of evolution (and a unique amino acid order in a specific gene) for its silent help.

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Is Selling In Your Credit Union Culture?

Credit Union Geek

“We’re a service organization, not a sales culture.” ” I’ve heard those words from a number of credit unions. Too bad they’re wrong. Put down the pitchforks and torches! Please, at least for a moment!

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Your Members Hate Keeping You In Business

Credit Union Geek

“Free is the greatest product never sold.” – Me, just now Did I just come up with some crazy insight? Who knows. I just heard quotes at the beginning of an article lead some to get “hooked” and continue reading. You’re reading. Back on topic, what do you offer for free at your credit […].

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A Mission You Can Bank On

Credit Union Geek

Originally published on CUInsight.com A recent post, Giving Back Has ROI, Too, linked your charitable efforts with your growth strategy. You can do the most for all parties when your “good” aligns with your mission.

Different Credit Unions For Different Members

Credit Union Geek

“Our members are different” might actually be true. However, it’s for different reasons than cited. Most people react similarly to good marketing and smooth user interface design.

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The Pizza Place Incident

Credit Union Geek

Originally published on CUInsight.com This post highlights what I’ve come to call, “The Pizza Place Incident” In reality, it was nowhere near as exciting as the title implies. Or was it? (Cue Cue dramatic chipmunk) Here’s how it’s going to work.

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Creating CUs of Tomorrow…Today

Credit Union Geek

The inaugural CU Tomorrow conference technically ran for three days. Unlike most, it started with the cocktail hour! Now that’s already different! And, a great way to stimulate initial conversations) That went just so well, you wouldn’t believe how well it went. Ok, you got me. My flight was delayed and I missed it. So […]. The post Creating CUs of Tomorrow…Today appeared first on Credit Union Geek.

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Your Mission Demands It

Credit Union Geek

Originally published on CUInsight.com Why does your credit union exist? Go ahead and think about it for a moment. I’ll wait. Is it to provide safe storage and management of your members’ money? To help those in troubled financial situations?

How Would You Rate This Experience? (Part 2)

Credit Union Geek

This is a continuation of 3 Ways To Ensure Your Customer Service Doesn’t Suck. Every interaction with your members results in one of three ratings: Exceed expectations. Impress) Meet expectations. Satisfy) Miss expectations. Disappoint) Like you, I’m all about exceeding expectations.

Plaid Among Fintechs You’ve Never Heard Of But Changing Banking

Credit Union Geek

No, I’m not talking about the clothing pattern. Plaid is a Fintech startup which just announced a Series C funding round of $250 million. That gives them a valuation of $2.65B. Yes, billion. Chances are, 25% of your credit union members are using their service without even knowing. And Plaid isn’t alone, either in ubiquity or […]. The post Plaid Among Fintechs You’ve Never Heard Of But Changing Banking appeared first on Credit Union Geek.

Member Relationships Which Could Be

Credit Union Geek

Originally published on CUInsight.com This is part of the “CU That Could Be” series. You pride yourself on amazing member service. If anyone has an issue, your entire team is equipped to handle it promptly, politely, and with a minimum of effort for everyone.

Picking Up Pennies For Marketing?

Credit Union Geek

When was the last time you came up with a truly unique marketing effort? Let’s back up a bit. Your credit union is always looking for new creatives to promote various services. Really, how many ways can you suggest opening a checking account?

Unseen Credit Union Competition: “Respond Immediately!”

Credit Union Geek

Credit unions aren’t just “cheaper banks”, nor are they “banks owned by the people” They’re unique community institutions. At least, I still believe this. Do you? This article dives into what happens after a member closes a loan (auto or mortgage) with you. Specifically, we look at the solicitations they receive. And what your role […]. The post Unseen Credit Union Competition: “Respond Immediately!”

immersion18: Empowering CUs of Tomorrow, Today

Credit Union Geek

Be sure to read my on-site roundup of conference happenings as a prelude to this article. Additionally, look back to May 10 on my Twitter feed to see live contributions. They have hammocks on the beach?” asked one attendee, as another gleefully nodded. They made it to future sessions, worry not.

The CU That Could Be

Credit Union Geek

Originally published on CUInsight. Think of all the greatest parts of your credit union. You know, the things which stick out in comparison to the entire industry. If none come to mind, look to others you have recognized for their leadership.

A Little Intelligence On Artificial Intelligence

Credit Union Geek

A few months back, I shared my first audio post. It was incredibly well received. In that I enjoyed it and other people (probably) listened to it. With such a successful start, how could I go wrong returning to the medium? I read a lot of industry publications. Probably too many.

Who’s Your BS Director?

Credit Union Geek

Originally published on CUInsight.com It’s a requirement of every organization. They’re among the most important roles, ensuring all operations proceed smoothly! Wait, why do you keep looking at me like that? What is it? You know what it means. Oh, you’re thinking of that meaning. No wonder you’re so flustered! BS is short for better […]. The post Who’s Your BS Director? appeared first on Credit Union Geek.

Are You A Dumb Bank? (Part 4ish)

Credit Union Geek

Originally published on CUInsight.com This is a spiritual continuation of a series from a while back, titled Are You A Dumb Pipe. The idea is related; read on to understand how.

Ransomware. What is it and should you be concerned?

Credit Union Geek

If you’ve been keeping an eye on cybersecurity or computer safety news lately, there is a good chance the term ransomware has crossed your vision. So we’ve got phishing (not the band), malware, viruses, worms, and now ransomware?

It’s About The Members, Remember? (Payday Lending)

Credit Union Geek

Update 8/31/18: A reader graciously made me aware of an NCUA program empowering credit unions to provide payday lending alternatives. It is used by a bit over 500 credit unions and discussion is invited from institutions on how to evolve it in the future. See more direct from NCUA. Looks like a great opportunity to […]. The post It’s About The Members, Remember? Payday Lending) appeared first on Credit Union Geek. Articles "Dory I'm a little fella.

There Are Two Peoples – Part 1

Credit Union Geek

No, I’m not talking about the enormous political divide. Nor am I speaking on racial tensions. These are both important issues which we need to find common ground. For today, let’s look at something else separating this country (and elsewhere). And I’m betting you never considered it before. Technology. This isn’t a discussion on the […]. The post There Are Two Peoples – Part 1 appeared first on Credit Union Geek. Articles automation connected divide do you still have dial-up?

Doing The Least Possible to Minimize Card Fraud

Credit Union Geek

This CUbit is a bit different. It’s meant to be heard, rather than read. Because why not? Here’s a primer: Card fraud. Up close and personal. With a topping of, “not my department” What are your experiences? How do you like the audio format? Share in the comments below!

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How a crying baby can help you serve your members

Credit Union Geek

Originally published on CUInsight.com A few weeks ago, old friends were kind enough to host me for a short vacation. The deal was that I help entertain their kids (1 and 3). In the words of my friend, “every kid should have an Uncle Joe”. While I was explaining the physics of rocketry to a […].

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Are You Bluetooth Or WiFi? Why Not Be Both! (Part 2)

Credit Union Geek

When this blog was much younger, I shared a post asking if you were Bluetooth or WiFi. The premise was simple: Bluetooth represented slower and small-scale, with the added benefit of low-energy. You could make numerous connections nearby and interact with them all seamlessly.

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“I am Groot. I am Groot…I AM GROOT!”

Credit Union Geek

Originally published on CUInsight.com By now, every tree, raccoon, and 80s-mixtape loving space traveler has seen the newest Guardians of the Galaxy. And, if by some chance, you missed that ship as it soared past, explosions trailing in its wake, then I’ll lay off the spoilers. They’re fun movies. Go watch. One character became everyone’s […]. The post “I am Groot. I am Groot…I AM GROOT!” ” appeared first on Credit Union Geek.

Data Security: Car Edition. Really.

Credit Union Geek

Originally published on CUInsight.com When you hear “data security”, what comes to mind? Your laptop? Phone? Internet of Things “smart” oven? (I’d I’d hate to let a hacker know how badly I burnt that casserole) Anything else? How about your computer on wheels? Modern cars are rolling supercomputers.

If Your AI Is Only For Chatting, You’re Doing It Wrong

Credit Union Geek

“Ask Our Friendly AI!” ” Your credit union’s website is excitedly promoting their new chat bot, there to answer questions 24/7. “Cool, so how can it help me save money or time?” ” Whether they admit it or not, that’s what your members will be thinking. In some cases, such tech is fielding member requests without burdening […]. The post If Your AI Is Only For Chatting, You’re Doing It Wrong appeared first on Credit Union Geek.

Why My Credit Union Is No Longer My PFI

Credit Union Geek

A few months ago, I slipped a mention of my own credit union relationship. My CU of many years was no longer my PFI. Banking shouldn’t be an exercise in compromises and hassles, yet that was what it had become.