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Know What You See with Brian Lowery
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National Geographic photographer and conservationist Jaime Rojo has spent decades capturing the beauty and fragility of the monarch butterfly. Their epic migration is one of nature’s most breathtaking spectacles, but their survival is under threat. In this episode, Jaime shares how his passion for photography and conservation led him to document the monarchs’ journey. He and host Brian Lowery discuss the deeper story behind his award-winning images, one about resilience, connection, and the urgent need to protect our natural world. See Jaime's story on the monarch butterflies at his website: rojovisuals.com , and follow Brian Lowery at knowwhatyousee.com .…
Filene Fill-In Ep. 75: Out of the Comfort Zone with Randy Stolp, Filene i3 Wave 17
Manage episode 321280080 series 1206040
Contenido proporcionado por Filene Research Institute. Todo el contenido del podcast, incluidos episodios, gráficos y descripciones de podcast, lo carga y proporciona directamente Filene Research Institute o su socio de plataforma de podcast. Si cree que alguien está utilizando su trabajo protegido por derechos de autor sin su permiso, puede seguir el proceso descrito aquí https://es.player.fm/legal.
Let’s take a trip back in time to big.bright.minds 2021 where we ran into a very enthusiastic supporter of the Filene i3 program – Randy Stolp. Now, Randy promised he had a very unique and interesting story about how he came to be part of i3 and he definitely delivered. But before we get to that…let’s look back in time again, this time if we look ALL the way back in history, we see the organizations that implement innovations are the ones that succeed. But to be that kind of organization, we need to grow and develop innovative people. This is exactly what Randy is doing, and he serves as a model for not only how organizations can develop their people but how individuals can take hold of their own destiny, push out of their comfort zone and get there even faster. Filene’s latest edition of The Asterisk magazine is all about Innovation & Incubation. For more on innovating out of the comfort zone, check out The Asterisk Vol. 9 on Filene’s website at filene.org/theasterisk. In it, you will learn how Filene Fellow Dr. Jeffrey Robinson of our Center for Innovation & Incubation defines innovation. He says that “innovation is really applied creativity and that it’s nice to have ideas but turning them into practices, products or approaches that improve upon something else is really what innovation is about. If you know much about the i3 program, you know that it is comprised of the industry’s most innovative leaders, so this episode is dedicated to the ones that push boundaries and expand their comfort zones. The secret sauce of Filene’s recipe for innovation is not just talking about ideas but rather taking them to the next step-- into incubation and maybe even, if they prove worthy, into implementation. Dr. Robinson works with all sorts of organizations from start ups to fortune 500s and he reminds us that credit unions will need to focus on innovation within their organizations to remain competitive. He’s never been subtle about his point: if we don’t innovate, we die. This may be true – and Chief Information Officer Randy Stolp from My Community Credit Union is doing something about that…here’s his story.
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82 episodios
Manage episode 321280080 series 1206040
Contenido proporcionado por Filene Research Institute. Todo el contenido del podcast, incluidos episodios, gráficos y descripciones de podcast, lo carga y proporciona directamente Filene Research Institute o su socio de plataforma de podcast. Si cree que alguien está utilizando su trabajo protegido por derechos de autor sin su permiso, puede seguir el proceso descrito aquí https://es.player.fm/legal.
Let’s take a trip back in time to big.bright.minds 2021 where we ran into a very enthusiastic supporter of the Filene i3 program – Randy Stolp. Now, Randy promised he had a very unique and interesting story about how he came to be part of i3 and he definitely delivered. But before we get to that…let’s look back in time again, this time if we look ALL the way back in history, we see the organizations that implement innovations are the ones that succeed. But to be that kind of organization, we need to grow and develop innovative people. This is exactly what Randy is doing, and he serves as a model for not only how organizations can develop their people but how individuals can take hold of their own destiny, push out of their comfort zone and get there even faster. Filene’s latest edition of The Asterisk magazine is all about Innovation & Incubation. For more on innovating out of the comfort zone, check out The Asterisk Vol. 9 on Filene’s website at filene.org/theasterisk. In it, you will learn how Filene Fellow Dr. Jeffrey Robinson of our Center for Innovation & Incubation defines innovation. He says that “innovation is really applied creativity and that it’s nice to have ideas but turning them into practices, products or approaches that improve upon something else is really what innovation is about. If you know much about the i3 program, you know that it is comprised of the industry’s most innovative leaders, so this episode is dedicated to the ones that push boundaries and expand their comfort zones. The secret sauce of Filene’s recipe for innovation is not just talking about ideas but rather taking them to the next step-- into incubation and maybe even, if they prove worthy, into implementation. Dr. Robinson works with all sorts of organizations from start ups to fortune 500s and he reminds us that credit unions will need to focus on innovation within their organizations to remain competitive. He’s never been subtle about his point: if we don’t innovate, we die. This may be true – and Chief Information Officer Randy Stolp from My Community Credit Union is doing something about that…here’s his story.
…
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×You know their names, ages, incomes and balances…but does that tell you who your members are? Does it tell you their motivations? How about actionable insights for helping meet their needs in the way that works best for them? It's no surprise that people with similar demographics can exhibit vastly different consumer behaviors... But a couple of strategy and marketing leaders in today’s episode believe Filene’s new segmentation model could be revolutionary for credit unions. In this episode, Filene’s Taylor Nelms guides a conversation with the credit union early adopters of Filene’s Member Voice segmentation tool. We’ll hear from Tricia Beeker, Vice President of Marketing and Lisa Warlick, Manager of Marketing Analytics at Truliant Federal Credit Union, as well as Ryan Zilker, Chief Strategy and Marketing Officer at Sound Credit Union. They'll share candid insights from their journey with Member Voice, revealing how it's shaping their strategies and integrating with their operations. A key takeaway they've shared is the realization that readiness isn't a prerequisite for starting with Member Voice. Instead, it's a tool that prepares them for the future, sparking ideas and opportunities they couldn't have anticipated. You’ll also soon hear how the power of collaboration is helping them as they go through this segmentation work together -- each with their own unique set of goals, strategies and outcomes for it. They’ve only got one question for you – why wouldn’t you want this information at your fingertips?! Stay tuned as we dive into their experiences and learnings, right here on The Filene Fill-In.…
"One transition I’m really interested in is the transition from incarceration to entry back into society. The criminal legal system has an enormous impact on peoples’ lives but it’s one that financial institutions don’t seem to think much about." We have a special discussion for our listeners today as we hand over the reigns to our Filene Fellow for the Center of Excellence for Consumer Financial Lives in Transition, Lisa Servon. Lisa is joined by one of her co-researchers Jamila Harris who is an author and criminal justice advocate for women, to talk about a project they have worked on for the past few years, how they got interested in this work, and the implications this research has for credit unions and communities they serve.…
Today’s episode is very special – we have a guest on that is well known in the financial world from a national media stage -- and we are unpacking everything about a new, highly valuable Filene member benefit offered through a new partnership between Filene and HerMoney. Jean Chatzky is a former financial editor of NBC’s TODAY Show, bestselling author, award-winning personal finance journalist and advisor to major media companies & financial firms across the country. The company Jean founded, called HerMoney, makes one of the country’s leading taboos – talking about money-- more accessible, educational and fun, because of how they have figured out how to meet people where they are with the financial content they want. Helping people connect, learn and take action on their finances with confidence is the winning strategy that enabled the company to gain more than 550,000 followers on social media, more than 250,000 podcast listens a month, 2 million annual website visitors, and more than 100,000 newsletter subscribers. By partnering with Filene, HerMoney is bringing that same high-quality financial education content and customizing it for credit unions to personalize and share directly with their members every month. The goal of this effort is twofold – make life easier for every credit union marketing professional with a full plate, and to enable credit unions to engage members where they are while being more effective in their work to improve consumer financial well-being.…
Sarah Lietz, Chief Experience Officer, MDC and Christie Kimbell, Chief Product Officer, Filene Research Institute provide insights and updates on what is happening in the most innovative pockets of the credit union and financial services space today and how growth-minded leaders can take advantage of innovative ideas to gain a new POV in 2023. In this episode, we dig into their decades of exploration into learning, growing and keeping up with innovation personally, professional and organizationally. Here are a few highlights on the insights they share: Tip 1 – it’s okay to have help when things are overwhelming -- credit unions swim in a collaborative community and innovation support is out there for you if you want it. Our networks are our secret weapons to make our work better, faster and easier. Tip 2 – it’s a mindset flip to move to thinking about your services embedded into experiences instead of spaces. Start envisioning your financial products serving moments. Tip 3 – jump in and explore something you know nothing about, maybe it’s the Metaverse, maybe its NFTs. We all look funny high-fiving air from the outsiders POV but you can guarantee you’ll come out knowing more than when you went in. Tip 4 – if you want to learn without being overwhelmed, find the ones that have expertise or at least something thought provoking to say about the ideas or concepts you want to explore. (This is how Christie and Sarah have become podcasting experts!) Tip 5 – The key to being a learning organization is to be diligent about finding time and space to think and strategize. In a world where strategy is built in minutes, give yourself and your teams responsible for strategy the time they need to think it through.…
Today’s conversation is about Financial Well Being… well actually to be more specific, financial well being for all. For a substantial portion of households, day-to-day financial struggles remain profound in the face of persistent financial fragility and inequity. According to the Financial Health Network’s U.S. Financial Health Pulse, 2 out of 3 Americans are not financially healthy and stark disparities remain across gender, race/ethnicity, and income. This is not new information, and it is frustrating to feel like this persistent problem will only continue to persist or worsen in today’s social, economic and political environment. But there are things that credit unions can do and are doing to make a difference in people’s lives, one member at a time. Putting this consumer sentiment at the center of credit union decision-making and product and service delivery not only supports a credit union’s business goals and mission around advancing financial health and well-being through responsible lending products, higher savings rates, and financial education – but it also helps credit unions navigate supercharged digital transformation in a financial industry where fintechs have completely changed the competitive landscape. Today's expert is Michelle Christie, Senior Manager, Financial Inclusion and Impact, at the National Credit Union Foundation—she brings a wealth of knowledge and boots on the ground tangible experience on how credit union are, and can continue to, advance financial well-being for all whom they serve. Follow along with this interview by downloading the guide we reference at filene.org/557…
Today’s conversation is about innovation. I know, right. Innovation this, innovation that, everyone is saying the word innovation so much, it's like the center square on a corporate jargon bingo card. But here’s the thing: Jeffrey Robinson, Fellow for Filene’s Center of Excellence for Innovation and Incubation tells credit unions “If we don’t innovate, we die.” So, if it’s here to stay, and we do have to innovate – not just say that we are innovating -- what does that actually look like? We put that question out to our most innovative credit union connections, the members of our i3 program. Earlier this year, they were tasked to scan the entire credit union environment and bring back the best innovations they saw happening. In the end, 36 i3ers on 8 teams picked their best finds and put them to the test. They presented on why what they found was the most innovative thing around and we asked you all to vote. After more than 1200 votes were cast, one innovation had the most votes – nearly 40% of the votes, in fact. That innovation? Bank Dora. So in today’s episode we have Alaina Froton and Jeff Medeiros from Dora to tell us all about what Bank Dora is, why it is the embodiment of innovation, and how it is helping the credit union industry grow, thrive, and stay alive. Let’s get to it……
Let’s take a trip back in time to big.bright.minds 2021 where we ran into a very enthusiastic supporter of the Filene i3 program – Randy Stolp. Now, Randy promised he had a very unique and interesting story about how he came to be part of i3 and he definitely delivered. But before we get to that…let’s look back in time again, this time if we look ALL the way back in history, we see the organizations that implement innovations are the ones that succeed. But to be that kind of organization, we need to grow and develop innovative people. This is exactly what Randy is doing, and he serves as a model for not only how organizations can develop their people but how individuals can take hold of their own destiny, push out of their comfort zone and get there even faster. Filene’s latest edition of The Asterisk magazine is all about Innovation & Incubation. For more on innovating out of the comfort zone, check out The Asterisk Vol. 9 on Filene’s website at filene.org/theasterisk. In it, you will learn how Filene Fellow Dr. Jeffrey Robinson of our Center for Innovation & Incubation defines innovation. He says that “innovation is really applied creativity and that it’s nice to have ideas but turning them into practices, products or approaches that improve upon something else is really what innovation is about. If you know much about the i3 program, you know that it is comprised of the industry’s most innovative leaders, so this episode is dedicated to the ones that push boundaries and expand their comfort zones. The secret sauce of Filene’s recipe for innovation is not just talking about ideas but rather taking them to the next step-- into incubation and maybe even, if they prove worthy, into implementation. Dr. Robinson works with all sorts of organizations from start ups to fortune 500s and he reminds us that credit unions will need to focus on innovation within their organizations to remain competitive. He’s never been subtle about his point: if we don’t innovate, we die. This may be true – and Chief Information Officer Randy Stolp from My Community Credit Union is doing something about that…here’s his story.…
Today’s conversation is one you’ve likely thought about before if you work in the credit union industry -- we’re talking about credit unions and cryptocurrencies. The purpose of this conversation is to enlighten our credit union listeners to what they need to know about the current state of digital assets and cryptocurrencies, what risks and opportunities exist, what credit unions are doing now, and what it might look like on the horizon. This is a special conversation however, because we’re not just talking about it in hypotheticals and theories. We’ll start with one of the world’s leading experts in the topic, researcher Quinn DuPont, talking about how the pandemic changed the crypto landscape, advice for credit unions getting into crypto and more. We’re also lucky to have two credit union cryptocurrency practitioners -- Cynthia Schroeder and Joe Keller from Visions FCU--talking about what they’ve been up to in the space, and where they’re taking it next in support of their credit union’s strategies, growth goals and bottom line. Thanks for listening and be sure to stick around till the end for some interesting ideas on use of NTFs and crypto wallets.…
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1 Filene Fill-In Ep. 73: Introducing Dr. Jeffrey Robinson, Innovation and Incubation Center Fellow 56:07
1 in 5 credit union members report that they would be willing to leave their credit union for a bank if innovation was not a priority. If you’re a regular listener of this podcast, you know that we often bring our research fellows on so that you have a chance to hear directly from them, get to know a little more about the work they are doing and learn about the focus of the research centers they lead. In March, we officially launched our 6th and final research center of excellence on credit union innovation and incubation. This center studies current trends for how credit unions can respond to members’ desire for greater financial service innovations that meet their evolving needs and preferences. It also explores the general state of innovation across the credit union system. To help credit unions succeed in building cultures, processes and systems for innovation, Filene has enlisted Dr. Jeffrey Robinson, Associate Professor of Management and Entrepreneurship and Academic Director of the Center for Urban Entrepreneurship & Economic Development at Rutgers Business School to lead this Center. We're excited to welcome Dr. Robinson on the show today. Also joining in our discussion and making his first appearing on the podcast is Filene’s Senior director of Incubation, Joshua Sledge. Together, Josh and Jeffrey are a tremendous resource for credit unions seeking ways to build their innovation muscles as well as give guidance to leading innovative credit unions on what’s on the horizon from their perspective. Register for our upcoming Innovation research event at filene.org/events…
Last fall, Filene launched a new research center to focus on the power of credit unions’ social and community impact — not only to explore the way that this type of work being done by credit unions, if strategically maximized, partnered and amplified, has potential to significantly and positively transform entire communities, but also to explore the way that, through putting a focus on making transformative change for those they serve, credit unions can rightfully claim a key differentiation point in a crowded financial services space. To move this focus into action, we needed to find exactly the right person to lead the work. This is where Dr. Mai Nguyen comes into the Filene picture. Officially, through her role as fellow for the Center for Community Social Impact, Dr. Nguyen seeks to measure and expand credit unions' social impact and help credit unions develop strategic advantages in their communities as they affect long-term positive community transformation. Dr. Nguyen, however, is known to be refreshingly unconventional through her work that speaks to the power of what research can do to move people to action when it is translated in ways that are emotionally compelling. For an example, look no further than her multi-media project called “In the Shadows of Ferguson” that tells a 100 year history of how housing and urban policies have racially divided U.S. communities, through an empathetic and accessible approach that bridges research, social science, history, performing art, media, and digital humanities. Dr. Nguyen’s research is inspired by the goal of creating equitable and resilient communities through structural and systemic change. She is the director of the design lab at University of California San Diego, a professor of city and regional planning and a housing and urban scholar who seeks to improve the lives of vulnerable and underserved populations. In this episode, you’ll get an introduction to her work and her vision for the opportunities credit unions have to change their members lives, positively transform their communities and strategically grow and differentiate their businesses while doing so. More on Mai's research with Filene: filene.org/socialimpact Watch "In the Shadows of Ferguson" https://vimeo.com/247598465…
Data is an amazing thing. It tells us who we are and what we do. And while predicting the choices, preferences and behaviors of one person is nearly impossible, predicting this for many people is a lot easier through the power of data analysis. Once-hidden patterns are revealed, structure emerges, and our data becomes our vision into the future. If you were told that 4 out of every 10 members will have an interest in product X after they use product Y, would this be valuable information to have? While generally interesting, it’s more than a headline that gets article clicks. We’re able to use data analytics to make decisions in our strategies that will give us more of what we want and less of what we don’t want. Think about the time and money saved alone in better targeted marketing campaigns. It’s undeniable that successful data analytics can create immense value for your organization. This power though, like any other, can be used for the good of many or exploited for the good of few. This is why there is both challenge and opportunity especially for credit unions to use their vast amounts of data to grow and lift their mission, to fulfill their purpose of serving the needs of those otherwise left out of the financial services equation, and to take a step in front of the crowd and lead as an example of what ethical use of data looks like. In today’s episode you will hear what credit union leaders told us interests them about building cultures of and ecosystems for better data analytics in their organizations – and ultimately why this led Filene to dedicate a research center of excellence to this topic. You’ll get the inside view on what this research will entail directly from the academic heart of the whole operation – aka our research fellow for the Center, Dr. Cheri Speier-Pero, Professor of Information Systems at Michigan State University. It is her mission to help leaders move ideas forward through the ethical implementation of new value-creating technologies and systems. Take a listen now as Dr. Speier-Pero and Filene’s Paul Dionne enlighten us to why no matter where your organization is on its data analytics journey, this research will appeal to and is essential for everyone on the path. For resources mentioned herein, visit filene.org/data for all reports produced in this Research Center; visit filene.org/blog to find Cheri's webinar content; and visit filene.org/analyticsecosystem to register for Filene's first-ever Data Analytics research event on January 26-27.…
So much has turned uncertain about our world this year – one thing that helps in times of uncertainty is to stay focused in the realm of what we can control. And while we can’t control the future, there is a trick that does give us a bit of control over the shape the future will be in. When we act in good faith to the question of “How can I become a good ancestor?” we start to behave in a way that helps us set the stage for the best future for those who will exist in that future. And in that way, we realize we do have control over what the future will be. We have a lot of opportunities before us, personally and professionally, to be part of that stage setting. One opportunity that we’ll be focusing on in today’s podcast is through Filene’s i3 program. In case you’re not familiar with it, Filene i3 is a two-year innovation leadership program and community equipping top credit union professionals with the mindset, tools and network to lead and shape the future. Through this cohort-based program, participants work in cross-functional teams to explore and address many of credit unions' most pressing challenges. This is a tremendous leadership development opportunity for senior leaders to connect with others, make their ideas bigger and advance their innovation mindsets. Every year Filene opens up the application process to find the next i3 team. Applications are now open, and we are here to talk about what it takes, and what you get when you become part of Filene i3. We are lucky today to be joined by not only the program’s leader, Brent Dixon, but also two experienced program participants -- Kathy Chicas, who is the Chief Operating Officer for Farmers Insurance Group Federal Credit Union, and Mark Volz, Relationship Development Officer, at Corporate Central Credit Union. In many ways, just like it did for many other things, the COVID pandemic forever changed the way we view credit union innovation, and the role of creativity and urgency in the concepts and locally specific focus of the i3er’s projects. As you’ll soon learn from Kathy and Mark, if you have an insatiable need to make good change in the world, i3 will give you all the tools you could need. I invite you to drift away with us over the next hour to this island of misfit toys and peer into the minds of these brilliant weirdos. Chances are you’ll realize you’ve been there with them all along.…
We’ve witnessed how much of our societal and economic infrastructure has failed--or is brought to the precipice of failure--with any amount of stress put on it over the last handful of months. Smart organizations right now are looking for ways to infuse innovation into their very DNA: their organizational culture – and create solutions to the most pressing needs of their customers, while energizing their leaders and teams. I wanted to learn more about how an organization gets there – how they shift their organizational culture to be one where innovation is fundamentally centered – and I know no better resource on the topic than my friend and colleague at Filene, Erin Coleman. Erin is Filene’s Senior Director of Advisory Services and has a long history of working with credit unions. What follows is a wide-ranging discussion on why innovation matters in tried-and-true business like financial services, how an organization becomes innovative--the real kind, not just the buzzwordy use of it on websites and in press releases-- and most importantly, in a year as crazy as 2020, have the rules changed about innovation? Done well, real innovation helps your organization jump the line – to be first with a real solution your members really seek, applying your organization’s real-time greatest strengths to deliver what is needed. Through both structured and informal testing and iteration, real innovation is within anyone’s reach – your greatest opportunities are there for the taking, you just have to take them first. To all our listeners here, I hope you do reach out and grab hold of those failures you see happening all around us, and apply a mindset of innovation to turn those into the opportunities we, as both consumers and business professionals need. I know Filene and Erin can help you get started on your path to get there. Reach out to Erin at erinc@filene.org -- but first, take a listen……
In this episode, we introduce you to our newest Filene Fellow for the Center of Excellence for Consumer Financial Lives in Transition. Dr. Lisa Servon is the Kevin and Erica Penn Presidential Professor and Chair of City and Regional Planning at the University of Pennsylvania Stuart Weitzman School of Design. The Center for Consumer Financial Lives in Transition studies the changing financial lives and livelihoods of consumers, new forms of economic struggle and financial fragility, and how these changes impact the North American credit union system. As Lisa shares in this interview -- "The work from this center will help credit unions serve people facing different kinds of transitions – income volatility, retirement, physical health and inequalities. If we can understand the frequency of these kinds of transitions and when people are going through them, we may be able to help alleviate the financial burdens that have been historically created.” One thing of note about this interview – we recorded this in March, before we knew as much about what would soon unfold with the COVID-19 pandemic, so in a way, it is a bit of a time capsule look at the way things used to be…we recorded together in our small podcast studio, something unlikely to happen as such again for a long time. But still, the ideas and challenges Lisa talks about are only ever more relevant today for having lived through this pandemic and being where we are at with it all now. Stick around until the end to hear Lisa’s answer to her provocative question that led her to start one of her main research pursuits -- if alternative financial services are so bad for people, then why are so many people using them? – There’s got to be a better reason than that people are stupid.…
This episode brings you insights from Filene Fellow Huggy Rao, professor of organizational behavior and human resources at Stanford’s Graduate School of Business. Huggy will make you see the link between what you do and the way you do it, and your performance outcomes. Huggy isn’t your typical professor, you will be well entertained by his colorful language and metaphors throughout. Get inspired by his recommendation to strengthen your help muscle more than your sell muscle. As he said, when you lead with the help muscle by setting up the incentives, culture, and organizational design right, you’ll make your employees feel physically and psychologically safe and your members feel like you acknowledge and care about their best interests. Do as Huggy suggests, and use this as an opportunity and not a threat. Filene is having a virtual event on June 16-17 to explore and unpack Huggy's research on organizational effectiveness and excellence. If you’re listening to this before then, please be sure you’re registered to attend this free event at filene.org/artandscience and if you're listening after, you can recap what we discussed at the event on Filene’s website so check out filene.org to see what we have for you to learn under our Operations tab. Oh and one last thing -- Huggy wanted to share his recipe recommendations with our listeners: "Here is a fun recipe for a chickpea dish that folks can riff off. (https://kahakaikitchen.blogspot.com/2019/12/ottolenghi-instagram-inspired-butter.html). As for cocktails, my current favorite (given the meyer lemon trees in our backyard) is a rosemary grapefruit martini."…
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Filene Research Institute
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In a public health crisis, timely, reliable and trustworthy information is critical to safeguarding people’s health and well-being. Unfortunately, the widespread adoption of digital media and information technologies today has made it easier and faster to produce, disseminate, and be exposed to false or manipulated content, from simple misinformation to conspiracy theories to hate speech. Our research fellow for the center of excellence for emerging technology, Bill Maurer of UC-Irvine has professed through his work with us that credit unions have a great role to play in lessening consumer anxieties by reassuring their members, fighting to protect their communities, and making wise decisions about our future. Bill returns to another episode of our podcast with Taylor and I, in which we are most fortunate to be joined by Dr. Joan Donovan -- Director of the Technology and Social Change Research Project at the Shorenstein Center on Media, Politics and Public Policy at Harvard Kennedy School. In this episode, we discuss what credit unions can do to combat the spread of disinformation and misinformation, and sustain the level of trust they’ve built with their communities and their members. Plus, we discuss some common scams that we’re seeing and how to protect against them. We talk about some tangible ways credit unions can deal with the spread of misinformation if it is happening on their digital and social platforms. Find out why Joan says local and redundant information is so valuable right now. And stick around for recommended trusted sources of information from our experts -- BONUS: stay till the very very end for a special coronavirus song from Bill. It’s no lie. Resources: https://www.who.int/docs/default-source/coronaviruse/situation-reports/20200202-sitrep-13-ncov-v3.pdf https://www.nytimes.com/2020/03/08/technology/coronavirus-misinformation-social-media.html https://www.thelancet.com/journals/lancet/article/PIIS0140-6736(20)30461-X/fulltext https://www.technologyreview.com/s/615184/the-coronavirus-is-the-first-true-social-media-infodemic/ https://www.technologyreview.com/s/615368/facebook-twitter-social-media-infodemic-misinformation/ https://misinforeview.hks.harvard.edu/ https://www.wsj.com/articles/coronavirus-misinformation-spreads-on-facebook-watchdog-says-11587436159 https://www.cip.uw.edu/ https://filene.org/assets/images-layout/COVID-19-Financial-Scams-UCIrvine.pdf…
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Filene Research Institute
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1 Filene Fill-In Ep. 65: Introducing New DEI Center Fellow Dr. Quinetta Roberson 1:02:10
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Filene Research Institute
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1 Filene Fill-In Ep. 62: In the Studio with Filene Fellow Sekou Bermiss 1:07:41
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Join us for a special episode in the podcast studio to get to know Filene Fellow for the Center of Excellence for the War for Talent, Sekou Bermiss! We start with a discussion on the work he’s doing as the lead researcher for the Center. Sekou explains the complexities behind how we know that people are a business’ most critical resource, but yet, finding, hiring and retaining top talent remains a critical obstacle for most organizations. In order to truly start at the start to address this issue, Sekou decided to spend the first couple of years focused on the attraction side of the equation. He sought to discover how credit unions can better attract top talent and has put a lot of thought and research into this issue for credit unions. Throughout the conversation, Sekou educates us on why attraction of top talent is such a big challenge, what might be the benefits of employee turnover, and how organizations should, and should not, be targeting the different generations. Then, we have a chance to learn how Sekou himself got into his field of study and into the labor market through his various jobs and roles. Lastly, we get to the rapid fire questions… If you find yourself nodding your head along the way, you’ll absolutely want to mark your calendar now to join Filene and Sekou in person at our Operations and Talent research event on June 16 and 17 in Denver. See filene.org/events for details. Now, hang tight for a wide-ranging conversation that Sekou designates as “perfect for the nerd in all of us…”…
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Filene Research Institute
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The US economy has been humming along for more than a decade with unemployment at historical lows, but unfortunately those numbers only tell a part of the story. One in five American households has zero or negative wealth making it difficult to affordably borrow, make consistent loan payments and build strong credit. In an effort to help credit unions deliver scalable, cost-effective and impactful lending options to members, Filene partnered with CMFG Ventures this summer to launch the FinTech Catalyst Incubator to identify, test and scale promising concepts that could make a difference by helping credit unions innovate, grow, and lift their members’ financial well-being. Learn more here: https://filene.org/do-something/programs/fintechcatalyst Concepts selected to be tested in the Incubator are tested by a group of up to 12 credit unions of varying asset sizes, locations, and consumer demographics for approximately six months. During this time, participating credit unions will offer their members the new Fintech product or service while receiving tools and support from Filene to test a unique hypothesis and assess each concept's desirability, viability, and scalability. The Incubator’s kick-off project was Align’s Income Share Agreement or ISA -- the only general use income share agreement in the United States. ISAs offer flexible repayment and build positive credit history. More than just a loan, this is a consumer contract with payments based on a set percentage of a borrower’s total income, and therefore payments are not fixed. It is also beneficial in boosting credit scores, in that if a recipient was unemployed and their ISA payment went to zero, this would not be noted as a missed payment or delinquency. Learn more: filene.org/485 You’re about to hear insights from the architects of this test, plus the credit unions practitioners who tested this concept, to better understand how a product like this might fit at your credit union, or how you could get in on the ground floor of the next Fintech concept tested. We hear from CMFG Venture’s Laura Sievert as well as Filene’s Megan Jackson about how the Fintech Cataylst Incubator works. We also have Fort Community CU’s Chief Lending Officer Danielle Frawley to share about how this test enlighted her credit union to a lot of valuable information about their membership. As you’ll hear her explain, there was a lot of member interest with this concept. Curious to know what they did next? Let’s get to it.…
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Filene Research Institute
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1 Filene Fill-In Ep. 60: Competing and Winning on MX with Dennis Campbell 1:02:12
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Earlier this summer, Filene held a research event focused on creating exceptional member experiences by redesigning organizations from a perspective of both the inside out and the outside in – meaning looking at how your credit union operates and how various internal teams and systems interact, AND looking at how member experiences in turn, inform your operating structure. We were excited to share Filene Fellow for the Center for Organizational Entrepreneurship Dennis Campbell’s latest research report on Member Experience and Service Excellence. Today, we are even more excited to share Part 2 of the report! So, if member experience is core to your credit union’s strategy, or re-assessing your strategy is a key initiative for your organization this year, then you'll want to look at both those reports: Part 1: filene.org/476 Part 2: filene.org/488 Accompanying each of those reports, you will get a facilitation guide and agenda for a team workshop on enhancing your member experience – with Part 1 -- and Identifying Your Target Member and Aligning Member-Organizational Compatibility – with Part 2. To help you make the most of these resources, we thought we would share the live keynote directly from the report’s author, Dr. Campbell, from our event out in Boston this August. And as an added bonus, we’re also sharing a run-through of the workshop guide and exercise he did with the audience onsite. So, if you couldn’t make it, or you did and now you want your whole team to gain the knowledge you did, you’re in luck because Dennis is about to take you through a very valuable exercise. Check it out now...…
We pick up here where we left off last time learning about the Cooperative Trust community and the Crash experience – if those last few words meant nothing to you, please go back to part 1 and take a listen now. We explain all about this young professional community and these unique event opportunities for them in that episode! If you’re ready for Part 2, here we go! In this episode, we highlight the ways we are stronger when we gather together. When we work in cooperation. When we develop our talent and our ideas collectively, and when we grow networks of innovative big thinkers to build a community of support and well-being for all. We start with Michael, a former crasher, now new CEO of his credit union – about how the Crash experience set the stage for where he is today – to be in the right place at the right time with the right people for it all to fall together, circuitous as his route may have been. Then we turn it over to some of our 2019 Crashers themselves. Literally from Alaska to Hawaii and every state between. Jordan tells us how this experience made for a huge jump in his career. Kaydie confirms for us that today’s young professionals do want to collaborate to solve challenges and gives a personal story about how her credit union inspired her career by first making her feel valued as a member. Ashley talks about how Crashing has completely transformed everything she thought she knew about the credit union movement and Manny says that by being connected with others in his generation he knows his peers will be there for him with understanding and empathy no matter what he’s facing. These are just a few examples of the power of this network and the connections that continue outward and onward from Crash events that bring people together. Come help us celebrate 30 years of Filene Research Institute at our big.bright.minds annual event on Nov 19 -20 in Durham. Visit filene.org/bbm19 to register today. APPLY for CRASH the GAC 2020 at cooperativetrust.com…
We are wired for connection; it is part of our DNA. Human beings have a basic need to belong to groups and form relationships – and we spend much of our lives doing just that. What we don’t often measure is the power that those connections give us to make an impact on the world around us. Insight, inspiration, innovation…none of this happens in isolation. Credit unions especially are uniquely positioned to tap into this power through their cooperative nature. In this two-part episode, we take a look into The Cooperative Trust – the credit union industry’s largest young professional group -- with a number of interviews conducted at this year’s CUNA GAC – from crashers past and present, to crash mentors who were just in their shoes, to crashers that have since become CEOs and leaders, to credit union executives who see the value in tapping into the collective brainpower of this group. Learn more about the Cooperative Trust and apply for Crash events at cooperativetrust.com. And be sure you join Filene at our biggest brightest event of the year, big.bright.minds in Durham, NC on Nov. 19-20. Register at filene.org/bbm19.…
Edward Albert Filene was born on September 3, 1860. While the world was very different nearly 160 years ago when our namesake was born, it has been fascinating to pause this week, taking a moment to learn more about Ed’s beliefs, values, actions and accomplishments from his lifetime and realize how much those same ideas – of fairness, of equality, hard work, democratic control, of giving back and pushing for constant progress – are still very much so relevant today. To that end, I am thrilled to present our “Happy Birthday, Ed Filene” tribute podcast. I asked Filene staff to share their favorite fact about our friend Ed, so that others can get to know more about the amazing life he led -- and I also asked everyone to bring us back to the modern era by sharing a compelling insight with major implications for the credit union industry from one of our research reports published over the last year. Here is the list of research reports mentioned by Fileners in this episode for you to check out: George: Do Credit Union Mergers Create Value for Credit Union Members? -- filene.org/472 Joel: Keeping Pace with Expectations: The Quest to Attract Younger Credit Union Members -- filene.org/469 Sue: Using Analytics to Meet Member Needs: A Case Study of Kern Schools FCU -- filene.org/471 Ryan: Preparing for a More Turbulent Future: How Credit Unions Can Remain Vigilant and Adaptive -- filene.org/464 Taylor: The Future of Trust Research Event Recap -- filene.org/482 AND Lessons of Fintech Apps -- filene.org/487 Cortney: The Case for Workplace Financial Well-being: The View from Credit Unions -- filene.org/480 Paul: Who Do Credit Unions Belong To? -- filene.org/470 Adam: Reaching Minority Households Incubator -- filene.org/452 Christie: The Credit Union of the 21st Century -- filene.org/459 From then, to now, and every day in between, we at the institute celebrate his philosophies as we continue to walk down the path he laid down for credit unions all those years ago. As you take a listen here today, join me in wishing Happy Birthday to Ed Filene!…
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Filene Research Institute
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This one is for all of you that love stories about money…where it came from, where it’s going, how it’s going to get there and how our lives will always be impacted by the ways we use physical and digital currencies. Join us on this trip with Bill Maurer -- Filene Fellow for our Center of Excellence on Emerging Technology and Dean and Professor at the University of California Irvine. Literally, it’s a trip -- we recorded this on the road from Chicago to our office in Madison. What you’re about to hear is a rare telling of stories and wide-ranging experiences from someone at the top of their field academically and in real-world application. Bill and I talk about how he once helped an overly enthusiastic computer chip manufacturer better understand the future of money. We talk about the strategies at play with digital payment providers and I got his initial thoughts on Facebook’s Libra cryptocurrency. Bill shares a fascinating story about the time when he had a winding and metaphysical conversation with Dee Hock, the founder of Visa, and also that one time when he “quote” “sat around in a room with bagels” redesigning the united states’ currency with the US treasury secretary. Watch for related research coming from our Emerging Technology Center from Bill in the near future. And be sure you’re booked to come to Filene’s big.bright.minds annual event on Nov 19 -20 in Durham to continue gathering insights on this plus many more issues impacting the industry every day. Visit filene.org/events to register.…
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Filene Research Institute
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We had the chance to talk with Renee Sattiewhite, Executive Director of the African American Credit Union Coalition at CUNA’s Governmental Affairs Conference this year. I wanted to learn more about the AACUC, learn what initiatives they are working on this year and beyond, and better understand some things Renee mentioned to me around a data challenge this industry has as well as things we can all do to help her and the AACUC be successful in their mission. As you’ll hear, Renee urges us instead of looking at these things like a diversity and inclusion problem, let’s look at it as a diversity and inclusion solution. In the interview, we also talk about the roots of the AACUC going back 20 years, what’s on their to-do lists for 2019, and what projects they are most excited to get moving on. Renee is especially excited about the work she’s got going on to help advance young professionals and empower women. Head to aacuc.org to learn more. As I learned from Renee, when we are more intentional about the outcomes we want to have happen, great things turn out. Let’s take her advice and commit to doing the things we say we will do in the industry. To that end, on September 26-27 Filene is holding a research event called “Diverse Employees, Diverse Members: Connecting Inclusive Marketing and Equitable HR in Credit Unions” where attendees will learn how HR and marketing can join forces to put the equity and inclusion in diversity and how these efforts can foster mutually beneficial and mutually reinforcing experiences for both credit union staff and members. Renee will be joining us there so come meet her in person…register now at filene.org/connectthedots We hope that you take this opportunity to start here by learning more about the AACUC and what credit unions can do to support and become more involved in the work they are doing and the efforts they are making to increase diversity in this industry. As the AACUC’s 21st annual conference kicks off in Charlotte right now, we celebrate you, Renee, and everything that AACUC stands for.…
This episode picks up where episode 52 left off with our most recent i3 team projects. You’re about to hear from 3 more teams about their experiences working together, examining a problem and approaching a viable solution with care. They talked about how weighty, significant and challenging some of their issues to solve were but by trusting the process, counting on each other for support and staying connected to root causes rather than shiny technological fixes, they all felt good about the paths they went down. Now that the Filene i3 application window is closed for this year, we’re in the selection process and new i3ers will be brought into the fold soon. I recommend to all those that have applied, to listen in closely and learn from the efforts and advice of these teams, and anyone that is looking forward to being part of this community in the future, start mapping out your path to applying next spring. You’ll be able to catch the next set of i3 project presentations live and in-person if you join Filene at our signature member event, big.bright.minds in Durham, North Carolina on Nov. 19 and 20. Registration is open at filene.org/events.…
On May 31, 1989, Filene was officially incorporated as an organization, which means we are now celebrating 30 years of existence. In this interview with Filene’s chief research and development officer, George Hofheimer, we talk about the past and future of Filene, George’s take on the evolution of our work and some of his favorite reports from our nearly 500! We also explore what outcomes and impacts have happened since the 1990s and 2000s in the financial services industry, like state law changes, that started from ideas emerging from our research. George gives some origin stories on Filene i3, The Cooperative Trust and Crash programs. He gives a preview of Filene’s next research Center of Excellence topics and events we have planned for this year yet. And we attempt to settle the debate over whether it’s pronounced FI-leen or Fill-een…well, at least we try to… Any way you say it, we are proud to celebrate our 30th year and excited for what’s to come in all the years ahead. Visit filene.org for our latest research and register for our upcoming event in Boston at filene.org/insideout.…
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Filene Research Institute
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If you’re interested in what a day in the life of an i3er is like, this is your chance to get that inside look. I sat down with all 6 of the i3 teams that recently presented their projects at Filene’s “Future of Trust” research event in Seattle. They talked about what problem their solutions aimed to fix, how they came to their solutions, how they worked together as a cohesive team, and how the i3 program helped them not only with these projects but will continue to help them be better problem solvers back at their credit unions. What I learned is that if you are thinking of applying for i3, there will never be a perfectly open time on your calendar, so it is likely that now is your best shot. If you’re wondering about the cost benefit of sending one of your organization’s rising stars through this program and what value it might bring back to your credit union and your members, listen to the passion in their voices when they say yes…this is worth every ounce of the effort, time, and investment. What they gained was worth even more. But if you want to be one of our next i3ers, your window to apply closes on June 30. Get your application going right now…head to filene.org/applyi3 This will be a two-part episode, so watch for the next one to feature more of our i3 teams and their projects.…
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