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At the dawn of the social media era, Belle Gibson became a pioneering wellness influencer - telling the world how she beat cancer with an alternative diet. Her bestselling cookbook and online app provided her success, respect, and a connection to the cancer-battling influencer she admired the most. But a curious journalist with a sick wife began asking questions that even those closest to Belle began to wonder. Was the online star faking her cancer and fooling the world? Kaitlyn Dever stars in the Netflix hit series Apple Cider Vinegar . Inspired by true events, the dramatized story follows Belle’s journey from self-styled wellness thought leader to disgraced con artist. It also explores themes of hope and acceptance - and how far we’ll go to maintain it. In this episode of You Can't Make This Up, host Rebecca Lavoie interviews executive producer Samantha Strauss. SPOILER ALERT! If you haven't watched Apple Cider Vinegar yet, make sure to add it to your watch-list before listening on. Listen to more from Netflix Podcasts .…
Filene Fill-In Ep. 39: What’s the real issue with small dollar loans?
Manage episode 205566768 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.
Interview: Ben Morales, Chief Technology and Operations Officer at Washington State Employees Credit Union and CEO of QCash Financial -- about the real issue behind small-dollar lending. The Federal Reserve surveyed more than 5,000 people to see if their personal financial situations were improving along with the economy, and about 46 percent of them said they did not have enough money to cover a $400 emergency expense. That got me thinking about all the noise we’re hearing today about payday lending regulations, exemptions for credit unions and community banks, sensible regulations, payday lending alternatives and whatever the heck is happening with the CFPB… Meanwhile -- There are 28 states in the US today with "permissive" regulations governing payday lending. In these states, the APR of payday loans typically ranges from 391% to 521%. And those 46% of Americans that can’t cover an expense of just $400 in an emergency? They can’t wait around for rules and regulations to be worked out to help protect them. They really don’t have many options. So… I really wanted to know more about what is the issue with small dollar lending. I wanted to know more about not just the dark side of predatory lending, but what is driving the need and how could credit unions become a welcome respite for consumers swimming over their heads in an ocean full of predators. Or maybe that metaphor’s a little too dark… But to address the issues politically and logistically -- issues related to risk and regulation, and business opportunity – issues around the consumer need, and the feasibility and viability of offering solutions to this very real problem—to learn more about all of these questions I had, I invited an expert in the topic to share with me. Ben has essentially made it his life’s work to address the question of “what’s the real issue of small dollar loans” so he is the right person to ask my questions and we’re fortunate to him lend us his expertise. If you’re curious to learn more, then listen in, we’re about to dive into the ocean…
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82 episodios
Manage episode 205566768 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.
Interview: Ben Morales, Chief Technology and Operations Officer at Washington State Employees Credit Union and CEO of QCash Financial -- about the real issue behind small-dollar lending. The Federal Reserve surveyed more than 5,000 people to see if their personal financial situations were improving along with the economy, and about 46 percent of them said they did not have enough money to cover a $400 emergency expense. That got me thinking about all the noise we’re hearing today about payday lending regulations, exemptions for credit unions and community banks, sensible regulations, payday lending alternatives and whatever the heck is happening with the CFPB… Meanwhile -- There are 28 states in the US today with "permissive" regulations governing payday lending. In these states, the APR of payday loans typically ranges from 391% to 521%. And those 46% of Americans that can’t cover an expense of just $400 in an emergency? They can’t wait around for rules and regulations to be worked out to help protect them. They really don’t have many options. So… I really wanted to know more about what is the issue with small dollar lending. I wanted to know more about not just the dark side of predatory lending, but what is driving the need and how could credit unions become a welcome respite for consumers swimming over their heads in an ocean full of predators. Or maybe that metaphor’s a little too dark… But to address the issues politically and logistically -- issues related to risk and regulation, and business opportunity – issues around the consumer need, and the feasibility and viability of offering solutions to this very real problem—to learn more about all of these questions I had, I invited an expert in the topic to share with me. Ben has essentially made it his life’s work to address the question of “what’s the real issue of small dollar loans” so he is the right person to ask my questions and we’re fortunate to him lend us his expertise. If you’re curious to learn more, then listen in, we’re about to dive into the ocean…
…
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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."…
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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1 Filene Fill-In Ep. 65: Introducing New DEI Center Fellow Dr. Quinetta Roberson 1:02:10
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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…”…
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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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!…
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.…
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.…
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.…
Dr. Lana Swartz, Assistant Professor in the Department of Media Studies at the University of Virginia spoke at the Filene breakfast this year about industries that are using the blockchain and why credit unions might want to consider its use, too. Lana studies money as a communications technology, focusing in particular on the history of payments and new financial technologies. She’s been featured in The Atlantic and reached the status of “Bitcoin famous” when she appeared in a Netflix documentary on cryptocurrencies. After the GAC talk, I sat down with Lana to get a better understanding of blockchain technology, in ordinary terms, through the example of how it has been used (or at least attempted to be used) by the music industry… We discuss how it came to be, and what the driving force behind it really is, and why blockchain wasn't the solution that the music industry had hoped it would be. Lana leaves us with her thoughts on a question worth pondering: “What happens when things like everyday payment systems are managed by silicon valley—do we really want them writing our terms of service?” Learn more about the event mentioned in this interview at filene.org/trusttech…
What really is an algorithm? This episode dives a bit deeper into this topic that we’ve talked about here before and relates to much of our research on emerging technology. I wanted to know more, in ordinary terms, not only what an algorithm is, but how they work, and what the prevalence of the use of artificial intelligence and algorithms mean for consumer and cooperative finance. Filene’s Research Director, Taylor Nelms brings us his friend Dr. Nick Seaver, Assistant Professor of Anthropology at Tufts University, who has written a book about the making of algorithmic music recommendations, to provide us some clarity on this cloudy topic. In this episode, we explore how algorithms can be a series of steps to follow to turn an input into an output – that’s an algorithm, or it can be more complex machine learning software process that learns from the source data and makes use of it to provide a future prediction – that’s an algorithmic system. Nick also teaches us why you can’t just “set it and forget it” with these types of algorithmic systems, and what can go wrong if you do that. The coolest part is when we explore how amazing it would be for credit unions to be the ones to make data portable for their members, let them decide to participate in the data’s use and have power over how they are represented in the data… Just don’t be caught calling an algorithmic system an algorithm… Visit filene.org/trusttech for more information on the "Future of Trust" event mentioned in this episode.…
In many ways, the credit union model in this country was officially defined in 1934 by the Federal Credit Union Act (FCUA). At the time, credit unions’ main focus was around promoting savings and thrift, and providing people of modest means access to fair credit to pursue productive investments. While this remains the foundation of the model, the practical definitions of many of the elements affecting financial services and consumers then have fundamentally changed, and many influential factors that did not exist then cannot be ignored within financial conversations today. For that reason, among others, its necessary to take a fresh look at the driving forces that made way for today’s credit unions and refresh our vision of the landscape they are in. We bring in experts Stevie Rea, postdoctoral researcher in the Department of Anthropology at the University of California, Irvine and co-author of Filene's report "The Credit Union of the 21st Century," and Sam Paxson, CO-OP Financial services’ chief experience officer, to discuss that FCUA re-imaging. In this episode, they talk through 21st century economic and social norms, the importance of staying ahead of changing technological trends and demands, and why this research is so important for credit unions. Download the full report at filene.org/459…
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1 Filene Fill-In Ep. 48: Do Credit Union Mergers Create Member Value? (You Might Not Be Surprised!) 42:15
Mergers-- they have dramatically restructured the credit union system over the last 5 decades. And Credit union leaders have accepted this as a reality of the current financial services landscape. But that does not mean leaders should approach a merger without caution and due diligence. Many leaders are rightly concerned about how a merger would affect their operations, their employees, and—especially -- their members. Many seek evidence of the benefits and downsides. As the system consolidates into fewer, larger credit unions, a question lingers: Do mergers create value for members? Fortunately to help guide us through the complexities of that seemingly simple question, I am joined by Filene’s chief research and development officer, George Hofheimer, and Dr. William E. Jackson, author of Filene’s report “Do Credit Union Mergers Create Value for Credit Union Members? An Analysis and Review of the Empirical Evidence.” Download the full report at filene.org/472. We hope you are enjoying hearing directly from our research authors, so they can explain the essential findings from their point of view. We are adding a series of mini-episodes around these bigger report deep-dives where we bring in an academic or known expert to explore topics and issues important to credit union leaders. These won’t always be tied to a Filene report but will allow us to be even more timely with our topics here. If you want the next level experience connecting with our research, I recommend attending one of our research events this year. Each is hosted by our academic fellows from renowned universities across the country. Our next event is called “The Future of Trust: How Technology Will Make it or Break it for your Credit Union” on May 29-30 in Seattle. This event will give your credit union an edge when you learn strategies for using data to grow member trust, not lose it. Be sure your marketing, technology and operations leaders are there.…
For today's show, I am joined by Filene’s Managing Director of Research, Taylor Nelms, as we interview Andrew Turner, Legal Research and Writing Faculty at the University of Wisconsin Law School and author of “Who Do Credit Unions Belong To? The Promise and Peril of Being Undefined in a Time of Political and Social Polarization.” In a time in America when everything seems politicized and polarized, sliced and diced in a million different ways, this isn't affecting who uses credit unions. This study explores why this is the case and whether that helps or hurts credit unions, and ultimately, their members. Andrew walks us through this research in which he explored how people of all different social and political affiliations are drawn to the ideas and values of credit unions, how nearly everyone identifies with credit unions except one specific category of consumer, and offers several strategic paths for credit unions to consider when it comes to marketing to their communities and being covered in the media... Listen in to be sure you're making purposeful and informed strategic decisions about how you present your credit union to your community and the world at large. To download the full report and get access to the executive summary and presentation slides, visit filene.org/470.…
In the spirit of our love for prototyping and innovation that changes lives, we at Filene are trying something new today: a research-based streaming music service for the cooperative finance industry. Currently, we have only one song in our song library, but we look to build it up over time. To celebrate this new venture, we would like to give you advance access to that song. Performed live in the Swift Studio we present you with… “Filene” Filene, Filene, Filene, Filene Thinking Forward. Changing Lives. Filene. 30 Years yearning to know Watching how our research grows It’s cutting-edge It’s here for you Filene From helping CUs grow their team To business ops and strategy The best you’ll find And big bright minds Filene Filene, Filene, Filene, Filene Thinking Forward. Changing Lives. Filene. We have ideas that we can test So you can serve your members best We work for you - Support all ya do Filene Arming leaders with solutions Driving change in institutions Immerse your troop In innovation group Filene Filene, Filene, Filene, Filene Thinking Forward. Changing Lives. Filene. Come face-to-face in one big room Network with the best in the clubroom We love to host Events with the most! Filene Develop young professionals Build trust and believe in them Come "Crash" the ball i3 it all Filene Filene, Filene, Filene, Filene Thinking Forward. Changing Lives. Filene. Innovations for your future Comin’ at you from your computer Join our email list So you’re not missed Filene Filene, Filene, Filene, Filene Thinking Forward. Changing Lives. Filene. If you liked this episode and YOU have a song for our streaming library, send it our way! This episode is endorsed by April Fool’s Day and all you fun-loving pranksters out there.…
Filene Research Institute’s namesake, Ed Filene, wrote the book “Speaking of Change” in which he emphasized the importance of always looking ahead, never remaining stagnant and keeping up with ever changing times. And at the start of each year, Filene takes a moment’s pause to reflect and speak to our local credit union community to share the latest insights from our research and incubation and examine the changes we see on the horizon. If you were not able to join us live or you want a refresher of the topics we covered, this recording is for you. So grab a coffee – or a beer – and Let’s listen in… Research referenced in this recording can be found at: filene.org/459…
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1 Filene Fill-In Ep. 44: "Is your credit union ready to welcome me?" with Dreamer Kenia Calderon 48:07
Today’s episode is extra special. We shared our office space last month with Coopera -- a consulting firm located in Des Moines, Iowa, focused on helping credit unions and other organizations grow by reaching and serving the Hispanic market. That brought Kenia Calderon to our podcast studio to share her story of how she came to work with Coopera and her experience as a Dreamer getting a loan through a credit union for her Deferred Action for Childhood Arrivals or DACA application. After attending university, Kenia became Coopera’s Client relations director and works closely with credit unions and other organizations in implementing Hispanic growth strategies. Her story is moving in many ways, but what we found most compelling is how enormous the ripple effect can be on an entire community starting with one credit union providing one small loan to one person. At Filene, we partner with credit unions to research, innovate and deliver programs like ITIN Lending that can be a strategic competitive advantage for the credit union that brings them to their market. We encourage you to listen to this episode with your team and follow it up with a strategy meeting to talk about how your credit union could take advantage of such programs and strategies to serve the Hispanic community – because if you don’t someone else will – and oh boy does Kenia have a lot to say about that……
Credit unions have a unique vantage point to see the way financial barriers hold people back day-in and day-out. And they’re also in a unique position to do something to support those most vulnerable. In today’s podcast we take a look at the very real and complicated way that economic abuse can keep survivors of domestic violence in their abusive relationships. Thanks to the work being done through the Domestic Violence Recovery Loan program, we’re not only gaining a better understanding of the complexity of this issue -- but also seeing the determination from organizations like Michigan State University Federal Credit Union -- to find a solution that supports survivors of domestic violence in obtaining a healthier and more stable economic future. Full report available at: filene.org/465 This episode features Adrienne Adams, Ph.D, Associate Professor in the Department of Psychology and member of the Research Consortium on Gender-based Violence at Michigan State University. Adrienne is also the author of Filene’s “Domestic Violence Recovery Loan Program” report. In the first part of today’s episode, we unpack the research that built the Domestic Violence Recovery loan program. In the second half, when we talk to Alyssa Baumann, Volunteer & Advocacy Coordinator at MSU Safe Place -- and Jeff Jackson, Chief Lending Officer at Michigan State University Federal Credit Union -- about how the DVR Loan Program works in practice, from the perspective of the support groups that work with domestic violence survivors and from the credit unions that offer the loan program as a way to live their mission and truly serve the needs of everyone in their community.…
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1 Filene Fill-In Ep. 42: How to “see sooner” and “act faster” when change is relentless 1:08:37
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The financial industry has long faced change: in technology, consumer preferences, regulation, and new business models. To thrive, credit union leaders, like all financial providers, must scan for shifts in their institutions and markets. To do so, credit union leaders need to master the twin challenges of organizational vigilance – or “seeing sooner” -- and of adaptive capacity – or “acting faster” -- as their environments change. In today's episode, we hear from the authors of Filene's newest research report, "Preparing for a More Turbulent Future: How Credit Unions Can Remain Vigilant and Adaptive," Paul Schoemaker and George Day. They share recommendations about how credit unions can enhance their capabilities to see sooner and act faster... Full report available at: filene.org/464…
We’ve boiled down our latest research about attraction and retention strategies for credit unions from our Center for the War for Talent. Our new report is called “Diving Headfirst into the Applicant Pool: How Employee Attraction Impacts Employee Retention” by filene fellow Sekou Bermiss at the University of Texas Austin. First, we talk with someone on the front lines of the work of attracting and retaining top talent at credit unions. Betsy Sommers, Senior Vice President at Seasons Federal Credit Union in Middletown Connecticut shares fascinating details on the job market in her state, and the trend of outward migration which impacts their efforts to fill positions. Then, because we can never get enough of him, we’ve got George Hofheimer, Chief Knowledge Officer at Filene. Stay till the end to hear George break down those key insights and what they might mean for your credit union’s attraction and retention strategies. One sneak peek insight – just say no to creepy recruiters… Full Report: https://filene.org/research/report/diving-headfirst-into-the-applicant-pool-how-employee-attraction-impacts-em…
So, a professor, a lawyer and a CEO walk into… a podcast…? No this isn’t the set up for a joke…But it is an amazing tale of a credit union growth strategy with seemingly no downside that we could find at least. This is the tale of credit unions’ acquisition of banks and thrifts, as told by David Walker, professor & director emeritus of the Capital Markets Research Center at Georgetown University -- who authored our research report … and Michael Bell, the lawyer who has represented financial institutions across the U.S. through more than 30 M & A transactions in the past 5 years and about 20 of the 22 or so instances of credit unions acquiring banks. And we also hear from Gary Regoli, the CEO of Achieva Credit Union in Clearwater FL -- the first credit union in the country to do this type of acquisition back in 2015. That’s right, there’s been at least 22 since that short time ago and all signs point to the trend accelerating forward. All together these three tell a full story deeper that the research alone. We start with David Walker...…
Interview: Ben Morales, Chief Technology and Operations Officer at Washington State Employees Credit Union and CEO of QCash Financial -- about the real issue behind small-dollar lending. The Federal Reserve surveyed more than 5,000 people to see if their personal financial situations were improving along with the economy, and about 46 percent of them said they did not have enough money to cover a $400 emergency expense. That got me thinking about all the noise we’re hearing today about payday lending regulations, exemptions for credit unions and community banks, sensible regulations, payday lending alternatives and whatever the heck is happening with the CFPB… Meanwhile -- There are 28 states in the US today with "permissive" regulations governing payday lending. In these states, the APR of payday loans typically ranges from 391% to 521%. And those 46% of Americans that can’t cover an expense of just $400 in an emergency? They can’t wait around for rules and regulations to be worked out to help protect them. They really don’t have many options. So… I really wanted to know more about what is the issue with small dollar lending. I wanted to know more about not just the dark side of predatory lending, but what is driving the need and how could credit unions become a welcome respite for consumers swimming over their heads in an ocean full of predators. Or maybe that metaphor’s a little too dark… But to address the issues politically and logistically -- issues related to risk and regulation, and business opportunity – issues around the consumer need, and the feasibility and viability of offering solutions to this very real problem—to learn more about all of these questions I had, I invited an expert in the topic to share with me. Ben has essentially made it his life’s work to address the question of “what’s the real issue of small dollar loans” so he is the right person to ask my questions and we’re fortunate to him lend us his expertise. If you’re curious to learn more, then listen in, we’re about to dive into the ocean……
Thank you for joining us for part two of our show about Will Be Done – the tool that helps people create wills. It might seem like a tricky subject, or a space that financial institutions don’t see a reason to get into with members, but really, it is a perfect fit. If you protect a member’s financial assets their whole lives, why wouldn’t you also help them protect what happens once they’re gone? Don’t just take it from me though…in this episode we hear from two people who have been involved at various stages of the creation of this tool, two people for different but equally personal reasons see the life-changing impact something like this can have on those left behind when loved ones are lost. First we have Michael Spink of Local Government Federal Credit union who was originally part of the team that came up with the idea, so this is his brainchild in a way, but he’s sharing how such a tool could have made a difference in his life had he had it sooner. And then we chat with Steve Fukumoto from Schools First Federal credit union who is currently part of the team getting this tool to market and motivated very personally to see it become broadly available across the nation through credit unions.…
We don’t regularly just sit around and talk about our own deaths at Filene… but sometimes we do. A number of us realized we don't have wills and no plans to get one soon. But that's not a good way to be. This episode explores the build-out of an innovative program for credit unions to help their members by making the will-creation process easier so their assets and wishes are protected. An i3 team is currently looking for credit unions to test their built-out program with members. Here's a look at what's behind the idea and why you might be interested in offering it.…
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1 Filene Fill-In Ep. 36: A conversation on Open-Book Management with Harvard professor Dennis Campbell 34:50
Based on three principles: transparency, trust and fair treatment, open-book management engages with employees and gets them to think and act like owners, creating a culture of employee ownership in credit unions. In today's show, we chat with Dennis Campbell, Filene Fellow and Dwight P. Robinson Jr. Professor at Harvard Business School, to discuss the ins-and-outs of open-book management for credit unions.…
Today’s show is a LIVE episode, from Filene’s annual “State of the (Credit) Union” address, where we showcase elements of our body of work, what’s new at Filene, and what we see emerging in the marketplace – all very important stuff for our members to hear about. You'll hear updates and insights from Mark, Tansley, George, Elry, Ryan, Andrew, Lauren, Cortney and Adam on all things under the sun and then some...so sit back and enjoy "Speaking of Change!"…
Today we have a very special episode of the Podcast, coming at you from our RESEARCH (dream) TEAM! This is our “Wildcard” output for the newly released research report “Credit Union Regtech: Innovation and Expertise.” What is that? Well the report covers What can be done to help ease the regulatory responsibilities for credit unions-- And looks at what emerging technology is available to help credit unions better manage these responsibilities. But right now, you’re about to hear from two credit union people well versed with managing regulations: Liz Hayes, President and CEO at Infinity Federal Credit Union, and Brian Godwin, Director of Policy Solutions at PolicyWorks. And of course, co-host with the most, Andrew Downin, Managing director of Research.…
Lisa Servon, professor and author of "The Unbanking of America: How the New Middle Class Survives" speaks with us on this episode of the podcast. Together with Filene's Incubator Director Adam Lee, we start a conversation on financial justice, to be continued on Oct. 2 at our event in Madison WI and again on Oct. 3 at the YWCA Madison's Racial Justice Summit. Also to be continued in communities and credit unions across the country. Listen now to get it started where you are. And if you're in Madison, register for our discussion with Lisa Servon here: https://www.eventbrite.com/e/book-reading-with-lisa-servon-tickets-37012646823…
Today's story looks at two credit unions doing everything they can to support and grow their communities' small business sectors by building out programs that cater to the needs of business owners and entrepreneurs. These credit unions, Alterna Savings in Canada and Neighborhood Trust in New York, are part of Filene's Financial Empowerment Incubator work and are actively testing new programs to serve those who traditionally are underserved or don't have access to other financial institutions or services. Then we talk with a brand new small business owner just looking to open a few basic business accounts with a credit union in her community, and the roadblocks that prevent her from following her heart down the credit union path. Ultimately, we try to assess answers to these questions: How much does the right support system set up our future success or lack thereof? And, If small businesses are such a vital part of our national economy and local communities, why do entrepreneurs have such a hard time gaining access to the credit they need to start, run, or expand their business? Maybe the bigger picture here is getting obstructed by the day-to-day, the small and now. It’s the “can’t see the forest through the trees” adage. Twenty years in the future, a community could be financially stronger with every small business and entrepreneur it has, but we tend to be fixated on extracting value today--the ROI of now. A recent Gallup Poll article indicated, “For the first time in 35 years, American business deaths now outnumber business births.” Filene’s incubator programs, and the credit unions that implement and test many of our financial empowerment programs across the U.S. and Canada are attempting to address these issues and more. Here’s to more wins for consumers, small business owners, entrepreneurs, credit unions and our communities in the future. Filene Incubator: https://filene.org/incubator/reaching-minority-households Alterna Savings: https://www.alterna.ca/ Neighborhood Trust FCU: http://www.neighborhoodtrustfcu.org/ Jennifer Laud Consulting: http://www.jlaud.com/…
Are you on Social Media? Are you a Twitter user? Why does that sound oddly similar to the language we would use to talk about drug use…being ‘on’ something…being a user of something…have you ever thought of who’s behind those platforms, making you see, think and feel certain ways? What if instead of some other corporation buying up a 'failing' Twitter and all our data, we, the users, could buy it? What if it could be a democratically controlled social media platform owned by those who use it, structured as a cooperative? Wouldn't that be great?! That is exactly the idea behind the #BuyTwitter campaign. I spoke with some of the supporters and organizers of this effort for today's episode of the Fill-In -- William Azaroff, executive lead at Vancity credit union and board chair Modo Cooperative, and Matt Cropp, Associate Director of the Vermont Employee Ownership Center, Chief Manager of the Vermont Solidarity Investing Club, and Board President of Full Barrel Co-op. As mentioned in the show, visit https://www.buytwitter.org/ to learn more. Jump into the conversation already being had on Twitter by following @BuyThisPlatform and Tweeting with #BuyTwitter and #WeAreTwitter.…
Families can be awkward…way awkward. And we can’t help that here at Filene. In fact, we think of ourselves as one big family and we’re awkward as all heck. "Awkward family photos" ticks up a notch in Google searches whenever a number of us get in the same room. (Case in point: https://goo.gl/0HmElg) So yeah, while we can’t do anything about making our families less awkward, we can do something to take the awkwardness out of lending money between friends and family. That's what the winning concept from Filene i3 attempts to do. And a project team of credit union innovators and experts has built it out and is asking for your help in testing it and perfecting the idea. Please check out 'Bank on Family' and sign up to help us test it out: https://filene.org/i3/i3-concept/bank-on-family Go directly to the interest form here: https://goo.gl/3G2Qvu And as mentioned in the podcast, you can apply to join our Filene i3 program and invent your own idea to be tested with our credit union friends. Learn more about the program: https://filene.org/i3/i3 Applications accepted May 1 - 31: https://goo.gl/iVPx8I Follow @FileneResearch on Twitter or Facebook to see our own awkward family photos, as promised, and share some your own with us...we love to see them! http://awkwardfamilyphotos.com/…
Today’s interview is a first for our podcast, I visited the home base of one of our research fellows on a recent trip to Washington D.C. Annamaria Lusardi showed me around her humble but impressive research center on Financial Literacy, located in the heart of the George Washington University campus. We spoke about the work she’s doing through the Global Financial Literacy Excellence Center (GFLEC), and the ways in which her work is changing global financial literacy methodology and practice, shaping the world’s research on the topic, and influencing national and international financial literacy policy. I asked Annamaria what advice she has for credit unions, given her knowledge and experience, for effectively increasing the financial literacy of their community of members. She gives a thoughtful three part answer here not to be missed by credit unions looking to excel in their work in this area. A couple links as promised in the podcast: Paper on Financial Knowledge and Wealth Inequality, published in the Journal of Political Economy: http://gflec.org/wp-content/uploads/2017/03/Optimal-Financial-Knowledge-and-Wealth-Inequality-JPE-April-2017.pdf?x28148 Paper on Student Loan Debt Burden: http://gflec.org/wp-content/uploads/2016/11/GFLEC-Brief-Student-loan-debt-1.pdf?x28148 Paper on Financial Fragility of American Families: http://gflec.org/wp-content/uploads/2015/01/a738b9_4ea671dfdddf4c01a74d11e12bb22102.pdf?x28148 Paper on Use of High-Cost Methods of Borrowing: http://gflec.org/wp-content/uploads/2014/12/WP-2013-1-Financial-Literacy-and-High-Cost-Borrowing.pdf?x28148…
Managing Director of Research at Filene, Andrew Downin, speaks with me about the Institute's research strategy pivot to the 5 Centers of Excellence as well as our 5 Colloquia (NOT Colloquiums!) happening throughout this year. I've also included a mini-interview with Filene Fellow Huggy Rao who offers deeper explanation of his 7 mantras for scaling excellence. Pro tip: Email Andrew at AndrewD@Filene.org to get more info on participating in research or other activities with Filene AND to find out when the snow pile outside his office window finally melted (or has it not yet?? You won't know till you ask Andrew!) Check out resources mentioned in our discussions: Scaling Up Excellence research report: https://filene.org/research/report/scaling-up-excellence Research Colloquia: https://filene.org/join/calendar/category/research-colloquium Centers of Excellence: https://filene.org/research/centers-of-excellence…
Impact Director Jimese Harkley and Mike Neill of Vertex talk about the challenging task of training high-level leaders and the impact good coaching can have on the entire organization. Through Filene's research we've found a solution in Vertex, and Jimese shares her experience using the program and an exciting new way to use this virtual tool in a real life setting. After listening to the podcast, check out more about the program here: https://filene.org/programs-and-services/program/vertex-manager-training And sign up for the April 13 Vertex Webinar here: https://filene.org/join/event/win-the-war-for-talent-exploring-coaching-beyond-the-individual-experience…
Today’s podcast offers PART 2 of interviews recorded at CUNA's Governmental Affairs Conference at the end of February. With Visa SVP, Doug Leighton, head of community accounts, we talk about Filene's 5th Center of Excellence, focused on the war for talent. Doug shares why Visa finds it so important to support credit unions, to help them win top talent in the face of intense competition and help bring an entire generation, first as employees and then as members, into the credit union movement. Check out PART 1 of this podcast first if you haven't yet: https://soundcloud.com/user-306424525/filene-fill-in-ep-25-shoe-twins-sekou-and-george-on-attracting-top-talent Then take a trip over to Filene.org to check out each Center of Excellence and the Colloquia: https://filene.org/research/centers-of-excellence…
In Part 1 of this episode on our newest research Center of Excellence on the 'War for Talent,' I speak with Dr. Sekou Bermiss, Filene Fellow for the Center and Assistant Professor of Management at the McCombs School of Business at the University of Texas at Austin. I'm also joined by Filene's Chief Knowledge Officer, George Hofheimer, to discuss what we can expect to come out of this research and how it will help credit unions attract and retain top talent. We also talk about a special event--the Center's first annual research colloquium, on Sept. 14--which gives credit unions and Filene members a rare opportunity to dive deeper into our research directly with our researchers. And, there's a dare put out by Sekou and George...with already similar taste in shoe styles, they promise if 300 register for the event, they will dress exactly the same. So check it out, and reserve your spot today: https://filene.org/join/event/war-for-talent-colloquium…
The Cooperative Trust, a nation-wide community of young credit union professionals that attend some of the industry's most important events together in their own way, has won the 2017 Herb Wegner Memorial Outstanding Program Award. Those who have been involved with this program from its very first days find it more than unbelievable to win such an honor, largely because of the non-traditional beginning of a program driven by young people who simply wanted to show up at the credit union industry's biggest convergence. It's at this very event, 7 years after the first "crash" event, that the program is awarded one of the industry's highest honors. Part 2 features Brandon Michaels, CEO of Mazuma Credit Union and Matt Vance, Vice President of Marketing and Product Development at Salal Credit Union. They talk to me about what it was like to experience the original crash event, how is has evolved over the years, what the Crash program and Cooperative Trust community has done to shape their careers, and how they help others following in their footsteps today. Sit back and be inspired by what one quirky idea can turn into when you have the passion to see it through. Listen to part 1: https://soundcloud.com/user-306424525/filene-fill-in-ep-23-the-brent-and-james-bookends-of-the-cooperative-trust…
The Cooperative Trust, a nation-wide community of young credit union professionals that attend some of the industry's most important events together in their own way, has won the 2017 Herb Wegner Memorial Outstanding Program Award. Those who have been involved with this program from its very first days find it more than unbelievable to win such an honor, largely because of the non-traditional beginning of a program driven by young people who simply wanted to show up at the credit union industry's biggest convergence. It's at this very event, 7 years after the first "crash" event, that the program is awarded one of the industry's highest honors. I sat down with the founder of The Cooperative Trust, and past Filener, Brent Dixon, when he visited our offices to help film a video for the program's award. I'm joined by current manager of The Cooperative Trust, James Marshall, to discuss how this whole thing got started, where it's going next, and everything in between. Sit in on the conversation and stick through to the very end to catch a bit of the eccentric quirky side of these two Cooperative Trust bookends.…
Filene Impact Director Jimese Harkley and Onboardability CEO & Co-Founder Sean Yokley talk to me about first impressions in a consumer-to-business context--and how the Onboardability tool can be a credit union's secret weapon to ensure that the first impression is a good one. In a nutshell--streamlining the process to bring new credit union members onboard with their new financial service provider in an easy, convenient and streamlined manner both makes the member happy and frees up credit union staff to focus on really connecting and telling the credit union's story and value prop. I got a good lesson in how all the essential pieces of a good customer experience are pulled together with the help of this tool, including data analytics. Listen in on our conversation and then check out more info at onboardability.com or filene.org. Also, get in touch directly with Jimese at JimeseH@filene.org or Sean via Sean@Onboardability.com.…
Join us for a very special episode of the Filene Fill-In where we turn it into a "Fosscast" while we get to know our newest member of the team: Managing Director of Innovation, Ryan Foss! Ryan has done a lot of unexpected and interesting things in his life, which led him, naturally, to our innovation area. Learn how he will apply unconventional and conventional experience to his new role in the credit union industry and why he's so dang excited to get to work!…
Each new year, Filene invites our members, credit union friends and system partners to join us for a little fun and a little discussion on what we see coming to the credit union industry in the year ahead. This is Filene360--and this is PART 2 of the Filene360 Podcast! In this episode, you'll hear all of our gameshow antics that will wisp you back to a simpler time--enjoy the million dollar questions, the buzzers and yes, even yodeling in this throwback tribute to shows of days past while hearing updates on what is inside Filene's head as we look at the year ahead of us...…
Each new year, Filene invites our members, credit union friends and system partners to join us for a little fun and a little discussion on what we see coming to the credit union industry in the year ahead--This is Filene360. In 2017, we went back in time to tell our story through interpretive retro gameshow reenactments. In part one of this two-parter podcast, CEO Mark Meyer gives a virtual hug to all the credit unions out there that have done amazing work over the past year. In this episode we explore the hot topics and most relevant issues for credit unions to focus on in the year ahead stated directly from several industry leaders. We also hear from Mark Meyer and a distant cousin called Mark Trebek. Be sure to listen to part 2 for more of the fun side of Filene360.…
Constance Anderson, Principle and Founder of MemberXP and Erin Coleman, Senior Impact Director walk us through a mile (or more!) in our members' shoes. Understanding the data, the research, the motivations and the drivers behind why members are loyal or not, Constance, through the work of MemberXP, shares what we can do to improve the member journey so credit unions can truly be everyone's best financial partner. Here's what's covered: 2:20--What is MemberXP and how does it help credit unions improve their members' experiences 3:45--Collaboration with Filene on Omni-Channel Voice of Member program 4:45--Making sense of member data 7:20--The story of how Filene has come to work on mapping the member journey with Constance and MemberXP (Learnings from the Amazon Credit Card Application Pilot) 10:06--Loyalty is driven by the experiences we create for our members 10:56--Mapping Net Promoter Scores 12:23--Making the data actionable with MemberXP 13:19--Why don't satisfied members bring all their business to the credit union 14:33--The future of customer ease of use from Amazon 16:30--What is MemberXP's relationship to the credit union industry 17:54--Understanding the "why" of consumer behaviors and choices 19:24--Filene's research on consumer decision-making and member effort benchmarking 22:20--Examples of member experience mapping: Password reset process 23:50--Examples of member experience mapping: Opening a new account 27:03--It IS the little things that matter 28:23--How does a credit union discover what are the most painful painpoints for their members? 31:38--How to get more info and get started in mapping your member's journey 32:23--From research to tangible action for your credit union 35:33--The difference between $5 and $27 cables...dang it!…
Born from the concept of credit score subscription services popularized by catchy theme songs, SavvyMoney brings all the benefits sought by consumers and creates a winning program for credit unions seeking to increase their members' financial expertise, offer more competitive rates and deepen loyalty and engagement. Chris Fraenza of the FinTech company SavvyMoney joins the podcast to tell the story of just what's so savvy about it.…
Tansley and I jump on the line with Qcash Financial CEO Ben Morales to find out more about this short-term small-dollar lending solution that offers credit union members instant funding in less than 60 seconds. Ben shares insights from more than a decade of work behind refining this program and the relationship-based data that makes it so innovative, while Tansley talks future opportunities for credit unions with Qcash. Not only is this program beneficial for credit union members, it's sustainable for the credit unions that provide it. In 2015, $28M was lent by Washington State Employees Credit Union (WSECU), saving members an estimated $3.7M. WSECU experienced a net margin of 11% on these loans. Tune in to see how you, too, can offer funds to your members with 6 clicks in 60 seconds.…
On today's show we talk with Gregg Hammerman, CEO of Larky -- a member engagement and loyalty program that helps credit unions add value for their members. We've also got Tansley Stearns, Chief Impact Officer on the line to share the Filene story of how Larky came to be our partners in support of the credit union industry. Gregg created Larky when he realized it would be nice to have something on his mobile device to let him know of rewards or special offers available to him because of other memberships he's part of...rather than finding out later. Being loyal can really pay off for the consumer, but also businesses see that loyal members buy 14% more products than non-loyal members. Listen on for Gregg's full story...…
One fateful day at Filene, we received an email, and the subject line solemnly read, "Andrew Downin is leaving..." SPOILER ALERT: After a collective panic attack had by all, the story ends with a win, for both Filene and for professional growth and development. Hear Andrew's story and learn from Tiffany about opportunities that might be right for you to join Team Filene!…
Saturday, September 3, we celebrate our namesake Ed Filene's birthday! He was born in 1860 in Salem, Massachusetts. Join us in celebration of the father of the U.S. credit union movement! How did Filene come to be such, you ask? Well, when Ed traveled around the world in 1907 to source products for his department store, he was exposed to cooperative business models practiced in India and elsewhere. He came home inspired by the incredible social and economic potential of enabling workers and communities to work together to create access to savings and credit. Filene then invested over $1 million of his personal fortune spreading the credit union message because he saw credit unions as the future source of financial services for working Americans and their families. Happy Birthday, Ed! Share your birthday wishes for him below!…
I bust in on a team of innovators' working session to get the scoop on what they're doing and why. Filene'rs Marnie and Andrew introduce us to the Debt Dragons and the real issues they are attempting to slay for us out there in the world. Listen in, learn a bit, and share YOUR tips for students about to enter college.…
Today's Fill-In is all about what Filene has been doing behind the scenes to improve our communications, social media and digital presence. With the expertise of...experts, the energy of interns and some good ol' self reflection, we describe how we have and continue to seek ways to improve the Filene user experience as the social/digital channels continue to evolve and grow. Thanks for listening!…
Impact Director Brenton Peck has been a Filene Team member only 4 short months but his knowledge on how to deliver Filene's research to credit unions in actionable and tangible ways is anything but short. Join us for a conversation about what drives Brenton's work with credit unions across the US and Canada, and where he sees things going for them in the future.…
The credit union world has one more podcast! The National Credit Union Foundation launched their new podcast series, Murmurings (I know, clever, eh?) last month. I speak with the Foundation's Director of Communications Christopher Morris about tips, tricks, tech and our love for podcasting in general. Hey, a podcast about podcasts, how meta...…
Impact Director & Analyst Elry Armaza fills us in on custom research projects, helping credit unions with converting innovation to implementation and developing strategies that live and breathe all year long. We also learn how discovering your member's pain points is like "the first time you download the Pokémon Go app and realize the Pokémon were all around us all this time and we didn't see them." Once you look through a new lens, you can make time to "catch 'em all" and resolve members' pain points in doing business with your credit union.…
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1 Filene Fill-In Episode 7: Fiscal year wrap-up, future Filene and things we do when Mark's away 13:15
Sitting down with "acting CEO" George and Patsy, I learned a lot about how Filene performed over the past fiscal year and our plans for forging ahead over the coming year. George has a new (temporary) role and is getting the most out if it, and Patsy is enjoying the beautiful Wisconsin summer. Grab as seat, and let us fill you in since we last talked.…
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1 Filene Fill-In Episode 6: Working with credit unions to close the financial service access gap 16:25
We sat down with Filene's Incubator Director, Adam Lee, to learn more about the research and work being done to forge a path forward through the power of credit unions to financially empower all members of our communities. Adam touches on the regulations coming from the Consumer Financial Protection Bureau, the opportunities that credit unions have today to better help their most financially fragile members and the role and impact credit unions play in our larger socio-economic state.…
Join the conversation with Cooperative Trust Manager James Marshall as we talk origins of the Crasher movement, recent adventures, future opportunities to get involved and exciting exciting exciting (fingers crossed!)things to come for The Cooperative Trust. Also, lets all wish our British friend James a happy 4th of July! Visit filene.org to keep on track of upcoming Crash events that YOU can apply for!…
Strategy is alive! Rather than a 1-2 day activity producing a 100-page report that few will read, an organization's strategy should be an active part of who they are all year round. With that in mind, Filene's Strategy Cycle helps credit unions do just that...keeping board meetings and senior leadership meetings at a high strategic level instead of talking about the color of the carpet in the new branch. Listen in as Chief Impact Officer Tansley Stearns explains how Filene's work can benefit your credit union. Check out Filene.org for more info.…
Research Manager Stephanie Galligan joins us on the podcast to explain the first research report ever released as part of our new Centers of Excellence. In this report, Designing Credit Union Culture for High Performance, Stephanie hits on the key elements that make an organization's culture what it is, shares an example of a successful high performing organization driven by its culture and gives credit unions the take-aways for gaining stronger culture.…
Episode 2 of the Filene Fill-In podcast has us chatting with the fine Filene felines (aka cool cats) Marnie, Andrew and George about credit union innovators, ideas that bubble to the top, and the 2025 vision of the financial services industry. While we mainly stay on topic, deviations into exotic plants, chewbacca socks and 80s music hits may occur...…
Here we are, the first episode EVER of the Filene Fill-In: The podcast where we fill you in on what's been going on at Filene and out and about in the financial services world. In this show we're joined by the genius George Hofheimer, the beautiful Ben Rogers and the Amazing Andrew Downin. We talk Australia and pork dumplings, Scotland and haggis and Washington D.C. and the Donald (Trump AND Duck)! See where the conversation takes us...…
The Filene Fill In -- A Podcast where we fill you in on what's been going on at Filene Research Institute. This is our just for fun test episode featuring Chief Knowledge Officer George Hofheimer and CEO Mark Meyer
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