ArticlesCUs Draw Business Grads and Interns
November 23, 2009
Filene fellowships harness innovation and expertise
Electronic Lending Gains Ground
November 23, 2009
Speed, cost savings, transparency beat paper processing
Mortgage Fraud Persists
November 23, 2009
Crooks find new ways to prey on homeowners
Most Employers Lack Workforce-Management Strategies
November 23, 2009
They’re turning to software for help
Steps to Recovering Lost Trust
November 23, 2009
Consumer trust is vital in good times and in bad
Boomers in Denial About Retirement Savings
November 16, 2009
Older employees will feel the effects of the financial crisis
Don’t Dismiss the ATM
November 16, 2009
Cash and deposit-taking functions are vital to retain members
Housing Market Improves—Slightly
November 16, 2009
Fewer homeowners are “underwater”
Management Promotions Often Mishandled
November 16, 2009
Many organizations provide little or no transitional guidance
Be Strategic With Your Branch Hours
November 5, 2009
Hours of operation can give you a competitive advantage
Consumers Want Cell Phone Alerts
November 5, 2009
Rapid communication helps limit fraudulent transactions
No Recession in Home Remodeling
November 5, 2009
Small, practical renovations take center stage
Prepaid Cards Sometimes Loaded With Fees
November 5, 2009
The cards appeal to 80 million unbanked or underbanked consumers
Some Firms Continue to Invest in Family Benefits
November 5, 2009
Benefits include telecommuting, flextime, job-sharing, and compressed workweeks
Demand for Information Security Skills is Increasing
October 26, 2009
Security moves from support to central business function
Economy Takes a Toll on Employee Benefits
October 26, 2009
Employers are trimming programs to cut costs
Firms Take More Control Over 401(k)s
October 26, 2009
An aggressive approach attempts to secure workers’ retirement
What’s Next for Recruiting and Hiring?
October 26, 2009
More employers plan to hire rather than cut employees
Workforce Profiles
October 25, 2009
ACH Popularity Heralds Rising Risk
October 8, 2009
New technologies lead to more transactions
Competition Update: Consumer Satisfaction Leads to Deposit Growth
October 8, 2009
Research shows customer satisfaction accounts for 15% to 20% of deposit growth
Considering Small Business Services?
October 8, 2009
Weigh the pros and cons, and research your market
Consumers Now Opt for the Web Over the Branch
October 8, 2009
But a multi-channel delivery strategy is still the way to go
Beyond Facts, the Web Yields Feelings
September 24, 2009
“Sentiment analysis” translates emotion into data
Cities and Counties Are Selling Delinquent Tax Bills
September 24, 2009
Private companies then use aggressive tactics to go after homeowners
Influenza Preparedness and Response
September 24, 2009
It’s time to makes contingency plans for the 2009-2010 flu season
Student Debt Shifts to Costly Private Loans
September 24, 2009
But CUs offer lower rates and fees to young borrowers
“Walkability” Can Boost Property Values
September 24, 2009
Implications for zoning, development, and lending decisions
Consumer Debt Shows Signs of Improvement
September 18, 2009
But some analysts see only a temporary uptick
Credit Unions Shine in Mortgage Market
September 18, 2009
Dramatic growth leads to operational challenges
CU Lending Activity
September 18, 2009
Electronic Lending Made Mandatory?
September 18, 2009
Regulators would benefit from viewing assets online
Going Green, Going Electronic
September 18, 2009
Persistent Foreclosures Moving Upscale
September 18, 2009
Job losses and falling home prices now afflict prime market
401(k) Plans Bent but Not Broken
September 4, 2009
Many employers have eliminated or reduced matching contributions
Employers Offer Flexible Scheduling
September 4, 2009
Increasingly, men try to balance home and family life
How Can CUs Rise Above 6% of Industry Assets?
September 4, 2009
Retired executives weigh in on possible solutions for breaking the 6% barrier
State of the American Consumer
September 4, 2009
Growing financial woes take a toll on financial activity
Foreclosures Continue at Record Pace
August 21, 2009
Nearly one-quarter of mortgage holders are underwater
Income Loss Persists Long After Layoffs
August 21, 2009
Many workers never return to previous wage levels
Lottery Strategy Helps Members Save
August 21, 2009
Save to Win program adds the thrill of gambling to saving
Banks Ramp Up Fees to Beat Card Deadline
August 15, 2009
A raft of new charges will sting unsuspecting consumers
Credit Card Debt Rises for Seniors
August 15, 2009
More middle-income consumers use cards to cover necessities
Fixing the Economy Could Be Women's Work
August 15, 2009
They’re more likely to be wired for collaboration, caution, and long-term results
Making Tradeoffs in Branch Efficiency
August 15, 2009
Conventional approaches pose pitfalls in today’s market
Employers Ease Up on Cost-Cutting Measures
August 1, 2009
They’re starting to look toward economic recovery
Healthcare Cost Containment Gets Aggressive
August 1, 2009
Rate increases are lower at companies that control costs and promote wellness
Part-Time Help Wanted: Must Show Initiative
August 1, 2009
Interns provide value while they gain experience
Pay Raises Are the Smallest In Decades
August 1, 2009
More firms are connecting raises to performance
Salary Trends
August 1, 2009
Staff, CEO Compensation
August 1, 2009
Where to Find Reliable Compensation Data
August 1, 2009
Look for industry-specific data when studying local markets
Baby Boomers Drive Entrepreneurship
July 24, 2009
Longer lives and changes in job tenure encourage self-employment
Companies Shift to Short-Term Investments
July 24, 2009
Tight credit also prompts cuts in spending, staff
Credit Card Outlook Mixed
July 24, 2009
Delinquencies are down but unemployment and stagnant wages cast a long shadow
Some Homeowners Opting for ‘Strategic’ Defaults
July 24, 2009
They start to mail in the keys once they pass 10% negative equity
A Glimmer of Hope in the Mature Home-Buyer Market
July 17, 2009
Boomers are looking for greener forms of housing and transportation
Con Artists Take Advantage of Recession
July 17, 2009
To scammers, the bad economy is a good opportunity
Most Payday Loan Volume Comes from ‘Churning’
July 17, 2009
Short-term due date generates need for repeat payday loans
The Young and the Frugal
July 17, 2009
Gen Y moves toward a simpler lifestyle
Credit Scores Fall as Consumers Struggle
July 10, 2009
Scores can drop even for those current on payments
Foreclosures Devastate Families
July 10, 2009
Financial insecurity and economic hardship follow loss of home
Housing Difficulties Continue Despite Signs of a Bottom
July 10, 2009
Indicators of future demand remain strong
Medical Bills Are Behind Most Bankruptcies
July 10, 2009
Three-quarters of bankrupt families had health insurance
Consumers Turn to Online Channel
July 1, 2009
Tools help manage finances in a sagging economy
Economic Outlook 2009
July 1, 2009
Economics Handouts
July 1, 2009
Foreclosures Migrate to Prime Market
July 1, 2009
Job losses and falling home prices hit upscale homeowners
High Unemployment Stalls Recovery Hopes
July 1, 2009
Pay cuts and joblessness short-circuit consumer spending
Recession Redefines Retirement
July 1, 2009
Boomers are taking a second look at work and savings
Sluggish Recovery Forecast
July 1, 2009
Chat Complements Online Services
June 26, 2009
Real-time dialogue reduces user frustration
Commercial Mortgage Defaults Continue to Rise
June 26, 2009
Recession drags down rents, increases vacancies
Competition Update: Opportunities in Retirement Planning
June 26, 2009
Flight to safety offers the chance to build market share
Use Imagery to Focus Advertising
June 26, 2009
Emotionally provocative messages connect with low- to moderate-income consumers
Competition Update: Banks Hike Fees on Checking Accounts
June 19, 2009
Facing revenue limits on credit cards, banks look elsewhere
Innovate the Old-Fashioned Way
June 19, 2009
The next wave of innovation will be add-ons to traditional products
Look Beyond the Generation Gap
June 19, 2009
All ages value respect, recognition, and financial stability
Recruiting Volunteers and Imposing Term Limits
June 19, 2009
CU executives weigh in on the age-old debate
Text Messaging and Collections: An Effective Combination?
June 19, 2009
Text reinforces other strategies for reaching accountholders
Checklist for Mergers
June 12, 2009
Making a merger work requires adhering to certain tested guidelines.
Consumer Spending ‘Freefall’ Ending?
June 12, 2009
But the consumer still is cautious, according to MasterCard.
Controlling Health-Care Costs
June 12, 2009
Recession is driving workers to make better lifestyle choices to cut health-care costs.
Should You 'Friend' Your Members?
June 12, 2009
A social networking presence may be important, but just how important?
Small-Business Credit Options
June 12, 2009
For many small businesses, credit cards are the only financial option currently available.
Boost Contact-Center Efficiency
June 4, 2009
Make better use of existing people, processes, and technology
Card Industry Goes After Best Payers
June 4, 2009
Attempts to replace profits could curtail rewards and grace periods
Competition Update: Defections From Banks Likely to Continue
June 4, 2009
Distrust and a lack of confidence drive customers away
Shift from Credit to Debit Cards Continues
June 4, 2009
Product and marketing strategies adjust to consumer preferences
Use Layoffs Sparingly and Strategically
June 4, 2009
Assess your workforce with an eye toward post-recession growth
Adopt a Team Approach to Strategic Planning
May 29, 2009
Senior management and the board function best as partners in the process
Framing the Future
May 29, 2009
IT Initiatives Stall with the Economy
May 29, 2009
But opportunities abound for smaller institutions with scalable systems
Market Analysis Aids Planning
May 29, 2009
The best vision and mission statements lead to action
Plan Now for Senior Management Turnover
May 29, 2009
Most employers recognize talent gaps, but many lack succession plans
Planning in a Crisis
May 29, 2009
Try a Scenario-Based Process
May 29, 2009
Uncertain times call for more variables, intensive monitoring, and rapid responses
Competition Update: Banks Jump on Twitter Wagon
May 22, 2009
Players of all sizes can compete in the social networking space
Credit Unions Link to Online Communities
May 22, 2009
Personal financial sites tie in with members’ transaction accounts
Mortgage Fraud Linked to Other Financial Crimes
May 22, 2009
Criminals will exploit any vulnerability across all financial sectors
Small Businesses Still Can’t Borrow
May 22, 2009
Bank credit is still tight, but expect more start-ups following the recession
Workplace Conflict Can Yield Positive Results
May 22, 2009
Personalities, egos, and stress are primary causes of conflict
Branch Design Moves Away From Retail Style
May 15, 2009
Figure out which features enhance the member experience
Competition Update: Innovation in Alternative Financial Services
May 15, 2009
Keep an eye on mobile-phone financial services and P2P lending
Competitors Are Serving Up Credit-Card Opportunities
May 15, 2009
Their mistreatment of cardholders should drive them to your CU
Female Leaders Confident About Their Careers
May 15, 2009
Most women say mentors are important, but few have them
New Card Regs Will Change Market
May 15, 2009
Expect smaller issuers to have competitive opportunity
Financial Abuse Hits Older Americans
May 7, 2009
It’s a crime of opportunity that victimizes an aging population
Payday Lenders Profile Neighborhoods
May 7, 2009
Race and ethnicity drive choice of locations
Rebooting the American Dream
May 7, 2009
There’s renewed interest in creating a personal financial safety net
Recession Dents Consumer Purchases
May 7, 2009
Consumers are reassessing luxuries and necessities
Retirement Expectations Plummet
May 7, 2009
Many expect to work longer before leaving their jobs
Build on Loyalty, Create Engagement
April 30, 2009
Consumers are ready to do business with trustworthy financial providers
Competition Update: Analytic Tools Help Shape Marketing Plans
April 30, 2009
But they’re only as good as core systems and data quality
Growth Strategies
April 30, 2009
Link Marketing and Public Relations
April 30, 2009
Build your marketing strategy around targeted and timely messages
Loyalty Leads to Growth
April 30, 2009
Truly loyal members will recommend the credit union to family and friends
Member Satisfaction: A Step Toward Excellence
April 30, 2009
CUs outshine banks in satisfaction index
2009-2010 National Surveys
April 28, 2009
Bankruptcy—It’s Back
April 23, 2009
Filings surge in economically distressed areas
Consumers Want Choice on Overdraft Coverage
April 23, 2009
They’re steamed over big fees on small purchases
Credit Card Practices Come Under Scrutiny
April 23, 2009
White House and Congress are pushing for reform
IT Spending Will Be Slow Through 2010
April 23, 2009
Institutions are trimming discretionary spending and new capital expenditures
Think Twice Before Suspending 401(k) Match
April 23, 2009
Look for alternatives before jeopardizing employees’ retirement savings
Competition Update: Small Community Banks at Risk
April 16, 2009
Compliance, technology requirements can overwhelm smaller institutions
Foreclosure Rescue Scams Coming on Strong
April 16, 2009
‘Mortgage specialists’ promise much but rip off struggling homeowners
Prepaid Cards Appeal to Distressed Consumers
April 16, 2009
Benefits include security, convenience, and no need for credit checks
Raise Revenue, Don’t Cut Social Security Benefits
April 16, 2009
Boomers don’t believe Social Security is in crisis
Small Businesses Gaining Optimism
April 16, 2009
Business owners think the economy is headed in the right direction
Competition Update: Gen Y Takes to 'Virtual' Accounts
April 10, 2009
Rates are low, but money-management tools provide the attraction
Default Rates Double on Prime Loans
April 10, 2009
Credit quality continues to decline across all risk categories
Foreclosures: Some Banks Walk Away
April 10, 2009
Abandoned houses complicate an already difficult problem
Have a Question? Ask CURE
April 10, 2009
Retired executives assist those in the trenches
Who’s Watching Retirement Savings?
April 10, 2009
Some 401(k) sponsors aren’t doing enough to monitor their plans
Credit Unions Are Working Overtime to Get the Word Out
April 2, 2009
NCUA’s corporate actions send CU public relations efforts into overdrive
Most Consumers Value Convenience but Are Wary of Fees
April 2, 2009
They also need to understand what a credit union is before they’ll consider joining
People Tap 401(k) Accounts for Cash
April 2, 2009
Short-term hardship withdrawals crimp retirement savings
Shrinking Fee Income Threatens Free Checking
April 2, 2009
Promote a variety of appropriately priced services
Communicate Safety and Optimism
March 27, 2009
Use research to create a fact-based marketing plan
Competition Update: Campaigns Blend Creativity and PR
March 27, 2009
Your marketing campaigns need to be memorable, not just different
Marketing in a Downturn—and Beyond
March 27, 2009
Position your CU today for tomorrow’s economic recovery
On Budget, On Message
March 27, 2009
Partner with Finance for Impact and Accountability
March 27, 2009
CFOs and marketing directors need to find common ground
Think Marketing, Tap Technology
March 27, 2009
Top Marketing Trends
March 27, 2009
Executives might be sick of Web 2.0, but it’s a force to be reckoned with
Supreme Court Rules Against Lenders
March 26, 2009
Decision makes federal court appeal more difficult
Boomer Wealth Sliced Almost in Half
March 19, 2009
Retiring baby boomers will lean more heavily on Social Security and Medicare
Consumers, Lenders Rein in Credit Card Debt
March 19, 2009
Delinquencies continue to rise, but at a reduced rate
Discover Card Targets Teens
March 19, 2009
New Current card teaches kids about managing money
Mergers Are Frequently Full of Surprises
March 19, 2009
Following these guidelines will make the process smoother
‘Prize-Linked Savings’ Offer Incentive to Save
March 19, 2009
CUs in pilot program generate $330,000 in deposits
Competition Update: Business Owners Meet on Social Networks
March 12, 2009
Low-cost sites give insight to prime customer group
Layoffs Expected to Decline
March 12, 2009
But look for more salary and hiring freezes, 401(k) match reductions, and smaller raises
Managers Are Ultimately Responsible for Employee Engagement
March 12, 2009
A poor employee/manager relationship is more than enough to make employees leave
Networks for Reloading Prepaid Cards Will Hike Card Use
March 12, 2009
Location, convenience, and consistency draw cash-based customers
Recession Prompts Increased Need for Security
March 12, 2009
Chief security officers are concerned about crime, theft, and frozen security budgets
Consumer Fears Dampen Once-Robust Economy
March 6, 2009
Japan's Lost Decade holds lessons for U.S.
Household Finances Mostly Sound
March 6, 2009
Compared with Wall Street, individual consumers are the picture of prudence
Investors Slowly Returning to Markets
March 6, 2009
The affluent are starting to feel out the new financial world
Online Channel Gets Traction During Tough Times
March 6, 2009
People like saving time and having the ability to monitor their finances
Prepaid Cards Threaten Checking
March 6, 2009
Consumers could save but CUs lose in shift from checking to prepaid debit
CU Deposits Changing
February 26, 2009
Debt Opens Doors to Scams and Harassment
February 26, 2009
Members who are overextended need reputable credit counseling
Fear Itself Haunts Recovery
February 26, 2009
Anxiety rises as Americans anticipate pay cuts, layoffs
Financial Education Resources
February 26, 2009
New Age of Thrift
February 26, 2009
Recession Erodes Savings
February 26, 2009
Retirement savings, mortgages, emergency funds are hit
Supporting Savers: From Coercion to Excitement
February 26, 2009
The End of Consumerism as We Know It?
February 26, 2009
We’re hunkering down in favor of simple living
The Paradox of Thrift
February 26, 2009
What’s good for one may not be good for all
The Responsible Choice Plan
February 26, 2009
A ‘win-win’ for lenders and troubled borrowers
Containing Health-Care Costs Is Top Concern for Employers
February 20, 2009
Employees, however, are more concerned about being able to afford retirement
Five Trends Are Shaping Business Technology
February 20, 2009
CFOs and CIOs must deal with tighter budgets and heavier demands
Payment Preferences Going Electronic
February 20, 2009
But the shift to e-payments poses member-relations and cost-control challenges
Real Estate Market Still Churning
February 20, 2009
Home resales are stronger, but vacancies and foreclosures persist
Some Recession Forecasts Go Out Five Years
February 20, 2009
Confidence continues to fall among consumers, CEOs, investors
Analytics Help Retailers, Marketers Chart Consumer Habits
February 13, 2009
A new breed of tracking software taps into consumer buying behavior
Is Your Board a Victim of ‘Anchored’ Thinking?
February 13, 2009
Most boards are uncomfortable with the degree of change required to thrive in the future
Outline, Fact Sheet on Financial Stability Plan
February 13, 2009
Two documents from CUNA helping explain Treasury's Financial Stability Plan and its effects on CUs.
Plan Now for Senior Management Turnover
February 13, 2009
Most employers recognize talent gaps, but many lack succession plans
Public Pessimism Reaches New Low
February 13, 2009
Dismal economic news dominates the media
Women Poised to Pass Men in Workforce
February 13, 2009
Massive layoffs—primarily of men—force changes in traditional roles
Bright Spots Amid Economic Gloom
February 5, 2009
CUs and members can reap a few benefits from the recession
Competition Heats Up in Remittance Market
February 5, 2009
The market is set to double, and mobile’s the upcoming technology
ID Theft Spikes During Economic Downturn
February 5, 2009
Prepare for more fraudulent attempts to access member data
Instant Messaging Comes Under Scrutiny
February 5, 2009
As the technology spreads, regulation follows
Lessons Learned from First-Accounts Program
February 5, 2009
CUs reach low- and moderate-income members through outreach, education
Blended Credit Scoring Helps Manage Portfolio
January 28, 2009
Looking at both personal and business credit scores is most accurate
Community Base Gives CUs the Edge
January 28, 2009
Smaller institutions have the inside track when serving small businesses
Education Important to Small Business
January 28, 2009
Accounting and financial information are highly valued by business owners
Entrepreneurs Are Eager for Mobile Options
January 28, 2009
More than one-third of small businesses are interested in m-banking
Small Business Is Big Business
January 28, 2009
Small-business owners value personal service and stable relationships
CUs Report on MBL Programs
January 26, 2009
Monitoring Member Business Loans
January 26, 2009
Banks’ Dilemma: Lend Bailout Funds or Shore Up Bottom Line
January 24, 2009
Banking experts wonder if the bailout is doing more harm than good
Can Paymo Gain Merchant and Consumer Acceptance?
January 24, 2009
The service lets consumers charge e-commerce transactions to cell phone bills
Educate Members about Refund-Anticipation Loans
January 24, 2009
Other tax-time options are fast and less expensive
Financial Institutions Are in a Pricing ‘Arms Race’
January 24, 2009
Progressive institutions are using more sophisticated modeling techniques
New Tool Brings In Deposits from Social Networks
January 24, 2009
The widget is one more way to advance a mobile payments strategy
Credit Card Predictions for 2009
January 16, 2009
Recession is causing lenders and borrowers to adopt new card strategies
Forget Gen Y Stereotypes
January 16, 2009
They’re eager to take on additional responsibilities
Giving the Gift of Microfinance
January 16, 2009
Web-based options help fund entrepreneurs around the world
Many Commercial Property Loans Are In Trouble
January 16, 2009
$400 billion in commercial mortgages risk default or foreclosure this year
Pilot Program Shows Appeal of U.S. Savings Bonds
January 16, 2009
Convenient options at tax time encourage low-income families to save
Checking and ATM Trends
January 7, 2009
Consumers Flee to Safety
January 7, 2009
You can’t over-communicate the safety-and-soundness message
Fees Survey Report
January 7, 2009
Large and Small Institutions Weigh Fee Strategies
January 7, 2009
Mega-banks are positioned to pass higher costs on to customers
Overdraft Fees
January 7, 2009
Some Institutions Actually Increasing Ad Budgets
January 7, 2009
Battle for loyalty and deposits supersedes fears of recession
Surcharge-Free ATM Networks Are Growing
January 7, 2009
CU members can save more than $3 per transaction using networked ATMs
Companies Cut Costs Without Layoffs
January 2, 2009
They’re looking for alternatives to slashing the work force
Consumers Flunk Basic Finance
January 2, 2009
Poor skills and lack of knowledge contribute to money woes
Employment in Financial Sector Holding Steady
January 2, 2009
Watch for opportunities to hire key staff
Homeowner Equity Varies by Location
January 2, 2009
Rent is one measure of housing value
Mortgage Fraud Jumps by 45%
January 2, 2009
Misrepresentation often occurs early in the loan process
Competition Update: Grameen America Rolls Out Microloans
December 23, 2008
A pilot program is poised to expand with loans to small businesses
CU Auto Lending Is Strong Despite Weak Car Sales
December 23, 2008
Lenders now require good credit and a down payment
Invest in Employee Development During a Down Cycle
December 23, 2008
Toyota moves people from the production line to the classroom
Single-Women Households Hurting Financially
December 23, 2008
They earn and save much less than other households
Immigrant-Owned Businesses Net $67 Billion in Income
December 12, 2008
Immigrants own just over 11% of businesses with $100,000 or more in sales
Is College Becoming Unaffordable?
December 12, 2008
Student loans will play a vital role
More Consumers Turning to Online Account Aggregators
December 12, 2008
Consumers see this as a way to save some money during a recession
Overdraft Fees Hit Young, Low-Income Consumers
December 12, 2008
Charges on small-dollar transactions stem from ATM and debit use
SafePass Could Be Next Step in Online Security
December 12, 2008
Bank of America enlists consumers to help protect accounts
Cash-Based Alternative Payments On the Rise
December 4, 2008
One-third of online retail transactions could be alternative payments by 2013
Don’t Blame CRA for Subprime Meltdown
December 4, 2008
Controversial lending law not the root cause of subprime lending woes
Employers Strive to Retain Gen Y Talent
December 4, 2008
Turnover runs high, but simple tactics can improve retention
Network Attacks Becoming More Sophisticated
December 4, 2008
Internet service providers strain to provide security despite cost pressures
Personal Profiles Can Drive Invasive Marketing
December 4, 2008
Unregulated use of consumer data enables credit even to the least qualified
Another Great Depression?
November 26, 2008
Similarities exist, but we might have learned a few things since 1929
Economic Overview
November 26, 2008
Housing Is Still the Root of Financial Turmoil
November 26, 2008
Recovery in the housing market will help restore stability in the credit markets
Middle Class Faces Precarious Future
November 26, 2008
A deep recession brings the prospect of downward economic mobility
Small Business Taking Big Hits
November 26, 2008
Employment and confidence decline, while credit remains tight
The Mother of All Economic Bubbles
November 26, 2008
Now that it has popped, recession could extend well into 2010
U.S. Credit Union Profile
November 26, 2008
Build Business Strategy on Your Brand
November 13, 2008
Branding is hard to define but essential to success
Doing More with Debit Cards
November 13, 2008
Opportunities exist with affluent cardholders and rewards programs
Holding On to Mortgage Loans—and Relationships
November 13, 2008
Some consumers seek out institutions that keep loans in-house
Holiday Spending Forecasts Weaken
November 13, 2008
Cautious consumers are another sign of a deepening recession
Online Fraud and ID Theft Are Still Major Concerns
November 13, 2008
Consumers are the front line in their own defense
Demand Rises for IT and Network Experts
November 6, 2008
Competencies required of IT workers are expanding to meet greater demands
Disruptive Technologies Reshape Markets
November 6, 2008
It often takes decades for their full effects to be realized
Mobile Banking Takes a Step Forward
November 6, 2008
M-banking will provide info about a payment instead of replacing the payment itself
Next Downturn May Be Salaries
November 6, 2008
Falling pay affects consumer spending and economic growth
Will Credit Cards Be the Next Bubble to Burst?
November 6, 2008
Some observers expect a surge of charge-offs soon
Anxiety, Stress Afflict Workplace
October 30, 2008
Economic anxiety takes a toll on productivity and retention
Credit Union Operational Reports
October 30, 2008
Employment and Benefits Snapshot
October 30, 2008
Engaged Employees
October 30, 2008
Creating highly committed employees starts at the top and ends at the bottom line
Health, Retirement Savings, and Employee Benefits Trends
October 30, 2008
HR’s Role Rises During Economic Downturn
October 30, 2008
Changes in employee benefits and staffing call for clear communication
Increase Employee Engagement
October 30, 2008
Promote Diversity in the Workplace
October 30, 2008
Look beyond race and gender to qualifications
Social Networks Enter Recruiters’ Toolkit
October 30, 2008
They’re increasingly used to attract and screen job applicants
Strategic Planning Must Include HR
October 30, 2008
Roles may include preparation, facilitation, and follow-up
Compliance Deadline Looms for ‘Red Flags’ Program
October 23, 2008
CUs are required to assess vulnerability to ID theft
Economic Forecast Remains Cloudy
October 23, 2008
U.S. economy likely to contract well into 2009
Have Home Prices Found the Bottom?
October 23, 2008
Adjustable-rate mortgages continue to reset through 2009
Phishing Is Good in a Bad Economy
October 23, 2008
Bank failures, mergers, and takeovers lead to scams targeting accountholders
Visa Unveils New Payment Alternative
October 23, 2008
Reloadable prepaid card to target underserved
Balance Expenses, Service with Micro-Improvements
October 16, 2008
Expense-reduction ideas should support the member experience
Data Security Tops Technology Concerns
October 16, 2008
Community banks spend more to meet demands of information security, compliance
Don’t Let Hard Times Derail Your Advertising
October 16, 2008
In a climate of fear, ads can reassure consumers
Set Standards to Serve Seniors
October 16, 2008
Nearly one in six Americans will be age 65 or older by the year 2020
Current Card-Reward Winner? Gas
October 9, 2008
Gas-focused cards attract new clients and offer more to consumers
FHA Takes on Subprime, Alt-A Loans
October 9, 2008
Now shunned by private lenders, risky loans migrate to government agency
It’s Tough to Recoup Bill-Pay Costs
October 9, 2008
Boosting online marketing might be a better bet
Many Older Americans Face a Mortgage Crisis
October 9, 2008
They’re hit hard and have little time to recover value
Young Consumers Live in a Web 2.0 World
October 9, 2008
Internet options and wireless phones define the next generation of members
Can the U.S. Dodge a Recession?
October 2, 2008
Latest economic turmoil could push us over the edge
Employment Slows in Financial Sector
October 2, 2008
Projected fourth quarter hiring weakest in 16 years
Fraud Forum Shares Critical Info
October 2, 2008
Collaboration among financial institutions helps fight online crime
Rebate Checks Fund Back-to-School Purchases
October 2, 2008
College students tighten up, as K-12 spending rises slightly
Tight Credit Restricts Small-business Owners
October 2, 2008
Ripple effect spreads to Main Street
Improving Sales Performance
September 25, 2008
Now More Than Ever, Sales Important
September 25, 2008
New ideas and practices can help turn the branch into a sales center
Sales & Service Webinars
September 25, 2008
Sales Success Based on Hiring, Training, Tracking
September 25, 2008
A vibrant sales culture begins with management hiring the right people and fostering a sales-oriented environment
The Impact of Loyalty
September 25, 2008
Auditing Your Sales Process is a Good Start
September 24, 2008
CUs can build on service advantage and community relationships
Disengaged Employees Will Undermine Sales Initiatives
September 24, 2008
Only about 20% of frontline bank employees are engaged and motivated
Move Your Staff from Order-Takers to Consultants
September 24, 2008
Your staff need the right combination of social skills and a drive to achieve
Consumers Paying More Bills Online
September 18, 2008
The credit card bill is the most likely one to be paid online
More Consumers Are Tapping 401(k) Loans
September 18, 2008
Strapped consumers turn to easily accessible loans to help make ends meet
Prepaid Card Use Must Overcome Hurdles
September 18, 2008
An Iowa CUSO is trying to convince employers and employees to use prepaid cards
Surcharge-Free ATMs Are Leading the Way
September 18, 2008
CU 24 and Co-op Financial Services trying to give CUs a surcharge-free alternative
U.S. Closes the Mobile Gap
September 18, 2008
U.S. has caught up with Western Europe in innovation, but still seeks payment models
Competition Update: Banks Pilot Small-Dollar Loans
September 11, 2008
Banks see these loans as the gateway to more profitable relationships
Finance Hooks Up with Social Networking
September 11, 2008
It’s all about providing connections to younger consumers
Lending Standards Continue to Tighten
September 11, 2008
Credit availability has yet to turn the corner
Mortgage Fraud Jumps Again
September 11, 2008
And the FBI expects the trend to increase
Traditional Mortgages Still the Best Bet
September 11, 2008
Low- and moderate-income borrowers are best suited for 30-year fixed-rate mortgages
Best Practices Guide Image Exchange
September 4, 2008
Consider the business case for check-processing technology
Commercial Property Loans Next to Tumble?
September 4, 2008
As consumer credit goes south, commercial credit could follow
Competition Update: Banks Mull Teen Card Market
September 4, 2008
Prepaid debit could help young people learn financial responsibility
Ethnic Minorities Lag in Credit Card Ownership
September 4, 2008
About half of Hispanics own credit cards
Home Sales Rise from 17-Year Low, Inventory Drops
September 4, 2008
Good news, but no market turnaround yet
Buyers' Guide to Technology
August 27, 2008
Competition Update: Banking on Business in 2015
August 27, 2008
Technology is key in a rapidly changing market
CU Technology: Priorities and Budgets
August 27, 2008
Executive Oversight Boosts IT Success
August 27, 2008
Project failure often comes from people issues, not technology
IT Strategic Planning
August 27, 2008
Technology Spending Tracks with Economy
August 27, 2008
Financial institutions are trying to get more out of existing systems
What To Do With Your Core System?
August 27, 2008
Smaller institutions are upgrading older legacy systems
Consumer Cutbacks Changing U.S. Economy
August 21, 2008
Gen Y could be most affected by a long-term trend toward frugality
Discretionary Spending Off, Consumer Pessimism Reaches New Low
August 21, 2008
Battered by food and fuel prices, households cut back on major purchases
Education Important to Small Businesses
August 21, 2008
Accounting and financial information help strengthen relationships
Enter New Remittance Technologies
August 21, 2008
Smaller operators could be disrupted by mobile applications
Fine Tuning the 401(k)
August 21, 2008
Employers enhance their plans to meet recruiting and retention challenges
Companies Admit E-Mail is an Unplugged Leak
August 14, 2008
Most firms can't prevent employees from e-mailing confidential data
Competition Update: Banks Try Securitizing CDs
August 14, 2008
The proposal could alleviate deposit pressures on banks and help raise capital
Credit Card Issuers Offering More Options
August 14, 2008
They’re adopting variable rates and multiple plans
Despite Economy, Retirement Assets Keep Growing
August 14, 2008
Assets held in IRAs and 401(k)s increased 11% from the pervious year
High Fees and Poor Service Send Young Consumers Packing
August 14, 2008
Younger consumers will probably always be less loyal than their elders
Lenders, Know Your Borrowers
August 6, 2008
Credit unions provide a clear alternative to risky mortgage securitization
Mobile Payments Shaking Out
August 6, 2008
Decisions to be made on use of ACH, ATM, or card association networks
Most Middle-Class Retirees Will Outlive Retirement Savings
August 6, 2008
Those without guaranteed income will need to reduce their standard of living
Shopping for Student Loans Could Threaten Credit Ratings
August 6, 2008
Fair Isaac thinks it’s rare, but lenders and student-loan brokers think it’s common
What About a Super-Simple Retirement Savings Plan?
August 6, 2008
The U.S. could follow the U.K.’s lead to help with retirement savings
2008 Financial Literacy Survey
August 1, 2008
The first step is identifying what consumers know about their finances
Consumers Misjudge Their Credit Ratings
August 1, 2008
Lack of information, overconfidence, lead to bad financial decisions
How Do You Spell 'Solvency'?
August 1, 2008
When it comes to financial illiteracy, what you don't know can hurt you
Ignorance Lands Americans in Debt
August 1, 2008
Part of the solution may be simplicity in financial products and services
Retirement Planning Hinges on Financial Knowledge
August 1, 2008
People who plan build more wealth and are better prepared for their retirement years
Biometric Progress
July 24, 2008
ISO standard means identification technologies are becoming more acceptable
Branch Success Depends on Details
July 24, 2008
Start with a clear strategy that meets local needs
CEOs Need Greater IT Understanding
July 24, 2008
Opportunities are lost in coordinating business strategies
Consumers Wary of Next-Generation ATMs
July 24, 2008
Image scanners are designed to gather deposits, but security concerns threaten adoption
Credit Unions Are Safe and Sound
July 24, 2008
Now may be a good time to remind members of deposit safety
Doing Good by Doing Well
July 17, 2008
When does microfinance become profit-taking from the poor?
Expand Your Mortgage-Lending Reach
July 17, 2008
Technology brings dramatic opportunities among ‘thin-file’ borrowers
Housing Downturn Pressures the Economy
July 17, 2008
Slump in housing market hasn’t yet run its full course
Loan Pain Detailed Online
July 17, 2008
Mortgage lender misery registers on the Implode-O-Meter
Running on Fumes
July 17, 2008
Gas prices add to strained family budgets
Bankruptcy Rates Soar Among Seniors
July 11, 2008
Experts say health-care costs are the prime suspect
Employee Engagement Similar Across Generations
July 11, 2008
Multigenerational teams offer a healthy blend of skills and experience
Open Innovation in Products and Services
July 11, 2008
Collaborative creation by online consumers is still in its infancy
Penalty Fees Increase for Overdrafts
July 11, 2008
It’s another sign of the earnings squeeze at financial institutions
Be Creative with Social Media Tools
July 2, 2008
Marketers are still experimenting with new Web resources
Competition Update: Next-Generation Marketing
July 2, 2008
Localized search engines and targeted e-mail are high priorities
Make the Most of Digital Touchpoints
July 2, 2008
Leverage interactive tools to create effective online strategies
Metrics, Strategies, and Word-of-Mouth Campaigns
July 2, 2008
New Markets, New Messages
July 2, 2008
Online Tools Transform Marketing
July 2, 2008
You don’t have to use them all—just pick one, use it well
Skip Microtrends and Go Straight to Macrotrends
July 2, 2008
Marketing strategies are shifting from traditional to alternative media
Consumers Want Major Changes in Health Care Design, Delivery
June 19, 2008
Survey has implications for providers, health plans, and employers
Offering Retirement Plans to Small Business
June 19, 2008
Getting in on the ground floor may yield decades-long relationships
Pain Persists in Housing Market
June 19, 2008
Foreclosures jump nearly 50%, delinquencies also up in key states
Small Business Lending Accelerated in 2007
June 19, 2008
Number of small loans up 15%, dollar value up 8%
Vacation Time: It’s Essential to Your Health
June 19, 2008
The risk of heart attacks rises among those tethered to the office
Call Centers Are Doing More With Less
June 12, 2008
Financial institutions can’t afford to cut back on customer service
Consumers Give Branded Gift Cards High Marks
June 12, 2008
Users report high levels of satisfaction
Reaching the Underserved Requires Innovation
June 12, 2008
The checking account might not be the best entry product for the underserved
Sales Leadership Strategies
June 12, 2008
Front-line managers are critical to supporting a sales environment
Workplace Mental Health Problems Can Be Costly
June 12, 2008
Workers with ADHD could lose nearly a month’s work per year
Avoid Common Flaws in Diversity Training
June 5, 2008
Reinforcement, metrics help focus programs on changing workforce
Consumers Tap Savings to Meet Living Expenses
June 5, 2008
Many prefer online option to resolve late payments
CUs Offering Scooter Loans
June 5, 2008
Rising gas prices boost sales of smaller vehicles
Market Sends Mixed Messages on Mobile Banking
June 5, 2008
Security concerns slow acceptance
Position Your CU Now for an Economic Upturn
June 5, 2008
It’s time to assess branch efficiency and product performance
CU360 FAQ
June 1, 2008
This FAQ answers questions you may have about CU360.
Don’t Forget the Megatrends
May 29, 2008
How will your CU deal with disintermediation, competition, and commoditization?
Dos and Don’ts of IT Strategic Planning
May 29, 2008
Prioritize projects, analyze risk, and predict the likelihood of change
Make Planning Personal
May 29, 2008
Encourage employees to be full participants in the process
Bad Assumptions Kill Good Strategies
May 28, 2008
Use “assumption management” techniques to protect your planning process
E-Scan Top 10 Insights
May 28, 2008
E-Scan Top 10 Trends (PowerPoint)
May 28, 2008
NCUA Focus on Planning
May 28, 2008
Consumers Prefer One Card
May 22, 2008
Other payment options sit in the wallet
Is Remote Deposit Capture Worth the Investment?
May 22, 2008
Pricing is the key to attract small-business accounts
Know Where You’re Going
May 22, 2008
Choosing a new branch location demands thorough planning
Payday Lenders Pose a Threat
May 22, 2008
To fight back, offer short-term products that retain your member base
The Cell Phone is Number One
May 22, 2008
It’s more important to people than their wallet or keys
More Shareholders Having Their Say on Executive Pay
May 15, 2008
Investors give thumbs up or down on the compensation committee’s work
Multi-Generational Employment Is Essential
May 15, 2008
Gen Y employees are key to reaching Gen Y members
Pew to Set Account Standards for the Underserved
May 15, 2008
Fringe bankers charge consumers more than $800 each a year to cash paychecks
The Future of Decoupled Debit is Uncertain
May 15, 2008
Capital One’s pilot is over. Now what?
Women Face Unique Retirement Challenges
May 15, 2008
They have lower savings rates and might invest too conservatively
Are All Member-Contact Employees on the Same Page?
May 8, 2008
Members expect seamless service across all delivery channels
Help Low-Income Members Build Assets
May 8, 2008
The strategy can help you add members and build loyalty
Lessons From the P2P Community
May 8, 2008
Consumers are now dictating the terms of their financial relationships
Small-Business Start-Ups Remain Strong
May 8, 2008
Latinos outpace all other ethnic groups as entrepreneurs
Turn Your Branch ‘Green’
May 8, 2008
Here are some ways to build and maintain an eco-friendly branch
Competition Update: Innovation in High-Interest Savings Accounts
May 1, 2008
One bank is combining the product with social networking
Could the Subprime Mess Be Just the Beginning?
May 1, 2008
It could get worse if California's prime borrowers start walking away from their homes
Opportunities for Branch Expansion
May 1, 2008
It might be time to move ahead while others hold back
Plastic Adds to Student Debt
May 1, 2008
Some states banning credit-card solicitations on campuses
Cultivate Membership Growth
April 24, 2008
Innovative strategies attract and retain members
Female Consumers Now an Influential Market
April 24, 2008
Women are at the helm of 40% of privately owned businesses
Future Looks Bright for Global Banking
April 24, 2008
The industry is expected to more than double its profits in the next decade
Gauge Loyalty Early and Often
April 24, 2008
Financial institutions do “tolerably well” when it comes to providing basic services
Help Young Members Understand IRAs
April 24, 2008
Nearly 90% don’t understand them—but wish they did
15 Fastest Growing Credit Unions
April 23, 2008
Credit Union Growth Task Force
April 23, 2008
Hispanic Resources
April 23, 2008
Can Savings Bonds Make a Comeback?
April 17, 2008
Two new initiatives help consumers build savings
Consumer Delinquencies at 15-Year High
April 17, 2008
Weak economy means problems will persist
Momentum Builds for Mobile Banking
April 17, 2008
Consumers are ready, but will revenues follow?
Processors Connect CUs to Mobile Services
April 17, 2008
Core technology is key for small to mid-size institutions
Retirement Savings, Worker Confidence Low
April 17, 2008
Concerns about health care, economy have many worried
Branch Expansion Slows With Economy
April 10, 2008
Financial institutions are becoming more opportunistic
Guidance for Business Continuity Planning
April 10, 2008
FFIEC offers guidelines to help your CU plan for a pandemic
Money Management Takes to the Web
April 10, 2008
In tough times, consumers have greater interest in financial management
New Scam in the Neighborhood
April 10, 2008
It’s a complex scheme called ‘house stealing’
Prepaid Cards Oversold?
April 10, 2008
The prepaid debit card market might be smaller than first thought
ID Theft Goes Low-Tech
April 3, 2008
Threats often come from friends and family, with victims reluctant to prosecute
Japan and Sweden Have Been Down This Economic Road
April 3, 2008
Both countries offer valuable lessons of what to do—and what not to do
Lawmakers Call for Tighter Supervision of Investment Banks
April 3, 2008
Some say it’s the price that must be paid in exchange for access to emergency cash
Peer-to-Peer Lenders Are Attracting Prime Borrowers
April 3, 2008
Credit crunch is sending people with good credit ratings to P2P sites
Take Advantage of a Recession
April 3, 2008
Increased advertising during a downturn can improve market share and ROI
Due Diligence: What the Heck Is It?
April 1, 2008
The goal is to uncover hidden traps associated with a proposed business action
Eight Steps to Manage Risk
April 1, 2008
Due diligence is ongoing—it doesn’t end when the contract is signed
NCUA Key Examination Issues
April 1, 2008
Selecting and Managing IT Vendors
April 1, 2008
The process plays a big role in your IT department’s overall success
Strategic Outsourcing
April 1, 2008
Assess how outsourcing will support business goals
The Risk Intelligence Series
April 1, 2008
Third-Party Performance Standards
April 1, 2008
Avoid contracts that lock in your CU without adequate performance measures
Competition Update: Banks Make Their Beef with FDIC
March 20, 2008
Subprime mortgage crisis leads the way
Guidance Coming on Remote Deposit Capture
March 20, 2008
A new CUNA tech survey shows more than one-third of large CUs offer RDC
More Employers Offer Training on Privacy Issues
March 20, 2008
Federal requirements are expected to filter into the private sector
Recession Prospects: Are We There Yet?
March 20, 2008
Economists differ, but opinions range from bad to worse
You Can’t Hear Them, But “Zombie Armies” Are Marching On
March 20, 2008
Botnets continue to grow, infecting up to 40% of PCs
Census Bureau Reports Technology Spending
March 13, 2008
Business spent $250 billion on technology infrastructure in 2006
GAO Examines Bank Fees
March 13, 2008
Oversight agency believes consumers need more information about fees
GAO Studies Use of CTRs
March 13, 2008
Study finds need for clearer rules on exemptions
More Homeowners Giving Up
March 13, 2008
They’re throwing in the towel even before rates reset
Subprime Rescue Plans Benefit Banks Primarily
March 13, 2008
Taxpayers foot the bill to finance bailout plans
Competition Update: Banks Deploying Web 2.0
March 6, 2008
“You need to do something. It’s not an option any more.”
Demand for Broadband Will Continue Through 2011
March 6, 2008
There has been ‘explosive growth in network traffic’
Immigration Fueling U.S. Population Growth
March 6, 2008
Hispanics will make up 29% of the U.S. population in 2050
Lenders Go Long With Auto-Loan Terms
March 6, 2008
More durable cars and a weak economy affect sales and credit
Payday Lenders Find a New Market
March 6, 2008
High-interest lenders target the elderly and disabled
CUs Offering Business Lending Services
March 1, 2008
Emerging Markets Hold Mortgage Potential
March 1, 2008
Minority homebuyers represent best opportunity for mortgage lenders
Franchisees Represent Untapped Loan Market
March 1, 2008
Most franchise owners need loans to get started
Loan Growth Is Possible—Even In This Economy
March 1, 2008
Strategic planning can help CUs identify lending opportunities
Mortgage Market Struggles, Ads Continue
March 1, 2008
Mortgage companies pump out upbeat advertisements; CUs praised as "lifeline"
CU Role in Small Business Market
February 27, 2008
Lender Risk and Liability
February 27, 2008
Competition Update: New Credit Card Rolling Out
February 21, 2008
Anonymous cards and low merchant fees look to entice users
Employers Are Slow to Transform HR
February 21, 2008
HR departments need to be aligned with strategic business objectives
Fed Looks at Lending Landscape
February 21, 2008
Numbers point to tighter credit standards, less demand
Move Over Mortgage Meltdown, Here Comes the Credit Card Crisis
February 21, 2008
Card issuers are raising rates and lowering ceilings
Upside Down in the Mortgage Market
February 21, 2008
Many Americans now owe more than their homes are worth
A Wave of Foreclosures in 2007
February 14, 2008
Nevada, Florida, and Michigan have highest foreclosure rates
Competition Update: Opportunity in the Credit Crunch
February 14, 2008
Nonbanks are best poised to leverage inroads with the underbanked
Critical Issues and Trends for 2008
February 14, 2008
This will be a year of managing through uncertainty
The Branch vs. Remote Deposit Capture
February 14, 2008
Is the industry operating at cross purposes?
Where’s the Interest in Text Alerts?
February 14, 2008
Consumers need extraordinary reasons to sign up for and use alerts
Americans Weigh In On Health Care Reform
February 1, 2008
Most survey respondents see employers, individuals, and the government sharing the load
Change the Game
February 1, 2008
Innovation can distinguish CUs from the competition
Cleaning Up the Foreclosure Mess
February 1, 2008
Can community-based financial institutions play a role?
Consumers Warned to Avoid Tax-Refund Loans
February 1, 2008
Fees from refund-anticipation loans are approaching $1 billion
Cultivate Staff Creativity
February 1, 2008
Take your team beyond simple brainstorming
David vs. Goliath in Financial Services
February 1, 2008
Size brings advantages, but a focus on service helps level the field
Foreclosure Is Still the Most Common ‘Fix’
February 1, 2008
Mortgage lenders slow to modify loan terms
How to Become a ‘Serial Management Innovator’
February 1, 2008
What can your CU learn from unconventional organizations?
Innovation, the IDEO Way
February 1, 2008
The right tools can help you structure a complex process
Need a Little Help With Innovation?
February 1, 2008
Filene’s i3 group exists for that very purpose
Need for Innovation
February 1, 2008
Competition Update: Tech Budgets Focus on Data Security
January 24, 2008
Community banks spare no expense in protecting data
Member Advocacy Drives Loyalty, Growth
January 24, 2008
Uphold your members’ interests and they’ll reward you by using more services
Social Security to Issue Debit Card
January 24, 2008
It’s intended to provide convenience, savings, and security for underserved recipients
Study Sheds Light on Branch Performance
January 24, 2008
Expansion to accelerate over next three years
Subprime Crisis Hits Women
January 24, 2008
Women at all income levels receive more high-cost loans than men
A Wild Ride in the Mortgage Market
January 17, 2008
Mortgage rates fall; delinquencies and applications rise
Build Your Payments Strategy on Checking Accounts
January 17, 2008
Deposit accounts present opportunities for competitive differentiation
Credit Card Debt Soars as House Prices Plunge
January 17, 2008
The current rate of house-price decline will consume $2.2 trillion this year
Don’t Let Valuable Experience Retire with Baby Boomers
January 17, 2008
Planning for the organized transfer of knowledge requires long-range thinking
Expect IM Attacks in 2008
January 17, 2008
Instant messaging provides one more way for thieves to access your data
Are Texting Services Here to Stay?
January 10, 2008
While not a ‘killer app,’ it’s an easy way to launch mobile services
Are You Planning for a Pandemic?
January 10, 2008
FFIEC publishes guidance to help you prepare
Competition Update: To Reward or Not to Reward?
January 10, 2008
Rewards aren’t as appealing to online shoppers
IRA Assets Continue Strong Growth
January 10, 2008
Most growth was in mutual funds and self-directed brokerage accounts
Top Business Tech Trends for ’08
January 10, 2008
Executives have an opportunity to create change rather than merely react to it.
ID Thieves Stealing Large Amounts from CU HELOC Accounts
January 9, 2008
CUNA Mutual alerts policyholders to scams and offers prevention recommendations
Competition Update: Banks Race to Control Deposits
January 7, 2008
An industry shakeout focuses attention on size, safety, and local control
An Enterprise-Wide View is Essential to Fight Fraud
January 1, 2008
Fraud is becoming a cross-channel problem, and so must the solutions
Cyber Crooks Target Social Networks
January 1, 2008
Consumers might have some unwanted ‘friends’ on social networks
Debit Cards Also Popular with Fraudsters
January 1, 2008
Both sides are using sophisticated technology
Do You Have a Breach-Response Plan?
January 1, 2008
Plans must be flexible enough to meet emerging security threats
Competition Update: Banks Turn to Behavioral Science Tools
December 27, 2007
Being all things to all people is seen as a hindrance to making a profit
Consumer Spending Slowdown to Follow Mortgage Meltdown
December 27, 2007
Recession or not, families will be forced to tighten their belts
Help Members Manage Gift Card Grief
December 27, 2007
They’re convenient, but many cards go unused
Subprime Mortgage Problems Were Evident in 2005
December 27, 2007
Home-price appreciation masked risk as the quality of the market deteriorated
Theft of Personal Data Spikes
December 27, 2007
Lost records more than triple this year
Competition Update: Banks Deploying Image-Scanning ATMs
December 13, 2007
Machines can accept up to 30 checks per deposit
Electronic Payments Continue Double-Digit Annual Growth
December 13, 2007
Growth comes at the expense of paper checks
Fake Checks and Online Fraud Are Thriving
December 13, 2007
Fraudsters use a quirk in the check-cashing system to bilk consumers
Mobile Adoption Hindered by Security Concerns
December 13, 2007
Peer-to-peer, bill-pay services attract interest, but financial institutions might need to offer zero liability
This Year’s Crystal Ball Is a Little Gloomy
December 13, 2007
Financial service executives see a rougher road ahead
Competition Update: Effect of Online Banks May Be Limited
December 6, 2007
Internet-only banks are serving only a small segment of the market—so far
Health Costs Up, Coverage Down
December 6, 2007
U.S. employers’ health-benefit cost rise at twice the rate of inflation
HR Execs Say Employees Need Member-Relations Training
December 6, 2007
But branding initiatives are getting all the funding
ID Thieves Lurk On and Beyond the Net
December 6, 2007
New findings reveal identity theft perpetrators, victims, and methods
Latino Homeownership Rates on the Rise
December 6, 2007
But the subprime mortgage crisis threatens recent gains
Companies Take More Control Over 401(k)s
December 31, 1969
An aggressive approach attempts to secure workers’ retirement
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