Articles by James Collins

Technology for What Purpose?

Make sure technology benefits your members, not just your operations.
When a CU considers automation it should ask how it will help the average person.
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The Strategy of Hope

 You might be surprised by the power of a tiny loan.
We've all been there: A member applies for a small loan. “Start-up money,” she says, “for a new business venture. Not much, I only need a few thousand.”
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Will EMV Chips Reduce Card Fraud?

Major credit card firms are trying to transition to a more secure card.
Major credit card firms are trying to transition to a more secure card.
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Project Management 101

If you think you can ‘do it yourself,’ think again.
For years, I was an executive at a sign manufacturing company. We specialized in massive projects—from a million-dollar scoreboard at a pro football stadium to a multistate bank branding change involving hundreds of locations.
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Branching Out

Top 10 ‘Additional Triggers’

Red flags examiners should watch for as signs that a CU is failing.
The recent GAO report regarding NCUA and failed CUs was an eye-opener.
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Branching Out

Artificial Intelligence Is Better Than None

Not even Apple’s ‘Siri’ can put a positive spin on the outlook for 2012.
Economists predict housing sales will be flat, small-business optimism will remain low, and jobs will be scarcer than a rotary phone.
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Branching Out

The First Hurdle: Learn the Lingo

If you don’t manage your CU’s risks, they’ll manage you.
One of the most difficult aspects of the risk management process is learning the lingo.
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On Pirates And Profitability

The secret to member profitability is unproven, unstatistical, and inherently anecdotal.
A salesperson's recent pitch for mobile banking reminded me of the way retailers used to sell bell-bottom jeans.
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Lessons Learned  In Auto Lending

With auto sales stagnant, loan competition is fierce.
My CU's auto loan portfolio recently plummeted. It was no surprise, because lately the local auto dealership has been as empty as a politician’s promises.
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I’m Not an FTE

There’s often a deeper meaning behind job applicants’ responses.
Lately I've been interviewing job candidates and the air has been full of buzzwords.
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