Articles by Patrick Totty
Revenue from member investment programs helps CUs counteract lower interest income.
July 24, 2012
Members crave unbiased information from an institution they trust.Read More
Technology gives CUs the edge in delivery systems and marketing.
July 1, 2012
The trend in ATM design is toward a higher level of predictive analytics and the ability to feed real-time information to the cloud.Read More
CUs reshape loyalty programs in anticipation of lower interchange fee income.
May 15, 2012
The Durbin amendment is like a big earthquake: Those closest to the event experience the most severe trauma. Those further away experience less shock but still feel uneasy.Read More
ALM tools help CUs determine which loans best fit their balance sheets.
April 11, 2012
It doesn't take a mind reader to know one of the top questions facing CUs: “Will we be able to increase lending this year?”Read More
Expect more scrutiny on fair lending and other consumer-focused issues.
March 11, 2012
CUs can expect to face three major regulatory compliance issues this year: safety and soundness, fair lending, and Unfair Deceptive Abusive Acts and Practices.Read More
Commercial credit cards provide access to new revenue opportunities.
February 7, 2012
CUs have a history with consumer credit cards, and many are expanding into business credit card services with a minimum of pain and fuss.Read More
Tools of the Trade
Impending regulations are ‘more fast-track than ever before.’
January 4, 2012
CUs face a jumble of new mortgage regulations in 2012.Read More
Tools of the Trade
Mining member records helps CUs unearth a treasure trove of data.
December 19, 2011
Too many CUs either fail to segment or use obsolete segmentation schemes.Read More
Some mobile banking security fears are based on the unknown.
November 19, 2011
Mobile security is an integral part of any security discussion.Read More
Auto remarketers handle all aspects of the repossession process.
October 15, 2011
Auto repossessions are as American as apple pie, reaching nearly three million during the depths of the Great Recession.Read More