Articles by Patrick Totty

Boost Returns on Your Human Capital

New performance-management and appraisal tools help CUs find staff with the right skills.
August 13, 2012
Hiring, training, developing, and compensating employees accounts for 53% of expenditures at most companies.
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Help Members Navigate Investment Waters

Revenue from member investment programs helps CUs counteract lower interest income.
July 24, 2012
Members crave unbiased information from an institution they trust.
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ATMs, Kiosks Continue to Evolve

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.
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Durbin Amendment Shakes Up Debit Rewards

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.
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A Balance Sheet Balancing Act

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?”
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Compliance: The Consumer Is King

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.
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Taking Care of Business Cards

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.
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Tools of the Trade

CUs Navigate the Mortgage Reg Maze

Impending regulations are ‘more fast-track than ever before.’
January 4, 2012
CUs face a jumble of new mortgage regulations in 2012.
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Tools of the Trade

Member Databases a ‘Gold Mine’

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.
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Mobile Providers Tackle Security Concerns

Some mobile banking security fears are based on the unknown.
November 19, 2011
Mobile security is an integral part of any security discussion.
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