Articles by Lora Bray

Soak up the Sun, Sing in the Rain

Help members save for a rainy day.
Roughly one-fourth of consumers have no rainy-day fund.
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Research Roundup

Help Consumers Celebrate Financial Independence

For too many, poverty stands in the way of financial independence and a comfortable lifestyle.
Partnerships and collaboration can help create financial security.
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What’s the Secret to Success? Questions!

We all want better answers, but first we need to ask the right questions.
Curious people are better able to define clear objectives and identify potential opportunities, research show.
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Take a Selfie!

Image repair does not occur easily.
‘The No. 1 challenge for banks is differentiating themselves from other financial firms that have bad reputations.’
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The Great Recession: Still on Shaky Ground?

The recession may be over, but many consumers have yet to find solid financial ground.
How can you help members find financial highs while confronting recessionary tremors underfoot?
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Lollipops, Dog Biscuits, and the Evolving Branch

Back in the day, everyone was happy visiting the branch—‘even the dog left the CU with his tail wagging.’
Expect the traditional branch to shift to assisted self-service.
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Our Employment Situation: What Is America Singing?

The employment picture is improving overall, but it remains fuzzy for young workers.
‘Job prospects for young high school and college graduates remain dim.’
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Housing: Residence or Investment?

Home prices have been rising for 28 consecutive months.
Americans favor real estate as the best long-term investment.
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Bridge the Trust Gap

How does your CU instill and maintain consumer trust?
Converting disengaged customers into fully engaged customers could open up billions in deposits and investable assets.
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Digital Disruption: Bust or Blockbuster?

Transforming member relationships can be both good—and risky.
The digital transformation is changing how financial institutions interact and serve consumers.
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