Articles by Lora Bray

What’s the Secret to Success? Questions!

We all want better answers, but first we need to ask the right questions.
Lora Bray
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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.
Lora Bray
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‘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.
Lora Bray
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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.’
Lora Bray
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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.
Lora Bray
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‘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.
Lora Bray
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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?
Lora Bray
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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.
Lora Bray
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The digital transformation is changing how financial institutions interact and serve consumers.
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Student Loan Debt Inhibits American Dream for Many

Pursuit of the American Dream—and higher education—often carries a big price tag.
Lora Bray
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Student debt prevents many young adults from achieving financial goals, such as buying homes.
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Help Members Conquer Their Financial Fears

Inertia keeps many people from moving their money to more affordable providers.
Lora Bray
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Retirement remains Americans’ top financial worry. 
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