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Items Tagged with 'retail'
CUNA Payments Roundtable
Six Factors That Will Change the Future of Payments
‘Creative destruction is the new norm.’
May 6, 2014
Checking account remains a valuable asset for CUs.
Teaming Up With Walmart
Many CUs enjoy a healthy relationship with the retail giant and garner thousands of new members.
May 31, 2012
While some see Walmart as a threat, some credit unions see opportunity and enjoy a healthy business relationship with the retail giant.
Financial Services Undergoing ‘Secular Shift’
Four forces will fuel the shift to a slow-growth, high-cost operating environment, analysts predict.
March 1, 2012
The financial services industry is transitioning from a high-margin business to a low-margin undertaking.
BAI Retail Delivery
It’s Time to Deconstruct the Branch
The traditional branch model has outlived its usefulness.
October 11, 2011
Today’s banking experience is less about place and more about touch points. Deconstructing the branch allows financial institutions to match these touch points to customers’ needs.
NRF Forecasts 2.3% Holiday Sales Increase
Total holiday sales expected to reach $447 billion.
October 18, 2010
After a ho-hum 2009 and a disastrous 2008, holiday retail sales are expected to increase 2.3% this year to $447.1 billion, according to the National Retail Federation.
Credit Union Magazine
October 2014 digital edition
Apple Pay Will ‘Chew Into’ Interchange Revenue
CUNA Tech/OpSS Conference Concludes
Sievewright: Buckle In for a Transformative Decade
Three Components to Meaningful Conversations
Illuminate the Frequency of Fraud
While I thought that the premise of the article was good, I found one point very disturbing. It is that the Visions FCU ages people off their board at age 70. I found that really offensive. It perpetuates what I believe to be the regrettable marginalization of elders in our society, and the often erroneous assumption of debility and decline after a certain chronological age. Lots of folks over 70 are leading dynamic and viable professional lives and contributing to our society. How about Warren Buffet, a number of Supreme Court Justices, Jimmy Carter, the late Nelson Mandela and the late Maya Angelou, to name but a few, along with scads of writers, academics, performers, artists, and often our friends, neighbors and colleagues. If Visions wants new people on their board, it seems as though the term limitations and a nominating committee can accomplish that without aging all people off at age 70. I think that’s so insulting. And if those were paid employment, it would be illegal. I do wish you’d have picked a different credit union to profile---one that perhaps does many of the same things, without the arbitrary age exclusion. There have to be others out there.
David, good point about the "recovering comfortably" comment. That was an editorial addition--which I'll remove.
Many good points but too rosy? Will the "Federal Reserve raise short-term interest rates 1% per year for the next three years, starting in 2015—“probably next year at this time” ? I have heard from other economist that the US government will go bankrupt if that happens due to the QE the fed has done for several years. Also it seems an exaggeration to say “We survived a heart attack,now the economy is recovering comfortably." Comfortably recovering is too ignore the economic stress that many members still live with daily that will eventually affect many credit unions.
Karan, Great article and insight. I would also recommend that you start getting those credit cards into the hands of the youth BEFORE they are in college. One of the best ways to reach this young generation is through mom and dad. Before the student goes to college, get them started with a credit card (even if mom and dad are joint on it). It's never too early to start marketing credit cards. Mark
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