Filene Research Institute

Through independent research and innovation, the Filene Research Institute explores issues vital to the future of credit unions and consumer finance.

CU Tomorrow Blog

  1. Three Credit Union Leaders on the Opportunities for Young Professionals

    Credit Unions and Social Responsibility

    Steve Delfin, National Credit Union Foundation

    categories » CU Tomorrow, Human Resource Issues, Management, Podcasts and Videos, Young Adult Recruiting

  2. Reaching Generation Debt: New Products and Services

    • Anya Kamenetz, Staff Writer, Fast Company Author, Generation Debt
    • Jun 5, 2009 1 Comment
    Anya_web

    In Filene’s final CU Tomorrow brief we invite Anya Kamenetz, a staff writer at Fast Company magazine and the author of Generation Debt, to address the question: How can credit unions better serve young adults?

    Included is Kamenetz’s take on the core financial issues facing young adults in America and how credit unions, as innovative member-owned cooperatives, can ease young adults into the financial mainstream while acting in their best interests.

    categories » CU Tomorrow, Podcasts and Videos, Young Adult Recruiting, Young Adults and Families

  3. Interview: Addison Avenue FCU on finding new targets

    Addison_ave_screenshot

    Addison Avenue FCU gets it. Strong products. Good online delivery. They tested out the Zopa model in 2007. They’re offering high-interest checking. Their forays into social media have been modest but stable.

    I spoke with Jonathan Gowins, Addison Avenue’s ecommerce, social media manager about approaching young adults and about one improvement in particular.

  4. Promise and Peril: Selling in the Social Network

    Facebook_revenue

    Do friends influence purchases on social networks? Yes, but that’s not always good for the seller.

    categories » CU Tomorrow

  5. Change has come to … your credit cards

    3274955487_766014dab1

    Without a deep dive into Reg Z, the Schumer Box, or anything official, here’s a Consumer Reports summary of the changes to credit card rules passed by Congress in the last two days.

    categories » CU Tomorrow, Economic Issues - Policy, Lending, Regulation and Deposit Insurance

  6. Checking, Evolved

    Wiredtiredexpired
    Wired. Tired. Expired. That’s the formula Wired magazine has been using for years to convey what’s compelling and what’s cliché. Let’s try this:
    • Wired: Relationship checking
    • Tired: Free checking
    • Expired: Fee-based checking

    categories » CU Tomorrow, Innovation, Marketing, Consumer Behavior and Market Research, Young Adults and Families

  7. Tremor of Change: Delta Community hires Wesabe

    Deltawesabe

    Funny how these things work. Just yesterday I was with a group of Wisconsin credit unions discussing when personal financial management (PFM) tools like FinanceWorks (basically a Quicken plugin for online banking) and Amplify’s excellent Money Tracker would be more integrated into online banking applications. Today, I spotted this announcement that Delta Community Credit Union in Georgia would integrate Wesabe’s PFM into their site.

    categories » Innovation, Marketing, Consumer Behavior and Market Research, Young Adults and Families

  8. The problem with youth savings week

    Pennies

    Youth Week kicked off on Sunday with young credit union members around the country eligible to win $100 and $250 rewards from the Credit Union National Association (CUNA) for making deposits. Savings drives like this make for good PR, but they won’t solve credit unions’ problems with young adults.

    categories » Young Adults and Families

  9. To fee, or not to fee: The courtesy pay conundrum

    Debit_terminals

    There’s a storm brewing on the Community Development Banking listserv (private, but open to new members). Arguing in one corner are those that see overdraft protection as a valuable member service (and institutional moneymaker), and in the other are those who see the attendant fees (especially for consumers who unwittingly opt-in) as expropriation. Like all interesting debates, it pits two reasonable but competing points of view against each other … both of which are missing the point.

    categories » Consumer/Member Data, CU Tomorrow, Marketing, Consumer Behavior and Market Research, Young Adults and Families

  10. Do’s and Dont’s for Young Adult Marketing

    Subcat_screen_grab

    Do: Market to parents and take a long-term ROI view. Don’t: Talk down to young adult segments or try too hard to be cool. All that according to a great interview with James Flores of Subcat Marketing over at The Financial Brand.

    categories » CU Tomorrow, Marketing, Consumer Behavior and Market Research, Young Adults and Families

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