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Research Reports

Research is our middle name. Dig in! Below is over 20 years’ worth of research helping credit unions survive, thrive, and solve problems for consumers.

Lower Interest for Timeliness (LIFT) Pilot: Final Report

Lower Interest for Timeliness (LIFT) Pilot: Final Report

Lenders have always relied on financial punishment and penalties to ensure borrowers repay their loans on time. Rarely do we ever see borrowers being rewarded for responsible and timely repayment. In 2011 an i³ group sought to explore this issue. The result was LIFT: a product concept designed to lower...

The Consumer Experience: Financial Institution Preference and Usage Factors

The Consumer Experience: Financial Institution Preference and Usage Factors

Today's consumers confront a variety of banking options. Factors like personal trust, household income, and convenience all weigh, in different ways, on consumers' preferences between and among banks and credit unions. This report analyzes consumer survey data to better understand these usage factors and allows productive comparisons between institutions. The data...

Design Thinking and Cross-Disciplinary Collaboration: UW Design Summit III

Design Thinking and Cross-Disciplinary Collaboration: UW Design Summit III

Design thinking is a methodology that applies cross-disciplinary collaboration, creativity, and ideation to any problem. It is a set of tools that puts people at the center of design and development. Credit unions have begun to leverage design thinking to strengthen their problem-solving processes.  Recently the University of Wisconsin-Madison held...

Singularity University - National Credit Union Roundtable Project: Overview and Conclusions

Singularity University - National Credit Union Roundtable Project: Overview and Conclusions

Singularity University (SU) was established to assemble, educate, and inspire a new generation of leaders who strive to understand and utilize exponentially advancing technologies to address humanity’s grand challenges. One of SU’s flagship programs is a 10-week summer session for graduate and postgraduate students. The 2012 program generated 3,000 applicants...

Only Up: Regulatory Burden and Its Effects on Credit Unions

Only Up: Regulatory Burden and Its Effects on Credit Unions

Well-functioning regulation is necessary for the working of modern financial organizations and markets. However, legislative regulation can be particularly taxing and burdensome for smaller credit unions. The experiences of credit unions in Canada and the United States are slightly different. In Canada, credit unions in the largest quartile bear one-fifth...

Attributes and Skills of High‑Performing Sales and Service Staff

Attributes and Skills of  High‑Performing Sales  and Service Staff

Hiring the right frontline staff members who can create a member-centric culture while delivering on sales and productivity goals is a challenge. The key is to identify attributes that will help deliver service excellence. This research takes as a given that credit union sales and service culture should be member...

Gen Y Personal Finances: A Crisis of Confidence and Capability

Gen Y Personal Finances: A Crisis of Confidence and Capability

Generation Y is the largest, most diverse generation America has ever seen. Generation Y is made up millions of individuals born between the late 1970s and the mid 1990s. While this generation is young, ambitious, educated, and optimistic, many Gen Yers lack adequate personal financial management skills. As a result,...

Young Adult Retirement Planning: Do We Have a Future?

This brief is only on the web and not published in the traditional PDF format. Once you sign in to read it, you can navigate by clicking the chapter links at the bottom of the page. With retirement planning not at the forefront of people’s minds, will our members be...

Women in Leadership: Obstacles and Opportunities

Women in Leadership: Obstacles and Opportunities

Want more? Attend our Women in Leadership Colloquium at the University of Southern California on June 19. Register here. Historically, women in the United States have made significant progress, professionally, to close the compensation gap with men. However, women who want to earn more, do more, and take leading roles at...