Skip to Navigation | Skip to Content

Research Reports

Research is our middle name. Dig in! Our library holds 25 years of research with the goal of identifying what comes next for credit unions and financial consumers.

The Impact of Two-Tiered Banking: How Credit Unions Can Bridge The Divide

The Impact of Two-Tiered Banking: How Credit Unions Can Bridge The Divide

For many consumers, payday lending is a dangerous cycle of indebtedness.  Yet, payday-lending services are in high demand. As a result, policymakers and the public watch the steady rise of payday lending with concern. This study traces the emergence and expansion of payday lending outlets in Winnipeg and rural Manitoba...

Financial Capability Near Retirement: A Profile of Pre-Retirees

Financial Capability Near Retirement: A Profile of Pre-Retirees

Legendary football coach Vince Lombardi once said, “The harder you work, the harder it is to surrender.” We all want to surrender from the workforce on our own terms. Whether retirement comes early or late, financial planning is necessary. Gone are the days where everyday workers could rely on a...

Credit Union 2.0: An Opportunity to Build Collaborative Partnerships

Credit Union 2.0: An Opportunity to Build Collaborative Partnerships

Proactive collaboration will be the ingredient of choice for credit union mergers of the future and by default, should come naturally for financial cooperatives; banks have less incentive to collaborate because of their for-profit nature.  Collaboration requires time, effort, compromise and commitment. Small to mid-size credit unions can thrive on their own,...

2014 Consumer Sentiment: Risk Aversion and Household Inequality

2014 Consumer Sentiment: Risk Aversion and Household Inequality

The recovery is here but not here. Consumer sentiment, as measured by spending, investing, and borrowing intentions, is an important indicator, especially when growth is lumpy, spread unevenly by region or industry. Feelings of confidence beget investments and risk taking. More importantly for credit unions, confidence leads to member borrowing—for homes, for cars,...

Segmenting Canadian and American Immigrant Prospects

Segmenting Canadian and American Immigrant Prospects

Immigrants come from a variety of backgrounds – different countries, ethnicities, education, and experiences. North America has a proud and storied history of welcoming people from all over the world. For financial services, this presents a continual opportunity to engage.   In fact, in both Canada and the United States,...

Digital Lessons From Amazon: Credit Unions and the Online Experience

Digital Lessons From Amazon: Credit Unions and the Online Experience

The world is becoming more and more digital. As a result, the entire consumer experience has shifted for many industries. While technology is creating convenience for consumers, it is putting pressure on financial institutions to invest in robust digital strategies. Being able to successfully operate in this current financial landscape...

Future of Design Colloquium

Future of Design Colloquium

Earlier this spring, Filene hosted The Future of Design Colloquium in Austin, Texas. The event highlighted the power of interdisciplinary collaboration, the importance of brand identity, and the significance of consumer engagement. Leaders from a multitude of industries, including financial services, discussed why design thinking should be injected into all...

Addressing the Revenue Growth Challenge

Addressing the Revenue Growth Challenge

Cutting costs and scaling back on expenditures is a sure fire way to achieve short-term profitability. Certainly credit unions can focus on shrinking assets to maintain capital, but how does that contribute towards long term sustainability? It may not be the engine for growth your credit union is looking for....

Filene 25th Anniversary Book

Filene 25th Anniversary Book

We are thrilled to be celebrating our silver anniversary in 2014! In recognition of this milestone, we've reflected on 25 years of research, innovation, and impact, and compiled the highlights into the enclosed 25th Anniversary publication.  We hope you will enjoy a walk down memory lane with us and, perhaps,...

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...

CUCC Login COBA Login