This brief proposes that the best way for credit unions to compete in the lucrative market for unsecured revolving credit (principally credit cards) is to help members reduce what they owe.
Innovation and Incubation
Research related to the topic of innovation and incubation.
Innovation and Incubation Research

Innovation and Incubation / Aug 16 2021
Want to Increase Share of Unsecured Credit? Help Shrink the Market!

Innovation and Incubation / Jun 17 2021
Innovation & Incubation Overview
Led by Filene Fellow Dr. Jeffrey Robinson, the Center of Excellence for Innovation & Incubation will explore emerging products and...

Nov 12 2020
FinTech Catalyst Incubator: Gamification
The gamification market is projected to grow to $30.7B by 2025 and financial institutions have an opportunity to get in the game.

Aug 04 2020
FinTech Catalyst Incubator: Spartacus
In this report we analyze the desirability and feasibility of Spartacus and if it can help consumers protect their privacy and prevent identity theft.

Jul 08 2020
FinTech Catalyst Incubator: Finhabits
Through a partnership with CMFG Ventures, Filene Research Institute continues the work of the FinTech Catalyst Incubator to test promising...

Jun 08 2020
FinTech Catalyst Incubator: Steady
Filene's FinTech Catalyst Incubator analyzes Steady to see if it can create a positive influence on the member’s and credit union’s financial health.

Technology / Oct 03 2019
FinTech Catalyst Incubator: Align's Income Share Agreement
Through a new partnership with CMFG Ventures, Filene Research Institute recently launched the FinTech Catalyst Incubator to test promising concepts...

Community Impact / Aug 08 2018
Reaching Minority Households Incubator
Many traditional financial institutions struggle to meet the needs of minority households. Filene, Visa, and the Ford Foundation conducted this research to find out why.

Community Impact / Feb 05 2016
Accessible Financial Services Incubator
During the past two years Filene tested five innovative products designed for low-and moderate-income consumers. In this report we share...

Technology / Jan 08 2018
Credit Union Regtech: Innovation and Expertise
What can be done to help ease the regulatory responsibilities for credit unions? And what emerging technology is available to...

Sep 06 2018
Blueprints for Innovation, Fall 2017 + Spring 2018
Over the last year, fourteen Filene i3 innovation teams developed creative solutions to some of the most challenging problems we have seen come...

Oct 12 2017
Blueprints for Innovation, Spring 2017
What’s your competitive advantage? Are you working towards the future? Or are you “working on the treadmill of today?” With...

May 12 2017
Blueprints for Innovation, Fall 2016
Does your credit union have $17.4 billion sitting around waiting to be invested in the latest and greatest fintech innovations...

Aug 25 2016
Blueprints for Innovation Spring i3
Where will your credit union be in 2025? Are you prepared to meet the changing demands of consumers...to address the...

Sep 15 2015
Blueprints for Innovation: The Latest Concepts from Filene i3, 2015
Over the past eight months, teams of Filene i3 innovators have developed radical new solutions to address consumer and credit...

Feb 10 2015
Blueprints for Innovation: The Latest Concepts from Filene i3, Fall 2014
If you look at a graph representing the number of credit unions in the United States over the past decade...

Apr 26 2013
Key Findings: Blueprints for Innovation (Fall 2012)
Ideas can come from anywhere, but it is more interesting to see where ideas are going. In this round of i...

Sep 04 2012
Key Findings: Blueprints for Innovation
Read all about the next big i3 idea. In this publication you will find eight new ideas created by credit...

Mar 06 2012
Key Findings: Blueprints for Innovation
We are pleased to announce the publication of Key Findings: Blueprints for Innovation, a report on the latest findings from...

Feb 06 2011
Key Findings: Blueprints for Innovation (early 2011)
We are pleased to announce the publication of Key Findings: Blueprints for Innovation, a report on the latest findings from...

Innovation and Incubation / Jan 22 2010
Key Findings: Blueprints for Innovation (early 2010)
In this publication you will find 14 new ideas created by credit union executives from all across North America for Filene Research Institute’s i3 program.

Innovation and Incubation / Feb 05 2009
Key Findings Blueprints for Innovation, early 2009
We are pleased to announce the publication of Key Findings: Blueprints for Innovation, a report on the latest findings from Filene i³ (Ideas, Innovation, Implementation).

Innovation and Incubation / Jan 21 2008
Key Findings: Blueprints for Innovation
Credit unions strive to help members build sound financial lives. But helping members change can be ingrained habits that are very difficult to break even when you know what to do.