Led by Filene Fellow Bill Maurer, the Center for Emerging Technology looks far into the future to connect credit unions with the most impactful technology and drive forward-thinking business decisions.
Technology / Jul 22 2021
High-Tech and High-Touch: Relationship Banking in a Digital World
Credit unions can differentiate from competitors in the digital financial services market by prioritizing their strength in building member relationships.
Technology / Jun 24 2021
Up in the Cloud or Down on the Ground?
An effective cybersecurity strategy is rarely noticed, but a single failure can cause considerable financial and reputational damage to financial services providers.
Technology / May 21 2021
Opportunities and Risks of Conversational AI
As the use of digital channels continues to grow for credit unions, conversational artificial intelligence (AI) technologies provide an opportunity...
Technology / May 13 2021
The Future of Digital Transformation for Credit Unions
The future of financial services is digital. This report provides concrete action steps in the form of a road map...
Technology / Mar 25 2021
Reimagining the ATM
Set against the backdrop of rapidly changing consumer behavior and expectations during COVID-19, this report explores the past, present, and future of the unpretentious ATM.
Technology / Aug 27 2020
Credit Unions and the Coronavirus: Notes on the Impacts and Implications of the COVID-19 Crisis, Part 3
This three-part Special Report provides preliminary analysis of the COVID-19 pandemic’s effects on workers and consumers, and the implications it...
Technology / Jul 27 2020
Emerging Technology Overview
The ramifying economic damage caused by the Covid-19 pandemic is putting a spotlight on the intensifying economic inequality and income...
Technology / Jun 18 2020
Emerging Technology Continues as Essential Focus Area in Filene’s Research Agenda
The Center of Excellence for Emerging Technology is extended for a three-year project.
Technology / Jun 17 2020
Credit Unions and the Coronavirus: Notes on the Impacts and Implications of the COVID-19 Crisis, Part 2
The second part of this Special Report reviews how the crisis may affect financial services providers, particularly credit unions.
May 27 2020
Digital Transformation in the Age of COVID-19
We have been researching the implications for credit unions of emerging technologies that use artificial intelligence techniques to support “natural” conversations, though text, and/or voice.
Technology / May 01 2020
Credit Unions and the Coronavirus: Notes on the Impacts and Implications of the COVID-19 Crisis
In this three-part Special Report, Taylor C. Nelms and Stephen C. Rea provide preliminary analysis of the COVID-19 pandemic’s effects...
Mar 20 2020
Credit Unions in an Age of Insecurity: Research Event Recap
A research event recap from Filene's Centers for Emerging Technology and Consumer Decision Making Increasingly, consumer decisions are being driven...
Feb 14 2020
Big.Bright.Minds. Event Recap
For the last few years, the financial services industry has been through a roller coaster of technological and social change...
Technology / Jan 15 2020
Fairness and Accountability for Algorithms in Financial Services
How can credit unions differentiate on trust? This report reviews a key area where trust is increasingly at a premium...
Technology / Nov 20 2019
The Lessons of Fintech Apps: Design Matters for Personal Finance
This study provides lessons to credit unions that may help improve how their services are perceived and that may help activate deeper engagement with younger members.
Technology / Oct 18 2019
Artificial Intelligence by Design
New AI tools are poised to help credit unions better serve member needs, transform credit and risk underwriting, and increase operational efficiencies, but do they live up to the hype?
Technology / Sep 05 2019
Platform Economics? The Impact of Facebook's Libra on Credit Unions
This research brief reviews the implications and potential impact Libra and other yet-to-be-created digital financial services may have on credit...
Aug 06 2019
The Future of Trust: Research in Action Recap
Credit unions must navigate the fast-paced world of fintech while staying true to their mission of serving members. What happens...
Technology / Apr 30 2019
Core Processors and Data Integration in the Credit Union System
As credit unions’ technology needs change, so too must their arrangements with core providers. This research dives into the current...
Technology / Jan 08 2019
The Credit Union of the Twenty-First Century
This report begins the process of reimagining the 1934 Federal Credit Union Act and aligns the credit union manifesto with...
Technology / Nov 16 2018
Ethical and Legal Concerns of Using Artificial Intelligence
Many credit unions already use AI–based technology, and that number is growing. This report provides an introduction for credit unions...
Technology / Jul 31 2018
Oh Shoot! Now What? Technology in a Time of Crisis: Research in Action Recap
This past year several of our credit union members and colleagues were impacted by California wildfires and hurricane damage in...
Technology / Feb 06 2018
Weighing the Risks of a Fintech Partnership
As credit unions continue to upgrade and adopt new fintech options to stay competitive, during the process of partnering with...
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...