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Everything we do starts with research. At Filene Research Institute, we’re driven to learn what makes credit unions tick. And what could make them tick even better. We spend our days—and sometimes our nights—connecting with leaders from credit unions, academia, public policy, business, and technology to deliver the world’s best thinking and tools to stay competitive for credit unions and cooperative finance.

Latest Publications

Credit Unions and Remittances: An Environmental Scan

The market for remittances--small, regular money transfers to migrants' home countries--is enormous but fragmented. Large money transfer operators (MTOs) are widespread and make international cash transfers relatively easy, but for extremely high fees. In comparison, most credit unions currently only offer wire transfers, which are too slow and expensive to...

Beyond Personal Finance Management: Insights for Credit Unions

Personal financial management (PFM) has come a long way—from Managing Your Money and Quicken 98 to Mint and the proliferation of branded apps from every retail bank, credit union, insurer, and ambitious fintech start‑up.  With smartphone data bandwidth getting cheaper and the semantic web data mapping users’ transactions, locations, lifestyles,...

Member Ease of Use as a Competitive Advantage

Today and into the foreseeable future, ‘easy’ will win the member relationship. Credit unions face evolving competition more rapidly every day. Organizations with outdated processes and technology contribute to a negative member experience. Using qualitative research and east-of-use case studies, Filene explores the impactful role that ease-of-use plays. In addition,...

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Research Council

The Filene Research Council is a distinguished group of credit union executives who individually and collectively play integral roles in the continued advancement of the credit union movement.

Featured Publication

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...

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