Skip to Navigation | Skip to Content

Research Reports

Research is our middle name. Members of Filene receive immediate, unlimited access to 25 years of research with the goal of identifying what comes next for credit unions and financial consumers. Dig in! 

Not a member? Take a glimpse into the valuable research Filene has to offer.

Credit Unions and Remittances: An Environmental Scan

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

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

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 Organizations with outdated processes and technology contribute to a negative member experience.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,...

Larky Pilot: A Mobile Engagement and Rewards Platform

Larky Pilot: A Mobile Engagement and Rewards Platform

Credit unions strive to engage the next generation of members, to develop business relationships and grow community engagement. These are just three of many goals of a pilot project developed and implemented at Filene Research Institute's Impact program. This mobile-friendly loyalty program was tested among ten credit unions and utilized...

Domestic Violence Recovery Loan Program

Domestic Violence Recovery Loan Program

The Domestic Violence Recovery (DVR) Loan Program was designed to provide survivors of abuse with an affordable option for removing financial barriers to safety and/or rebuilding after an abusive relationship. This report details the development and initial findings from the implementation of the DVR Loan program from May 2014 through...

Millennial Money Chatter: A Guide to Millennial Financial Discourse

Millennial Money Chatter: A Guide to Millennial Financial Discourse

Understanding millennials' attitudes surrounding finances is key for credit unions to develop effective programs for engagement.  This research combines online ethnography (netnography) to gain a better understanding of millennial financial discourse, and in particular, student debt. This research helps credit unions navigate millennial mindsets by providing a look into the...

Bringing Member Referrals Into the 21st Century

Bringing Member Referrals Into the 21st Century

Credit unions want growth but struggle with the cumbersome referral and tracking methods that have historically been available. Paper referral programs create inefficiencies within the credit union and hassles for the member. And rarely do they lead to strong results.  In 2014, a Filene i3 team built a rapid prototype that...

Sponsoring the Credit Union Leaders of Tomorrow

Sponsoring the Credit Union Leaders of Tomorrow

In its simplest form, the sponsor–protégé. relationship is beneficial for both parties, with sponsor CEOs being afforded an opportunity to cultivate talent and protégé's receiving invaluable on‑the-ground experience. For any aspiring credit union CEO, having an early-career sponsor will open doors and, more importantly, create the framework for effective leadership. Through a series of interviews with...

Leadership Coaching Opportunities for Credit Unions

Leadership Coaching Opportunities for Credit Unions

As credit unions become more complex, the demand for stronger leaders is real. It is no longer enough to be a subject matter expert with long tenure. Credit union executives and managers must coach, inspire, and lead. In order to build strong cultures, provide more value to our members, and develop thriving...

Blueprints for Innovation Spring i3

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 increasing costs of operations and regulation...to rise above the wave of nontraditional competitors?  If your credit union is like most others, there’s heavy lifting to be done. It takes a...

CCUA Login COBA Login