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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.

Fintech: Developments and Strategic Implications for Credit Unions

Fintech: Developments and Strategic Implications for Credit Unions

A combination of an accelerated rate of change, lower development costs, attractive profit pools, and changing regulatory environments is propelling fintech products into the worldwide marketplace. These new technologies favor nimble financial organizations and create a challenge for credit unions that generally veer toward prudence and vigilance when managing their...

Conexus at a Crossroads: Structuring a Credit Union for Innovation

Conexus at a Crossroads: Structuring a Credit Union for Innovation

Recent Filene reports from our Center for Organizational Entrepreneurship explore innovation in the financial services industry, such as Structures for Innovation that examines how different organizational structures can foster innovation through a framework of exploration and exploitation. Conexus at the Crossroads applies the ideas from Structures for Innovation directly to...

Money Talk: Shifting the Financial Landscape

Money Talk: Shifting the Financial Landscape

Filene’s Center for Consumer Decision Making hosted a colloquium to explore the financial experience of the Millennial generation and elicit insights from researchers and a panel of twentysomethings, providing insights for financial industry leaders.  Filene thanks its generous sponsor for helping to make this event possible.

Confidence in Borrowing Survey: Spring 2017

Confidence in Borrowing Survey: Spring 2017

Every six months Filene conducts a national survey to assess confidence in borrowing. Since our previous survey, there has been little change in consumer confidence, and overall confidence in borrowing remains low. However, having a baseline for consumer intention allows us to dive deeper and explore possible motivations and subtleties...

Blueprints for Innovation, Fall 2016

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? Of course not! But that’s the amount of global venture capital investment made in fintech firms in 2016 alone. These emerging competitors are taking advantage of this capital influx to...

Reimagining Credit Unions: The Federal Option, Lessons from Europe, and Digital Lending

Reimagining Credit Unions: The Federal Option, Lessons from Europe, and Digital Lending

What would it look like to reimagine credit unions based on the latest research into organizational innovation, consumer behavior, and ever-changing regulatory systems? Filene brought together financial industry perspectives from Europe and Canada to explore opportunities and challenges shaping the credit unions sector. This report presents a range of outlooks...

Canadian Credit Unions: Capital Buffers Under Basel III

Canadian Credit Unions: Capital Buffers Under Basel III

This report provides a timely analysis of how Canadian credit unions' capital buffers respond during periods of economic flux. Credit union leaders worldwide will find this analysis instrumental in developing strategies for economic survival, as well as for advocating for sound regulation for credit unions.  Filene thanks our generous supporters...

Beyond Personal Lending

Beyond Personal Lending

Data analytics and machine-learning techniques are revolutionizing how lenders make pricing and underwriting decisions. Credit unions have a unique opportunity to leverage this power in support of the "member first" philosophy. This report takes a closer look at how artificial intelligence and algorithmic underwriting can inform credit union lending strategies....

Scaling Up Excellence

Scaling Up Excellence

Spreading excellence across an organization is a key step toward effective scaling, and scaling is increasingly vital to credit unions’ sustainability and success. Using expert tips and concepts from Sutton and Rao’s book Scaling Up Excellence: Getting to More Without Settling For Less, this report approaches these ideas from a...

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