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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.

Structures for Innovation

Where does your organization fall on the exploit-explore spectrum? A key take-away from Structures for Innovation is that successful organizations balance explore-type activities, such as innovating, and exploit-type activities, such as efficient operating practices. But understanding how well your organization balances these two crucial activities is challenging. We’ve created the...

Confidence In Borrowing: Survey 2016

Confidence In Borrowing: Survey 2016

Knowing how consumers feel about borrowing is useful for predicting their intentions and behavior, and is instrumental for developing strategies to support consumers as they navigate how and when to borrow and invest. Our consumer borrowing survey indicates that confidence is low, with over 80% of consumers feeling worried, concerned...

User Experience Design: Insights for Credit Unions

User Experience Design: Insights for Credit Unions

When choosing fintech options, credit unions are uniquely positioned to select products that not only provide state-of-the-art options to their members, but that distinguish credit union value propositions from other financial institutions. This report provides insights for credit unions to leverage their core principles when designing the interface that becomes...

Digital Lending Playbook

Digital Lending Playbook

Opportunities abound for credit unions to carve out a presence in the digital lending space. This can be in the form of protecting the $351 billion in current credit union consumer loans or capturing some of the estimated $1 trillion in loans positioned for digital lenders. Before attempting that long-shot...

Relieve the Squeeze: The Sandwich Generation

Relieve the Squeeze: The Sandwich Generation

The sandwich generation consists of millions of working Americans who manage the financial demands of children, while also supporting their parents. They are financially "squeezed" between two generations. This research provides insights to help credit unions understand this population, and offers suggestions for the types of financial products and services...

Creating Culture within a Credit Union: Four Approaches

Creating Culture within a Credit Union: Four Approaches

Insights from the Filene Structure for Success Colloquium Fostering a high-performance culture is essential to credit union success in competitive markets. In distilling research presented at the first colloquium at Filene's Center for Organizational Entrepreneurship, this report provides new insights on how cultivating organizational culture can help strengthen employee engagement...

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...

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