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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.

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...

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...

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