Innovation pioneers of the credit union industry

first_imgThe future of Credit Unions is highly reliant on a new population, larger than the Boomers and more relevant to Credit Unions now more than ever. The burning question Credit Unions are asking themselves and their members is “How we can capture the millennial market?”In a time when tech-savvy millennials are overlooked as consumers yet have more information at their fingertips than any other demographic, Credit Unions are in a position to be favored over banks. Competition between the two is fierce as this younger generation begins to borrow money for homes, cars, and business ventures. Banks are spending significantly more money than credit unions to market to millennials, advertising convenience but overlooking demand for quality. According to a recent Gallup survey, banks have lost market share and the trust of consumers. Credit Unions must seize this opportunity to position themselves as a trusted leader in financial services to millennials by marketing to them with the same personal care and attention as they would be treated when walking into a branch.In a recent interview from the Tampa Bay Business Journal with Tom Dorety, President and CEO of Suncoast Credit Union, he said “If you don’t get a connection with millennials now, you may lose it forever.” In my hundreds of conversations over the years with Credit Union leaders and marketing executives, they would agree that catching the attention and trust of millennials, or they would like to say their future members, is on the for front of their strategic goals.When it comes to millennial member engagement, technology is key. In order to achieve that personal connection with a growing member base, credit unions must adopt customer intelligence strategies in order to personalize the millennial member’s investment experience. Some Credit Unions are in front of the curve, while many are still lagging far behind.Credit Unions have an advantage over banks as they are structured differently and can be more agile with innovation. Many Credit Union leaders describe themselves on the innovation curve such as “in the infancy stages”, or “we are toddlers”, and “we are learning to walk”. I have heard in so-many words that they are now starting to “look” at data yet have started a big data project this year.In a recent thought leadership talk, Disruption Day Tampa Bay, I was delighted to share the stage with many professional peers discussing disruptive technologies relevant to credit unions. Big data is one that was discussed as a technology that has great business value but still not well understood. It’s become apparent that as credit unions attempt to grow beyond the “infancy stage” they are often trying to run before learning how to crawl. Credit Unions have the opportunity to leverage better and deeper connections with their members but it cannot be achieved overnight. Credit Unions, or any business for that matter, should not feel burdened with figuring out big data or data analytics on their own. They should rely on industry experts that can move them efficiently and quickly to where they should be on their Business Intelligence maturity plan, which is walking with ease and accuracy. 31SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Carolyn Eagen Carolyn Eagen is an Account Executive with Sogeti USA, a Capgemini Group Company. Carolyn and Sogeti help clients identify a best practice approach to complex business challenges through advanced technology … Web: www.us.sogeti.com Detailslast_img read more

JLL cuts up to 90 in new jobs woe

first_imgTo access this article REGISTER NOWWould you like print copies, app and digital replica access too? SUBSCRIBE for as little as £5 per week. Would you like to read more?Register for free to finish this article.Sign up now for the following benefits:Four FREE articles of your choice per monthBreaking news, comment and analysis from industry experts as it happensChoose from our portfolio of email newsletterslast_img

Cap on Auckland liquor stores supported

first_imgOneNews 18 June 2014Ninety percent of Auckland residents would support a cap on the number of off-licences in the city, a survey suggests.The Auckland Regional Public Health Service report, released today, shows 91% of residents want no increase to the number of liquor stores.But opinions were split over earlier closing times for bars.Auckland Council’s local alcohol policy opened for public submissions this week and has proposed tighter controls on where and how alcohol can be sold – including putting a two-year freeze on new bottle shops in central city and high-priority areas, as well as a 3am closing time for on-licence venues in central city, Ponsonby and Newton.It has already run into opposition from different groups concerned about the impact of restricted liquor sales.Sixty one percent of people surveyed in the report said they wanted alcohol venues to close by 2am in the CBD.http://tvnz.co.nz/national-news/cap-auckland-liquor-stores-supported-6006160last_img read more

Chappell dimes good at Landry-mat

first_imgJEFF SCHORFHEIDE/Herald photoMidway through the second half of No. 2 Wisconsin’s 69-64 victory over Purdue, sophomore Joe Krabbenhoft jogged off to take a seat on the bench, but was rebuffed when junior forward Brian Butch informed him that it was in fact Jason Chappell that was getting a breather.Krabbenhoft gave a look of half-bewilderment, in talking with Butch for a moment, as if to ask, “Are you sure you want to take HIM out of the game?”It was an unusual moment, as for once it was Chappell, the senior, blue-collar, hard-nosed forward who was the star of the show, sparking Wisconsin (18-1, 4-0 Big Ten) out of an offensive malaise in the second half to help push the Badgers over the Boilermakers (13-6, 2-3 Big Ten) at the Kohl Center Wednesday night. As the Badgers found themselves in another typical Big Ten tooth-and-nail struggle against the Boilermakers, Chappell — who all year long has often been left completely alone on the perimeter — hit two three-pointers, the second of which gave Wisconsin a one-point lead they would not relinquish.“My teammates at halftime told me to shoot the ball because we needed that to extend their defense a little bit,” Chappell said. “Everybody else really couldn’t get anything down low because my guy was just sitting in the paint.”And Purdue head coach Matt Painter said Chappell’s two three-pointers were “huge” for the Badgers, and called it a “changing point” in the game.Chappell finished with 13 points, one of four Badgers to reach double-figures in scoring as Alando Tucker (14), Kammron Taylor (13) and Michael Flowers (15) all chipped in offensively.Tucker and Taylor, however, had off-nights shooting the basketball, with the two seniors combining to go 7-of-26 (27 percent) from the field.According to Painter, that was by design, as he said the strategy was to focus all of his team’s attention on Tucker and Taylor.“I have all the respect in the world for those guys,” Painter said. “When you play these guys at home, you have to make somebody else beat you, and tonight they had guys step up and make plays.”After the game, Tucker credited his teammates for doing just that, adding his teammates have been stepping up for him all year on nights where he has struggled.“We have three other guys on the court that have proven to be a threat and Mike and Jason just proved that tonight,” Tucker said. “They were big. Mike, his plays were energizing and we feed from things like that.”Chappell, also known by his nickname of J-Cheezy, opened up a can of E-Z Cheese on the Boilermakers, and not just with his three-point shooting. Chappell also pulled down a team-high eight rebounds, dished out a team-best four assists and also threw in a block for good measure.The Badgers as a whole protected the ball well, only turning the ball over seven times throughout the entire contest. In contrast, Purdue’s Carl Landry — the brother of Wisconsin’s Marcus Landry — had six turnovers alone.“When he made a move, a couple times we had people that pinched down and made him turn it over, which helped,” Chappell said.Landry finished with 16 points, but was mostly ineffective after making four of his first five shots.Meanwhile, Chappell heated up as the game progressed. Early in the contest, fans in the Kohl Center could be heard groaning and generally feeling uneasy as the son of NBA-great Len Chappell continued to hesitate and hold on to the ball while standing unguarded on the perimeter. After the half, however, that all changed, and so did the complexion of the game.“He was patient,” UW head coach Bo Ryan said. “Hitting those outside shots. They were leaving outside shooters open, and if you don’t knock some of those down, it tends to change what you’re trying to do.”last_img read more

Chelsea clinch title as Eden Hazard seals win over Crystal Palace

first_imgThe trophy will be presented only on the last day of the season, but Chelsea won their fifth English Premier League crown on Sunday after a 1-0 win against Crystal Palace.Eden Hazard dived to head home the title-winning penalty after having his initial kick saved at the Stamford Bridge. Chelsea started slowly and it was Crystal Palace who seemed the most intent on attacking in the early stages, but nevertheless the Blues controlled the ball for most of the first half.The home side still created the most chances, Juan Cuadrado firing over early in the first half.Chelsea took the lead when Hazard dived into James McArthur into the box to win a penalty, and then headed in his own missed attempt from the spot kick. In the second half, Jose Mourinho provoked the critics by immediately removing Cuadrado for the much more defensive John Obi Mikel, and Chelsea set about dominating possession but doing little with it.Branislav Ivanovic went closest for Chelsea towards the end of the half, but Chelsea were happy to take the single-goal victory to seal the title. The Blues have won the title with three games to spare.–Follow Gary on Twitter: @garyalsmithlast_img read more

OVERTIME

first_img:09—If you have any doubt about how good “Overtime” really is just ask my man Joe Hall. He’s reading every week, and now he’s in “The Locker Room. Now run tell that!:08—The last minute of the Pitt Cincinnati game might be the worst time management ever seen on a football field. With possession of the ball and no timeouts and a chance to tie the game and go into overtime Pitt never spiked the ball to stop the clock, ran the ball twice and threw twice…all inbounds…c’mon man!!!:07—Speaking of football coaches…actually I wasn’t but you Langley Grads don’t know that. After all your school didn’t win a football game all season…huh? Anyway back to the coach, Coach George Webb that is, The Legendary Headmaster of recent Westinghouse Bulldog Fame. His legacy has been further imbedded in Pittsburgh folklore with the coming of the George A Webb, Sr. Learning Institute and Museum coming soon to a Homewood spot near you. A fine fundraiser was given by the Webb Family at where else…The Savoy.:06—Speaking of the Savoy…and I really was this time, (see you Langley people catch on quick) did you know if you get a parking ticket on Penn Avenue in and around The Savoy between 5-9 p.m. the Savoy will pay the ticket. Now that’s what I am talking about. To quote the cop in the Malcolm X Movie, “That’s too much power for one Black man to have”… C’mon Chuck!:05—Speaking of movies, this is a great time for a movie review and if there was a good movie out I’d tell you about it. Nothin but all that Halloween vampire and blood & guts stuff. You know Jason, Freddie and them. I got you next week.:04—Not that anyone is surprised but the ladies from the Courier were all no-shows at the First Friday Par-Tay. It’s amazing how much Pamela Anderson can upset some Black Women. Get over it ladies it was only a list.:03—Penguins…Crosby still not playing. That’s all I got! No matter, that’s all you got and you know it.:02—Champions Calendar, coming down the stretch:•Rev. Duane A. Darkins Senior Citizen Thanksgiving Dinner— Sat. Nov 19. If you want to sponsor a senior or help, call us 412-628-4856.•First Friday Par-Tay—Dec. 2—Special guest Cheyney University Pittsburgh Alumni Association, also Rayco “War” Saunders and the Pittsburgh United Rams Corvette Club—It’s the Xmas Par-Tay everyone wears Red!•Willie Stargell MVP Awards Banquet—Mon. December 5 LeMont Restaurant, Honoring the Great Sam Clancy, European basketball star J.R. Holden, Evan Frazier, Reggie Mitchell and others— tickets going fast, only 250 seats available. Call us at 412-628-4856.:01—Here’s the Ultimate Top (10) List…The Greatest Athletes of All Time…Any sport.1. Muhammad Ali 2. Jim Brown 3. Wilt Chamberlain 4. Michael Jordon 5. Pele 6. Jack Nicklaus 7. Tiger Woods 8. Hank Aaron 9. Babe Ruth 10. Any Olympic Decathlon ChampionThink yours is better? You know the drill, mail it to me…I said mail it! 416 Springdale Drive, Suite 33, Pgh, PA 15235.˜OVERTIME˜:00 –Get out of Penn State now!!!! More on this story next week!˜DOUBLE OVERTIME˜:00—Our prayers and condolences go out to the family of Joe Frazier who lost his battle with liver cancer. “Smokin Joe,” you were the man that brought down “The Greatest”….That makes you “The Greatest” too!~ Game Over ~ :10—Mama—There goes that man again! That man is J.T. yea that’s right J.T.’s Rib Joint in the news again. Mmmaaaannnn they were dancing in the street Sunday night at the Rib Joint. J.T. bused in a rowdy bunch of Raven believers from Baltimore and the last time I looked they were having so much fun the bus was still parked there.last_img read more

Bombers capture West Kootenay Fieldhockey title with 1-0 win over SHSS

first_imgThe West Kootenay champ gains a berth in the BC High School Field Hockey Championships November 6-8 in Oliver.The loser of the final has another chance to qualify, meeting Fraser Valley #2 in a Wild Card game in Kelowna.The Bombers return to the pitch this weekend for a tournament at Pass Creek Park. Teams from Mount Boucherie and Oliver join the three locals squads in the event.Bombers knock off first place J. Lloyd Crowe in WK Fieldhockey actionTuesday, the Bombers took a huge step toward the West Kootenay title by scoring a 2-0 victory over first-place J. Lloyd Crowe Hawks in West Kootenay Girl’s Fieldhockey League action.The win pulled the Bombers to within a point of the Hawks with Wednesday’s game being the final game of the regular season.Tara Yowek was back guarding the cage for LVR to register the shutout.LVR was helped by the return of Abbie Bourchier-Willans who joined the team Tuesday for the first game this season.Bourchier-Willans is also the main setter for the Volleyball squad. The L.V. Rogers Bombers have claimed the West Kootenay Girl’s Fieldhockey regular season title by edging Stanley Humphries Rockers 1-0 Wednesday at Pass Creek Park in Castlegar.The win lifted LVR past J. Lloyd Crowe Hawks of Trail and into top spot in regular season standings.Grade 10 midfielder Noa Butterfield scored an unassisted goal for the only marker of the game.”It was (Noa’s) birthday (Tuesday) and we we so hoping she would score a goal then…but today made it even sweeter since it was the only one,” said Bomber coach Val Gibson.Jenna Wheeldon registered the shutout in goal with help from a solid defence of Kyra Burkart, Emma Gregorich, Grade 9 Heather Potkins and Lauren Walgren.The Bombers now gain a bye into the West Kootenay Final next Thursday (October 23) at 3:30 p.m. at Pass Creek.LVR plays the semi final winner between Stanley Humphries and Crowe, played Tuesday.last_img read more

Drake And Iowa State To Meet On The Gridiron Saturday

first_img Live Stats Tickets Story Links Streaming Print Friendly Version The Drake University football team and Iowa State renew a series that dates back more than a century when the Bulldogs and Cyclones meet at Jack Trice Stadium Dec. 1. Kickoff at MidAmerican Energy Field at Jack Trice Stadium is set for 11 a.m. in what will be the first meeting between the two programs since 1985.The Cyclones will be Drake’s 11th opponent of the season after both teams’ Sept. 1 season openers were canceled due to severe weather.Drake and Iowa State have not met since 1985 with the Bulldogs’ prevailing, 20-17. The Dec. 1 meeting is the 70th between the two programs with Drake owning 17 wins over the Cyclones. Saturday’s game will be Drake’s first contest against an NCAA Division Football Bowl Subdivision program since Sept. 20, 1997  at USF. Drake defeated the Bulls in that game, 23-22.The Bulldogs, a member of the NCAA Division I Football Championship Subdivision and charter member of the Pioneer Football League, travel to Ames with a 7-3 overall record and a 6-2 mark in the Pioneer Football League to tie for second in the league standings behind league champion San Diego.Drake boasts one of the nation’s top FCS defenses as the Bulldogs rank eighth nationally in scoring defense (18.3 ppg), 13th in total defense (198.3 ypg), sixth in rushing defense (95.1 ypg), eighth in interceptions (16 INT) and seventh in tackles for loss (8.3 TFL/g). Game Notes last_img read more

Glitz and glamour as ‘Strictly’ fever hits Buncrana

first_imgThe Plaza in Buncrana is set to welcome the return of one of the most memorable nights of the year on November 12th. A night of entertainment, thrills and possibly spills are expected as ‘Strictly Come Dancing’ returns to town.The popular event will feature 10 locals who will pull on their gladrags in a bid to impress judges and the audience with some slick new dance moves – all in aid of the Donegal/Galway Cancer Bus and Buncrana’s own ‘Children in Need’.The night’s host is TV3’s Noel Cunningham, and there will be music provided by the brilliant Off The Rails. Organiser Adrian McMyler spoke of his excitement at bringing the event back to The Plaza.“It’s going to be a brilliant night,” he said, “the dancers have been working extremely hard – sometimes three to four nights a week, and deserve a huge amount of credit.”He also said that the importance of both causes will hopefully lead to a big turn-out on the night.“Everyone has experienced cancer throughout their lives, be it in their family or elsewhere, and hopefully with the money raised, we can contribute to such a worthy cause. “Buncrana has always been known for its community spirit, and I’m hopeful that the people of the town will come out in their numbers and support what will be a great night’s craic.”Strictly Come Dancing is an all-ticket event, and admission is €15. The event is sponsored by Tom Clare Steel Fixer and Trojan Technologies.Doors open at 7:15pm, and information is available by calling Adrian on 0867359993.Participating couples:1. Patricia Ferguson – Christian Mc Ginley2. Lisa Dillon- Greg Bradley3. Fiona Connolly – Oliver Doherty4. Stephanie Porter – Benny Porter5. Jennifer Biggins – James Kelly6. Susan Crossan – Paul Lambert7. Ciara Steele – John Ryan8. Catherine Carlin – Seamus Mc Daid9. Elaina Winkers Mc Ginley – Christopher Cuffe10. Colette Toland – Paddy DohertyBuncrana Strictly Come Dancing 2016Glitz and glamour as ‘Strictly’ fever hits Buncrana was last modified: October 26th, 2016 by Rachel McLaughlinShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to share on Pocket (Opens in new window)Click to share on Telegram (Opens in new window)Click to share on WhatsApp (Opens in new window)Click to share on Skype (Opens in new window)Click to print (Opens in new window)last_img read more

Music Pirates Find Download Tools On Microsoft’s Windows Phone 8

first_imgWhat it Takes to Build a Highly Secure FinTech … Tags:#apps#copyright#Microsoft#music#Windows Phone#Windows Phone 8 markhachman Role of Mobile App Analytics In-App Engagement Why IoT Apps are Eating Device Interfacescenter_img The Rise and Rise of Mobile Payment Technology Related Posts As on Google’s Android and Apple’s iOS, a number of apps allowing users to download free and copyrighted music have cropped up on Microsoft’s Windows Phone.Windows Phone apps including Audiotica, Music And Ringtones Downloader and Sky Music all allow users to download music – including, it should be said, legally available tunes as well as copyrighted files. But while some apps put up obstacles that make downloading difficult, both Audiotica and an app called Amazing Music make it as easy as the numerous MP3 downloading apps that appear on the Google Play app store for Android.Of course, these apps could strip potential revenue away from Microsoft’s own recently launched Xbox Music Service, which allows both free music streaming and a la carte purchases. But Microsoft also must approve each app before it’s published, meaning that Amazing Music and others have Microsoft’s blessing, of a sort.Piracy Lives!What most online users know, however, is that music piracy is alive and well.AudioticaIn 2010, a court ordered Lime Wire LLC to disconnect the Limewire peer-to-peer service from the Gnutella network, effectively killing the service. But a number of alternatives still exist, and the methods of peer-to-peer file sharing have gone far beyond sharing individual songs, as Napster did many years ago. These days, sites like The Pirate Bay offer collections like the top 1,000 songs of the last 30 years, in addition to pirated movies and software. On the Web, trying to stop pirated music and movies is like trying to stop the flow of illegal drugs: Some get caught, more go free. From 2002 or so on, BitTorrent replaced Napster as the peer-to-peer file sharing architecture of choice; research house NPD reports that only 37% of music acquired by U.S. consumers in 2009 was paid for. One in four Internet users accesses an unlicensed service, the IPFI/Nielsen said in January 2012, even though digital music revenues, worldwide, climbed 8% to $5.2 billion. A proposed copyright alert system to issue a sort of “six strikes” policy against American copyright infringers based on ISP notifications will begin rolling out soon, a Center for Copyright Information spokeswoman said in an email, but even the final strike will not include termination of a user’s Internet service.The exchange for pirating individual songs, meanwhile, has moved to smartphones. Apps on all three mobile platforms offer the possibility of downloading copyrighted music without paying for it. That’s even though all three app stores prohibit it. Apple’s app approval process is thought to be the most stringent of the three, but Microsoft also has an active approval process. A Windows Phone app must not violate rule 3.7 of Microsoft’ content policy for Windows Phone: “Unauthorized use of another entity’s intellectual property, including but not limited to: software, music, art, and other copyrighted, trademarked or patented materials or trade secrets.”Microsoft did not reply to a request for comment.Legal AlternativesThat doesn’t mean that users can use these apps only to download copyrighted music. Virtually all of the app descriptions make sure to state that users can download “100% legal music” in the public domain. The loophole lends some legitimacy to the software, just as BitTorrent can be used to download legal Linux distributions. But for those who want it, copyrighted music is easily available, as shown in the screenshots for Music Collector, an iOS app that promises to let users “download any music you want.” The images show copyrighted songs from Katy Perry and Britney Spears, among others. Music-download apps have existed on Google Android for years, allowing users to type in a song or artist and download songs directly to their phone. Because users can’t selectively listen to individual song selections on their phones from licensed services such as MOG, Slacker or Spotify (they typically have to pay $9.99 per month for the privilege) the music download apps have developed their own market niche.On Windows, the relative dearth of music downloader apps means fewer choices for music freeloaders. Music And Ringtones Downloader and Sky Music put up obstacles to downloading copyrighted material, forcing users to work through a Web page or a list of servers to manually approve and “friend.” (The Audiotica app didn’t generate any results on my first use, although it seemed to work normally on subsequent attempts.) Amazing Music offered one-stop shopping – downloading music straight to the phone. On its “copyright” page, Amazing Music notes that it doesn’t store any links to content, and all are “provided from internet” via a “searching engine.” The app asks that all “cached” (read: downloaded) data be removed from the phone within 24 hours, and specified that the app doesn’t download the music to other other devices. And then there’s this final nugget: “Note: All of the contents in this application only can be used in China.”Amazing Music’s search pageOf course, simply eliminating these app won’t stop the downloading or the creation of new alternatives. A year ago, I wrote about Google’s problem with music downloading via Android. I highlighted one app, named MP3 Music Download Pro. Today there are three identically named apps on Google Play.last_img read more