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Credit Union Technology Goes from Obsolete... to Absolute

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Credit Union Technology Goes from Obsolete... to Absolute ISSN 2058-3257 May 2021 VIEW FROM ACROSS THE POND WHAT’S INSIDE? THE DASH to DASHboard The Credit Union view Credit Unions say goodbye to Kelly Wagner-Grull, Director of naturally require many of the legacy technology (Page 2-3) Innovation at the Credit Union of smaller FI’s to conform into Colorado explains that traditional more niche offerings, mergers or risk- CREDIT UNIONS IN THE NEWS credit union income streams will be forced acquisitions. required and was highlighted by the Latest news and views from Credit tested, and that ultimately, forced current pandemic. In many ways, Unions across the UK (Pages 4-9) change will come from pressures What are some of the challenges the pandemic is a great example of of non-traditional financial service you face in what is a fast-changing being able to capitalize on some of providers and sophisticated/nimble industry? It is no longer novel to the pre-work which was already in On Community Banking and PAYMENTS INSIGHT FinTechs. say consumer’s expectations are play with our remote work strategy, Alternative Payments Open Banking to BNPL - what will growing, as the new norm has an digital service improvements, and affect the sector in 2021 (Page 10) What community does your Credit upward trajectory with no limits in adaptability to shift resources based May 2021 Union/Community Bank serve? sight. on member demand. Credit Union of Colorado has the great pleasure of serving 146,000+ These elevated expectations Is working with partners part of CREDIT UNION BANKING people, from all walks of life, who create inherent challenges for any your strategy? Given that many Real-time Transactins and Reports enjoy the benefits of membership in financial institution to keep pace credit unions do not have endless Lower Cost Faster Payments a credit union that is worth over $1.63 with experiences being offered by technology budgets, partnership is Direct Debit - Send Cash via sms billion in assets. large tech-based organisations. We a key strategy to meeting rapidly Maximum Funds Protection understand technology interactions increasing member’s technology FULL DIGITAL MEMBER EXPERIENCE Founded in 1934, we continue to with our members must be intuitive, interaction demands. welcome and support our broad and easy, and consultative experiences. Digital Onboarding Automated Loan Applications diverse membership. Credit Union of Colorado continues Streamlined Member Communications E-KYC/AML/PEPS/Sanctions Checks Levering data is and will continue to Affordability/Credit Checks to build relationships with start-ups, Simple, Compliant (FCA, PCI, GDPR) Powered by Engage Do you think the role of Credit Unions/ be a key tool necessary to be able to FinTech’s and will consider use cases YOUR CREDIT UNION BRAND Community Banks is changing? create meaningful, actionable and where outsourcing and/or alternative The financial landscape is evolving memorable member insights. third-party solutions can enhance rapidly, and I anticipate our industry our ability to experiment with options Branded Credit Union Accounts will look very different in five, seven, Millennials and future generations are to move more nimbly. This includes Credit Union Digital App DEBIT CARD SERVICES Full Ownership of Account Funds or ten years from now. already redefining how money works prototyping, piloting and iterative Member Recruitment Drives Award Winning Engage Account Local and National Rewards within our ecosystems. Their desire design of solutions. Credit Union Branded Cards GAME CHANGING SOLUTIONS The weight of technological to be less debt driven and open to Credit Union Credit Card Seamless Integration - One Touch Responsibility Instant Issue Prepaid Card disturbances, growing consumer a more collaborative consumption Digital channels or branches – which Dedicated Support and Expertise behaviours, rising non-traditional model where autonomous vehicles, is more important? Tough question... FCA Certified - PCI-DSS level One Secure providers entering the industry, “uberization” of services and goods physical branches in my opinion will Maximin Compliance Protection competition for business, and are all key indicators to how we need always have an important role and amplified regulatory demands will to evolve our business model beyond may shock us at how relevant they force redefinition of our financial “a checking or loan” provider. are in, say 10 years. While saying ecosystems and business models. this, becoming a fully digital delivery How has the pandemic impacted channel must compliment the Credit union and community banks’ the way you operate and your branching model. traditional income streams will future strategy? The pandemic has be tested and require innovative reinforced the importance of our The gift of choice between branch thinking and leaps of faith on core values and strengthened our and digital will become one creative solutions. commitment to be a safe, secure, interaction, with a seamless cross and stable financial partner with our between channel, resulting in a Lending channels continue to members. The current times allow “hybrid” member. be vulnerable to disruption and our corporate social responsibility to CLOUD BASED BACK OFFICE ultimately forced change will come shine in how members and our larger Measurement of success and from pressures of non-traditional community are supported. longevity will come from the financial service providers and ability to offer superior end-to-end sophisticated/nimble FinTechs. For times when job losses arise, death, experiences, without a human or other traumatic life challenges interaction, yet if needed is one Credit Union technology goes from The financial commitment to deploy occur, we will continue to operate in button (or branch) away. technology that will satisfy members, consistent, safe and relevant ways. explicitly to meet the younger Ensuring that our members can Source: Lisa Moyle: Fintechtalents. Feb 2021. For obsolete... to absolute member’s expectations, will access services in a remote way is the full article visit www.fintechtalents.com Engage DASHboard™, the revolutionary end-to-end cloud based Credit Union solution is now available> Already Engage are working with a number of UK Credit Union partners to replace their outdated legacy payments Focus is published by Engage. Head Office: Navigation House, Belmont Wharf, technology with the newest, most advanced digital back office and member services solution available. urnT to Skipton, North Yorkshire BD23 1RL. Engage account @EngageBanking pages 2 and 3 for further details. www.engagecommunitybanking.com © Copyright Contis Group 2020. Registered in England and Wales number 06499022. Contis Financial Services Ltd is authorised by the Financial Conduct Authority to issue eMoney (Firm Reference Number: 900025) and is a Principal Member of Visa Europe. Engage - The National Brand for Community Banking May 2021 NEWS FROM ENGAGE EVOLVE... EMPOWER...ENGAGE It’s curtains for out-dated legacy Credit Union software - Engage launches new digital end-to-end cloud based p ayments and back office platform Engage’s new digital payments and The technology eco-system is fully bonus for those Credit Union’s who Comprehensive cloud-based back back office solution, DASHboard™, integrated with the award-winning previously found their back office office solution is the definitive community banking Contis payments platform, offering technology budgets affected by SMS Bank Mobile App Accounts Budgets Projections platform. maximum stability and reliability, and changes to the benefit payment The cloud-based DASHboard™ Push not’s Reconciliation provides Credit Unions of all sizes with systems or increased regulations. core back office delivers time- Single Nominal/ Trial Bal. The only true end-to-end system instant access to a wealth of low- saving workflows across all Member Area Members customer CRM General Bal. Sheet developed exclusively for the Credit cost, innovative payment solutions. The DASHboard™ solution was loan applications, member View Ledger P&L Union sector, DASHboard™ delivers launched on 4th March 2021 with communication, marketing and Quarterly Financial Data Human Onboarding Loans a fully configurable and future proof Importantly, DASHboard™ has over 70 delegates attending the product building. Return Reporter Exporter Resource cloud-based digital payments, back- been built with a big emphasis on initial 90-minute demonstration Marketing Campaign Event Performance Applications Credit SAR Appraisals office and member services platform helping Credit Unions to remain showcasing the powerful new The functionality is powered by Control Reporting Module Builder Triggers Profiling designed to significantly reduce staff both sustainable, and to empower Engage features and Credit Union Caroma - a platform that boasts Mapping workloads and running costs. them to compete with the better benefits on offer. over 25 years experience of Document Custom Product Analysis KPIs and Report funded fintech rivals and big banks. working successfully with Credit Signing Letters Builder Dashboards Scheduler Analysis Board DASHboard™ comprises 5 individual Engage has gone to great lengths to Due to huge demand, Engage Unions, community banks and Loan Notice Internal Surveys meetings Training Documents Board Messaging modules that together form the ensure the platform provides simple will now be holding further online micro-finance institutions across the Actions end-to-end solution. Alternatively, to use yet unlimited digital account demonstrations
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