Banking on Experience

Yeah, we're definitely in a recession, but that doesn't mean Credit Unions should sit idle. It's time to take action.  Back by popular demand, Jim Ryan, VP of Strategic Partnerships at Curql Collective, is here to help us kick off 2023 with a message of hope. In this episode, Jim gives his take on the 2023 recession and how strategic participation in Curql Collective and Curql Fund can help solve the challenges of Credit Unions during a cloudy economic forecast. This podcast episode is for the Credit Unions that want to learn how to build a better member experience with the help of fintech, and Jim is the perfect guy to help you do that.  The mission of our podcast is to have brutally honest conversations about the biggest challenges facing Credit Unions and Banks in 2023. If that interests you, this is the podcast for you. 

Everyone in the Credit Union space has heard the same thing for almost a decade: The fintechs are coming! But few people have offered Credit Unions actionable advice on how to compete in the era of ever-changing financial technology –– until now. Ron Araujo, President of Mission Federal Services, LLC, a CUSO that has become one of the country's first fintech investment funds for CU products and services, is here to teach you how to get your CU on the fintech playing field.  Ron shares how and why Mission Federal decided to step into the “fintech casino” and what they did to improve their odds of winning through a hybrid model of direct investments and a close relationship with another CUSO, CURQL Collective. On this episode of the Banking on Experience Podcast, we offer you a dynamic conversation about the evolution of member service and how actively investing in the future of fintechs can future-proof your Credit Union.  If you want to know how your Credit Union can embrace technology and thrive in 2023, this is the podcast episode for you. 

You know your Credit Union needs to rethink its marketing strategy going into 2023. But how, exactly, are you going to do marketing differently?  To help you answer this question, we brought on a brutally honest marketer with over 20 years of experience.  Enter Isaiah Moskowitz, Owner of LTI Business Solutions and MC for the Cooperative Credit Union Association's Podcast, The Insider Forum!   On this episode of the Banking on Experience Podcast, Isaiah talks about Credit Union marketing, the things they get wrong, and how they can improve the Member experience with the right marketing strategy.  If you want to improve your Credit Union's marketing engine, this episode is for you. 

After years of throwing the CECL “Message in a Bottle” back into the ocean, the Credit Union industry now must comply and set money aside from every loan in case things go sour.  Is this rainy day fund just in time, or will this regulation hinder the growth of Credit Unions big and small?  Michael Cochrum pilots the ship in this week's episode. He breaks down the history of CECL, how to use data to comply with the requirement, and talks about his professional data journey in the CU Movement.  Michael has worked in the Credit Union space for 32 years, most notably with the CUSO, CUDL, and is now the owner of Creative Market Resource Group, INC (CRMG Solutions) and CUBI.PRO, helping Credit Unions with data and business intelligence, among many other things.  Is building this “Ark”-a-techture (see what we did there) going to help stave off the impending financial flood, or will the funds required pull smaller CU's further under the surface?  Tune in and find out.     

There is good reason to believe that we will see a major auto-loan default crisis coming very soon.  What will happen to vehicle values and the loans attached to them? And how will this affect your Credit Union and its members?   If only there was a “crystal ball”...  Enter Jim Tenhudfeld, President of Frost Financial Services.   Jim has over 25 years in the world of Protection Products for Credit Unions, first as an AVP at Great American and then as President of Frost Financial Services. As a premier provider of collateral products like GAP Protection, Jim has seen the ups and downs of several market cycles, especially in the world of vehicle depreciation.  Jim is here to share a glimpse into his vehicle valuation “crystal ball," and the clouds are definitely getting stormy.  Is there going to be an auto-loan default crisis in the next 3-6 months? Tune in and find out. 

Here's the bad news for you Credit Union folks: You are losing your competitive advantage over banks.  Historically, Credit Unions have had advantages over banks in the following areas –– rates and fees, member service, and digital technology.  But now, banks are catching up to Credit Unions in all three areas. On this episode of the banking on experience podcast, Dave Cerwinski is going to help your Credit Union regain its competitive advantage over banks. Dave is the Vice President of Corporate Development at Wescom Credit Union. He coordinates Wescom's involvement in several growth initiatives related to FinTech and Credit Union partnerships. He is also President of Wescom Resources Group, a CUSO that provides data processing and management services to about 90 other credit unions.  If you're looking to boost your member experience and digital technology so you can leave banks in the dust, this is the podcast episode for you. 

Imagine if there was a CUSO that paired your Credit Union with cutting-edge fintech solutions -– to help you implement leading technology faster, easier, and more affordable.  On second thought, you do not have to imagine this scenario. The golden ticket for your Credit Union is finally here.  Jim Ryan, VP of Strategic Planning at CURQL Collective, breaks down his definition of “the COVID pivot,” shares his experience in the CU Movement, and spills the beans about the hottest new CUSOs in the Credit Union space, CURQL Collective, and CURQL FUND.   CURQL (pronounced Circle) is the first CUSO factory, bridging together Credit Unions and leading-edge fintech solutions. Hear how a vision, a need, and a few talented industry experts raised over 252 Million Dollars to fund this collaborative vision during the Pandemic!   In this episode of the banking on experience podcast, learn how your Credit Union or CUSO can find your “Golden Ticket” to the CUSO Factory. Jim Ryan has the key to the front gate.  You are welcome to join. 

If you're at a small Credit Union and are being told “you can't” because of your asset size, this podcast is for you. Becky Reed, CEO of Lone Star Credit Union, is proving day in and day out that a can-do attitude –– regardless of your asset size –– and a willingness to say “yes” instead of “maybe later” is what you really need to grow in today's CU Market. We dive in on leveraging CUSOs, embracing a culture of being a “Pioneer” (AKA “BETA”) for innovations in the space, and joining boards and trade organizations. This episode is for all of the small credit unions out there that are feeling overwhelmed. So, If you are trying to grow your Credit Union with a shoestring budget, Becky Reed's gonna tell you how in this episode of the banking on experience podcast.

60% of CUSO's are Insurance based and almost all of them have the same thing in common: They are barely scratching the surface of their potential! President of Insurance Strategies with Daggett Enterprises, Melanie Munsey, takes us “padawan's” to school on the ways of the Insurance Force and explains how CU's are being treated like “second class citizens” when it comes to many of their current protection product partnerships, and how more income, control, and freedom awaits those that have the desire to creatively advocate for their membership and their CU/CUSO! Tune in to work SMARTER not HARDER and get back what you deserve!

The impact of an FI serving its community—truly serving its community—cannot be understated, and there's no better example of this than Tongass Federal Credit Union. We were honored to sit down for a chat with Helen Mickel, CEO of Tongass FCU and one of our 2021 Right On The Money (ROTM) winners, to talk about playing big and serving community as a small CU—this week on CRMNEXT's Banking on Experience podcast. Topics we cover include:The Tongass FCU Story: origin, community, missionHow Tongass has tackled serving the underservedBoots on the ground: why it matters so much in this very virtual worldMicrosites (and how they're making a difference) The initiative Helen feels has had the biggest impact on both community and growthThe power of promoting small businesses What the future holds for Tongass FCUChanging the world (yes, really) And more Stay in touch with Banking on Experience by listening on Apple Podcasts, Spotify, or our website.Listening on a desktop & can't see the links? Just search for Banking on Experience in your favorite podcast player.

The student loan situation is… well, it's caused some heartache and stress. Let's just put it that way. But there are those out there who are determined to bring solutions and to help FIs offer those solutions to their customers and members. And we got to sit down with one such remarkable individual this week. Bobby Matson, Founder and CEO of Payitoff joins us—on CRMNEXT's Banking on Experience podcast. Topics we cover include:Why Bobby is passionate about this topicStudent loans: why they're different from all othersHow to determine the next best steps for your customers or members Top challenges FIs face around student loansProviding real help: best ways FIs can address the student loan crisisWealth management & robo-advisingChanging the world (yes, really)And moreStay in touch with Banking on Experience by listening on Apple Podcasts, Spotify, or our website.Listening on a desktop & can't see the links? Just search for Banking on Experience in your favorite podcast player.

Wise FIs know that both brand and PR play essential roles in the success of their organization. And the brilliant ones know just how well the two work together. We're lucky to feature one such organization this week. Jennifer Reed, Vice President of Public Relations at Sound Credit Union joins us to talk all about it—on CRMNEXT's Banking on Experience podcast. Topics we cover include:Sound CU's logo: its origin story and how it represents themGetting your story out thereThe biggest challenges CUs face when it comes to tying brand and PR togetherJennifer's top tips and tricks for PRThe stigma of PR being “a compliance thing”How brand and PR complement each otherChanging the world (yes, really) And more Stay in touch with Banking on Experience by listening on Apple Podcasts, Spotify, or our website.Listening on a desktop & can't see the links? Just search for Banking on Experience in your favorite podcast player.

Have you ever been afraid to take out a loan? Have you ever put experience ahead of price? Yeah, us too.It all comes back to that human element that drives everything, including the relationship between FIs and the people they serve. And we got to sit down for a chat with a true expert on the subject. Miriam Ackerman, Chief Strategy Officer at DNT BLNK and Co-Founder of NetGiver (NACUSO's 2020 Big Idea Award-Winner) graciously offers her expertise—this week on CRMNEXT's Banking on Experience podcast. Topics we cover include:Why Miriam is passionate about this topic Addressing what your members & customers actually need The power of real connectionBest practices around experience for FIsGetting specific with personalizationThe no mission/no margin conceptWhat holds FIs back from maintaining good relationships (and how to fix it) Changing the world (yes, really)And moreStay in touch with Banking on Experience by listening on Apple Podcasts, Spotify, or our website.Listening on a desktop & can't see the links? Just search for Banking on Experience in your favorite podcast player.

Trust. It's the foundation of—well—pretty much everything when it comes to relationships, including those between an FI and its members or customers. We were thrilled to sit down and learn from one of the world's greatest experts on creating high trust in a high-tech world. Todd Duncan is a Best-Selling Author, a Sales Entrepreneur with 5 million clients world-wide, and our honored guest this week on CRMNEXT's Banking on Experience podcast. If you've never had the opportunity to learn from Duncan—we implore you—get ready to take notes and brace yourself for some mind-blowing insight. Topics we cover include:Biggest mistakes when it comes to tech & trustTodd's take on the ‘talk less/sell more' mindsetThe power of emotional connection: how FIs can create true “wow” moments4 things about FIs and marketing that everybody needs to hearBridging marketing and high-touch emotional connectionNet Promoter Score and the Customer JourneyThe role of convenienceChanging the world (yes, really) And more Stay in touch with Banking on Experience by listening on Apple Podcasts, Spotify, or our website.Listening on a desktop & can't see the links? Just search for Banking on Experience in your favorite podcast player.

Ah the holy trifecta of the credit union world: Leagues, CUs, and CUSOs… To have been a part of all three—and succeeded beautifully in each one—is impressive. It also means you have some seriously stellar insight to offer. Lucky for us—and more especially, for our listeners—we got to pick the brain of one such expert. LeAnne Case, Senior VP of Marketing and Communications at The Servion Group, sits down to share her journey—this week on CU Changemakers: Women On Work (WOW). Topics we covered include: LeAnn's beginnings in the CU spaceLeagues, CUs, and CUSOs: what she likes best about each Women who have inspired LeAnn along her pathThe Servion Group—origin story, mission, marketingLeAnn's passion project, Vive Unlimited What excites our expert most about the CU women's movementAnd moreStay in touch with Banking on Experience podcast series by listening on Apple Podcasts, Spotify, or our website.Listening on a desktop & can't see the links? Just search for Banking on Experience in your favorite podcast player.

Do you find the world of trading a touch intimidating? Enthralling? Completely foreign but still a little fascinating? If capital investment piques your interest at all—and perhaps it should—this is the Banking on Experience podcast episode for you! We're joined this week by Dan Raju—CEO of Tradier, Market Expert, and Serial Entrepreneur—to talk about people focusing more on doing capital investments and the role FIs can play in that endeavor. Topics we cover include:Capital Market vs. Millennials? Diving into differences.FIs shifting mindset to focus on traders that really know the marketGetting access to active traders: Dan's top hacks for FIs How fintech fits into the equationCrypto: where it's at, where it's goingChanging the world (yes, really)And moreStay in touch with Banking on Experience by listening on Apple Podcasts, Spotify, or our website.Listening on a desktop & can't see the links? Just search for Banking on Experience in your favorite podcast player.

Innovation. It's a make-it-or-break-it requirement for ANY company, and financial institutions are no exception. So, we were thrilled to sit down with an expert on this very subject—to see how FIs can best create innovation in their organizations. Marwan Forzley, CEO at Veem offers top tips—and a whole lot of brilliant insight—this week on CRMNEXT's Banking on Experience podcast.Topics we cover include:Marwan's take on why innovation tends to stall so much in the financial worldHow, as younger leaders emerge, FIs can adopt a better strategy around innovation Adopting a better strategy around payments, in generalMarwan's top 1-2 tips to help FIs get startedUsing innovation to help drive better experienceThe concept of buy now/pay later: how it helps drive better CXVeem's role in helping FIs innovateChanging the world (yes, really)And more Stay in touch with Banking on Experience by listening on Apple Podcasts, Spotify, or our website.Listening on a desktop & can't see the links? Just search for Banking on Experience in your favorite podcast player.

Don't you hate having to wrap up a conversation mid-sentence, when there's still SO much more to say and learn? Lucky for us—and most especially for our listeners—we have a solution: Invite guests back to continue the chat! That's precisely what we did this week. Tom Millon, CEO of US Loan Services at Computershare and Jeff Johnson, COO at Computershare Loan Services return to talk customer servicing in lending and in the financial services industry as a whole—this week on CRMNEXT's Banking on Experience podcast. Topics we cover include:Tom's top-of-mind thoughts around customer servicing in financial servicesHow to make the sharing of sensitive information more efficient and secureFIs, mortgage lenders, investors: what matters most to them re customer servicingCX from a borrower's perspectiveHow mortgage companies' customer care can best assist borrowers in needThe best way to approach customers who are dealing with hardshipThe default loan servicing market (aka special servicing): where things stand todayChanging the world (yes, really)And more Stay in touch with Banking on Experience by listening on Apple Podcasts, Spotify, or our website.Listening on a desktop & can't see the links? Just search for Banking on Experience in your favorite podcast player.

Anyone who's a part of the credit union world knows it's a close-knit community, very much like a family. But what happens when an actual mother and daughter commit themselves—heart and soul—to the CU mission and movement? In the case of Susan Mitchell, (CEO of Mitchell, Stankovic & Associates) and her daughter, Brandi Stankovic (COO of CU Solutions Group)… it's a whole lot of amazing. We were thrilled to sit down with these two powerhouse women to hear all about their journeys—this week on CU Changemakers: Women On Work. Topics we covered include: - Susan and Brandi's backgrounds in the CU movement- Who has influenced them in their careers (and why)- Current projects these two are tackling together- Brandi's podcast, The Strategic Hotbox - The evolution of leaders (and leadership itself) in recent years- Susan and Brandi's top tips for women, both in and out of the CU world- And more Stay in touch with Banking on Experience podcast series by listening on Apple Podcasts, Spotify, or our website.Listening on a desktop & can't see the links? Just search for Banking on Experience in your favorite podcast player.

Capitalism… It's a buzz word, that's for sure. And when it comes to the idea of rethinking it, not everyone's on the same page. But Hazelmae Overturf, Product Owner of Employee Experience at BECU has some fresh thoughts on the subject—particularly around how it affects the credit union world and its members—and she graciously agreed to share them, this week on CRMNEXT's Banking on Experience podcast. Topics we cover include:Why Hazelmae is passionate about this topicWhat changes can (and should) be made in the CU spaceThe role community plays DEI, representation, and talent in the industryChanging the world (yes, really)And more Stay in touch with Banking on Experience by listening on Apple Podcasts, Spotify, or our website.Listening on a desktop & can't see the links? Just search for Banking on Experience in your favorite podcast player.

Break out the fireworks! This week is a big one for CRMNEXT's Banking on Experience podcast, as we are celebrating our—drum roll please—100th Episode! So, it only makes sense to feature a truly extraordinary guest in honor of the occasion. Anne Legg, Founder of THRIVE Strategic Services and Author of Big Data/Big Climb returns to the show to talk all about how data can help create “goosebump moments” at your credit union. Topics we cover include:Anne's own top-of-mind “goosebump moments” How CUs can better leverage data and sustain their data strategyBiggest challenges around building data strategy (and how to overcome them)Empowerment: the role technology can play Anne's take on the untapped potential of data in the industry Making the world a better place (yes, really)And more Stay in touch with Banking on Experience by listening on Apple Podcasts, Spotify, or our website.Listening on a desktop & can't see the links? Just search for Banking on Experience in your favorite podcast player.

Let's talk digital experience. Specifically—why is it so essential for the success of your financial institution? We've all got a general idea on how to answer that, but perhaps the details are a tiny bit fuzzy.That's where Jeff Keltner comes in. As Senior VP of Business Development at Upstart, he offers a lot of fantastic insight into the how/what/why behind the right kind of digital transformation for your FI. And he shares top tips—this week on CRMNEXT's Banking on Experience podcast. Topics we covered include:Defining “digitizing legacy processes”Top 2 digitization challenges FIs should tackle first Integrating different channels across the digital journey CX + EX: how your data strategy affects both The convenience factorDigital Experience & growth (hand-in-hand)How Jeff would change the world if he couldAnd more Stay in touch with Banking on Experience by listening on Apple Podcasts, Spotify, or our website.Listening on a desktop & can't see the links? Just search for Banking on Experience in your favorite podcast player.

Culture. It's a word we throw around a lot but creating precisely the kind that cultivates ALL the good stuff at your CU? That's not an easy task. Luckily, we got to sit down with an expert on the subject. Ali Migaki, Chief Retail Officer at iQ Credit Union helped to build a world-class sales culture there. And she shares top tips—this week on CRMNEXT's Banking on Experience. Topics we covered include:Sales Culture at your CU: a taboo topic? Biggest mistakes made in developing a culture iQ CU's Reward System (and why it rocks)Some of Ali's success stories First Steps: where to start in creating the culture you wantAnd more Stay in touch with Banking on Experience by listening to Apple Podcasts, Spotify, or our website.Listening on a desktop & can't see the links? Just search for Banking on Experience in your favorite podcast player.

Culture. It's a word we throw around a lot, but creating precisely the kind that cultivates ALL the good stuff at your CU? That's not an easy ask. Luckily, we got to sit down with an expert on the subject. Ali Migaki, Chief Retail Officer at iQ Credit Union helped to build a world-class sales culture there. And she shares top tips—this week on CRMNEXT's Banking on Experience. Topics we covered include:Sales Culture at your CU: a taboo topic? Biggest mistakes made in developing culture iQ CU's Reward System (and why it rocks)Some of Ali's success stories First Steps: where to start in creating the culture you wantAnd more Stay in touch with Banking on Experience by listening on Apple Podcasts, Spotify, or our website.Listening on a desktop & can't see the links? Just search for Banking on Experience in your favorite podcast player.

We talked with the Queen.The CU “Queen of Innovation,” that is. And she had some pretty spectacular advice for credit unions across the land.Anne Legg joins us this month on CU Changemakers: Women On Work (WOW) to chat all things CU (and then some). Hosted by CRMNEXT's Banking on Experience, this podcast series celebrates extraordinary women in the credit union world—and it doesn't get more extraordinary than Anne Legg.As an Internationally recognized CU Industry Leader, Author, Educator, and Founder of THRIVE Strategic Services, Anne Legg has a lifetime of wisdom to offer. So, lean on in…there's much to learn! Topics we covered include: What data means to CUs todayThe power of data-driven experiences Women in the CU World who've inspired Anne THRIVE 101, and the story behind Anne's book, 'Big Data/Big Climb' Working with CUs of all sizesWhat's next for Anne and her organization Upcoming: ‘Date with Data' Event (May 2-3)Anne's Top Tips for Women in the Movement And more Stay in touch with Banking on Experience podcast series by listening on Apple Podcasts, Spotify, or our website.Listening on a desktop & can't see the links? Just search for Banking on Experience in your favorite podcast player.

I believe the children are our future…Great song. True statement. Reaching that younger K-12 audience is, in fact the key to securing the future of the credit union movement. And making sure that your CU is driving positive change around DEI is paramount. We know this, but… it can still seem a little daunting. So, where do you start? Glad you asked! Lisa Koenecke (she/her), Certified Diversity Professional sat down with me to share her extensive wisdom on the subject, and the conviction and passion behind her insights was palpable. Listen in, learn, and secure a brighter future for your CU—this week on CRMNEXT's Banking on Experience. Topics we covered include:- The biggest challenges CUs face in addressing the K-12 audience- Best practices around financial education – particularly for adolescents- Creating experiences for young people- Top priority: what K-12 need most from your CU- Inclusivity & DEI: Lisa's top tips- Changing the world (yes, really) - And more Stay in touch with Banking on Experience by listening on Apple Podcasts, Spotify, or our website.Listening on a desktop & can't see the links? Just search for Banking on Experience in your favorite podcast player.

What do you do when you run into a brilliant, self-proclaimed “data geek” whose company is committed to helping CUs? You interview him! And you share some of that brilliance with your listeners. That's precisely what CRMNEXT's Joshua Barclay did at the most recent NACUSO event. Jamie Jackson, CEO at Arkatechture graciously agreed to sit down for a chat, and he shares some fantastic insights around data and the CU space—this week on CRMNEXT's Banking on Experience. Topics we covered include:What Arkatechture is all about Some of the biggest misconceptions CUs have around dataInnovating and staying relevant Avoiding data intimidation: how data can empower the “average” employeeThe skinny on dirty dataHow to choose the right tools for your CU And more Stay in touch with Banking on Experience by listening on Apple Podcasts, Spotify, or our website.Listening on a desktop & can't see the links? Just search for Banking on Experience in your favorite podcast player.

Ya gotta' love connections made at conferences. And CRMNEXT's own Joshua Barclay made a pretty spectacular one at the NACUSO event this past year. Dan Daggett, President at Daggett Enterprises USA, LLC has been in the CU Industry since 1993, and he has a wealth of wisdom to offer. Lucky for us, he graciously agreed to sit down and share some of that hard-earned wisdom—this week on CRMNEXT's Banking on Experience. Topics we covered include:- What CUs need to do to remain relevant- Mission meets Profitability: how to juggle both - Dan's top advice for CUs- Proactive vs. Reactive: choosing the former- Maneuvering the tightrope that IS today's economy- Changing Lives: some of Dan's personal experiences- And moreStay in touch with Banking on Experience by listening on Apple Podcasts, Spotify, or our website.Listening on a desktop & can't see the links? Just search for Banking on Experience in your favorite podcast player.

CU Changemakers: WOW (Women On Work) is thrilled to welcome to the podcast a true pioneer in the credit union movement. She has made - and continues to make - massive, positive changes in her community, in the CU space as a whole, and in the lives of those fortunate enough to know and work alongside her.Welcome Kim Daigle, President & CEO of the Insurance Trust in Westbrook, Maine! Topics we covered include: - Kim's Journey to becoming the 1st woman CEO of the Insurance Trust - Women who've influenced Kim throughout her career- A brief history of the Insurance Trust, why it's unique, and where Kim's taking it- How Kim created her MEWA (Multiple Employer Welfare Arrangement)- Top tips for other orgs interested in creating a MEWA- Kim's advice for other women in the space- What's on the horizon for Kim and the Insurance Trust- And more Stay in touch with Banking on Experience podcast series by listening on Apple Podcasts, Spotify, or our website.Listening on a desktop & can't see the links? Just search for Banking on Experience in your favorite podcast player.

If greater innovation is a goal at your CU, member service is no doubt the first place you're aiming to tackle. But it can be tricky…The world's changing every day, and people expect more. Period.So, where do you start? Glad you asked, because – as it happens – I sat down with an expert on this very subject. Cori Poland, Chief Experience Officer at Rivermark Community Credit Union offers top tips around how CUs can implement more innovative ways to service members—this week on CRMNEXT's Banking on Experience. Topics we covered include:The biggest challenges CUs face around member service in generalCori's implementation of new technology + the failures she learned fromWhat younger members want Why offering options is so essential Credit-driven, tech-enabled members & the role employees play And more Stay in touch with Banking on Experience by listening on Apple Podcasts, Spotify, or our website.Listening on a desktop & can't see the links? Just search for Banking on Experience in your favorite podcast player.

Feeling charged up and ready to keep resolutions in 2022? If you're anything like us, service sits at the top of that list. And when it comes to your credit union, the importance of member service in today's changing world simply cannot be overstated. I got to sit down with Cheryl Purrington, Senior VP of Sales and Service at ACFCU for some of her fantastic perspective around this vital subject—this week on CRMNEXT's Banking on Experience. Topics we covered include: Why Cheryl is passionate about member servicingSome of the biggest challenges CUs face in this areaFresh inspiration: stories that fuel Cheryl's commitment to great member serviceA peek into ACFCU's new “Be Nice” CampaignHow to bridge servicing and growth to hit goals The power of being proactive vs. reactive And more Stay in touch with Banking on Experience by listening on Apple Podcasts, Spotify, or our website.Listening on a desktop & can't see the links? Just search for Banking on Experience in your favorite podcast player.

Ah the limitless power of networking. We all want to access it more effectively, but the goal can be daunting. Luckily, I got to sit down and chat with an expert on the subject. Sara Freeman, VP of Business Development at Truity CU shares some fantastic insight around how you and your credit union can turn networking into a community building exercise—this week on CRMNEXT's Banking on Experience. Topics we covered include:Why Sara's passionate about networkingHow your CU can build a proper network Building network + helping community Loyalty vs. Convenience: how networking fosters bothWhat a give-first mentality can do for your CUTop tips for getting out of your comfort zoneA direct challenge to our listenersAnd more Stay in touch with Banking on Experience by listening on Apple Podcasts, Spotify, or our website.Listening on a desktop & can't see the links? Just search for Banking on Experience in your favorite podcast player.

No doubt about it. The CU Space is filled with spectacular people whose stories are too often untold – particularly those of the MANY women in the industry who are driving the kind of change needed in the communities they're an integral part of.And that, my friends, is precisely why CU Change Makers: Women On Work (WOW) was created. Sponsored by CRMNEXT's Banking on Experience, this podcast launches its first episode today, and we can't wait to share it with the world! Joining forces to shine light on the unsung heroes of the CU space are Stephanie Smith, Executive Director of America's Credit Union Museum and Jonathan Taylor, CEO of CU Sol – two people incredibly passionate about the movement and the people in it. So let the storytelling begin! What's covered in our inaugural episode? An intro to our hosts, Stephanie Smith and Jon Taylor (JT) More about America's CU Museum- the birthplace of the movement Past, present, future: why preserving it ALL mattersKeeping the history alive: an invitation to every CU The ‘Women in Credit Union History' exhibit (coming Oct. 2022)Partners with a purpose: the who behind the podcast CU Sol's CU Safe Initiative (and other amazing efforts on the horizon) Future guests And more Stay in touch with Banking on Experience podcast series by listening on Apple Podcasts, Spotify, or our website.Listening on a desktop & can't see the links? Just search for Banking on Experience in your favorite podcast player.

We couldn't be more thrilled about what episode 88 entails! This month, a new podcast series called CU Change Makers makes its debut, sponsored by CRMNEXT's Banking on Experience. And co-hosting this exciting new collaboration is Stephanie Smith, Executive Director of America's Credit Union Museum. Stephanie joins us to share more about the Museum's past, present, and future and to offer just a small taste of what you can expect from CU Change Makers. We can't wait for you to get your ears on it! Topics we covered include:- How America's Credit Union Museum came to be- How your CU can take action & get involved- What the future of the Museum looks like- Maintaining and developing the credit union story- Changing the world (yes, really) - And more Stay in touch with Banking on Experience by listening on Apple Podcasts, Spotify, or our website.Listening on a desktop & can't see the links? Just search for Banking on Experience in your favorite podcast player.

Looking to lend more efficiently at your FI? (Does a bear poop in the woods?)We've got you covered! Brian Geary, President of Linear Financial Technologies is an expert in this area, and he joins me to share top tips—this week on CRMNEXT's Banking on Experience. Topics we covered include:- Reviving the SMB Economy through lending: how your FI can help- The effect work from home has had- Biggest lending challenges FIs face (and what you can do about them)- The Open Banking Revolution defined- How AI helps with efficiency- The role tech plays - How the Fintech world plays into this- And moreStay in touch with Banking on Experience by listening on Apple Podcasts, Spotify, or our website.Listening on a desktop & can't see the links? Just search for Banking on Experience in your favorite podcast player.

You've got brand. You've got customer and member experience. But are you focusing enough on the link between the two? We're talking bridges here, folks. And joining me to offer his expert advice on what steps financial institutions can take is Co-Founder and President of InnerView Group, Chris Wallace—this week on CRMNEXT's Banking on Experience. Topics we covered include: Biggest misconceptions about experience in the financial worldThe role that brand plays Measuring experience: foundational steps for FIs How your FI can manage branding experience more effectivelyWho owns experience in your org Technology's Role And more Stay in touch with Banking on Experience by listening on Apple Podcasts, Spotify, or our website.Listening on a desktop & can't see the links? Just search for Banking on Experience in your favorite podcast player.

Hear that? Yep, it's 2022 knocking at the door. And, if you're brainstorming how to make this the best year yet for your credit union and its members, we've got some expert advice I think you'll appreciate. Jordan Beyer, Founder at Organizational Health Solutions, LLC and Grassroots Advocacy Manager for NWCUA is passionate about the CU space and its future. He sits down with our own Joshua Barclay to discuss how financial inclusion, innovation, tech, and more play a role in helping the credit union movement survive and thrive—this week on CRMNEXT's Banking on Experience. Topics covered include: Jordan's story - why our expert is so passionate about credit unionsRemaining relevant: top tips for CUsFinancial Inclusion and the role CUs playProfitability: can financial inclusion be a stepping stone? Member experience and what Jordan thinks CUs can improve onTech trends and how to weed out what's right for your CUGoing above & beyond: stories of CUs putting members first And more Stay in touch with Banking on Experience by listening on Apple Podcasts, Spotify, or our website.Listening on a desktop & can't see the links? Just search for Banking on Experience in your favorite podcast player.

When you get a chance to chat with the CUSO Guru, you grab it! And that's just what CRMNEXT's own Joshua Barclay did at NACUSO's 2021 Conference. Lucky for our Banking on Experience listeners, he recorded the conversation to share with you! Guy Messick (the CUSO Guru) has been in the CU Industry for over 35 years. He is currently the CEO of NACUSO Business Services, Inc., and we're thrilled he was willing to share his wisdom.Topics we covered include:The importance of NACUSO's 2021 event and of CUSOs within the CU industry How Guy became the Guru: a peek into his history Predictions on the impact of recently expanded CUSO powers Innovation and Staying Relevant: Top Tips for CUsWhat excites Guy most about his role with NACUSO And more Stay in touch with Banking on Experience by listening on Apple Podcasts, Spotify, or our website.Listening on a desktop & can't see the links? Just search for Banking on Experience in your favorite podcast player.

Let's be honest – GRC (Governance, Risk Management, and Compliance) gets a bad rap. Your credit union team members don't break for lunch and say, “Hey! Let's play GRC bingo!” But…maybe they should. Ok, that's a stretch. But the truth is, this topic is massively important when it comes to your financial institution. And no one can offer better insights around it than Amanda Cohen, Director of GRC Products at Resolver and my guest expert this week on CRMNEXT's Banking on Experience. Topics we covered include:Why Amanda is passionate about GRCShifting mindsets: how your CU can (and should) Biggest GRC challenges for credit unions Your frontline + GRC: top tips on making them besties Better ways your CU can leverage the GRC Team How data appliesThe Impact of GRC on Member ExperienceAnd more Stay in touch with Banking on Experience by listening on Apple Podcasts, Spotify, or our website.Listening on a desktop & can't see the links? Just search for Banking on Experience in your favorite podcast player.

Feeling hunted? Not an ideal place for a credit union to find itself, but – for many CUs today – them's the hard facts, folks. So how can your credit union avoid mergers and acquisitions? And why should you want to? To answer these questions (and many more), I'm joined by CEO of CU Sol, Jonathan Taylor – this week on CRMNEXT's Banking on Experience. Topics we covered include:The whats and whys of CU SolClarifying: Mergers of Mercy vs. Mergers of StrengthHow CUs get in this spot to begin with The Vendor Ecosystem that serves this Industry How to ensure there remains a free marketJT's top tips for CUsAnd moreStay in touch with Banking on Experience by listening on Apple Podcasts, Spotify, or our website.Listening on a desktop & can't see the links? Just search for Banking on Experience in your favorite podcast player.

Ready, set, LEAD! For many, their induction into a leadership role is akin to a polar bear plunge – jump in and hope you don't drown (while smiling for the camera.) Others enjoy the advantage of mentors to guide them more gently into the deep end. But one thing's true across the board: Becoming the kind of leader that financial institutions need in this ever-changing world isn't easy. That's where Laurie Maddalena comes in. Laurie is CEO and Chief Leadership Consultant at Envision Excellence, a Certified Executive Coach, and my honored guest this week on CRMNEXT's Banking on Experience. Topics we covered include:Why Laurie is so passionate about cultivating better leaders Grooming your org's future leaders: how FIs can help Their success = your success (addressing fears around mentoring leaders who'll ‘surpass' you)Technical expertise vs. Leadership skills: more purposeful talent development Laurie's top tips for adjusting your financial institution's approach to leadership Embracing feedback + continuing to learn And more Stay in touch with Banking on Experience by listening on Apple Podcasts, Spotify, or our website.Listening on a desktop & can't see the links? Just search for Banking on Experience in your favorite podcast player.

This week we put our sole focus on Financial Inclusion Week. An entire week dedicated to just that.Previous episodes from Michael Murdoch, Denise Wymore, Seth Brickman, Whitney Anderson-Harrell, Dan Marquez, and so many more.Language barriersServing a younger generationServing an older generationFinancial EducationTackling DEIServing the underserved communitiesProviding financial opportunities for those with no credit scoreServing members and the community on their termsWe hit on them all throughout this podcast

It's a pretty indisputable fact that CUInsight has found a home at the heart of the credit union community. And this week on CRMNEXT's Banking on Experience, we're honored to have CUInsight Co-Founder, Randall Smith join us to share the story of this fantastic organization. Topics we covered include:How CUInsight came to beLove at first click? How they gained adoption so quickly Lessons from failure Top successes (and how they got there)Partnering with CUInsight: what vendors need to know What's next for CUInsight And more Stay in touch with Banking on Experience by listening on Apple Podcasts, Spotify, Casted, or our website.Listening on a desktop & can't see the links? Just search for Banking on Experience in your favorite podcast player.

Are you speaking the love language of your members? As credit unions, you're not serving numbers. You're serving people. And people? Well, they tend to have a whole lot of individual preferences. Meeting the needs of members on their time and in their place can make ALL the difference for your financial institution.Joining me this week on CRMNEXT's Banking on Experience is a true expert on the subject. Seth Brickman has worked with both Amazon and Microsoft, is a Veteran of the United States Navy, and is now CEO of QCash. He brings a wealth of knowledge, and I'm excited for our listeners to get their ears on it. Topics we covered include:Why Seth is so passionate about meeting the needs of CU members Some of the biggest gaps (and how your CU can address them) What coming from Amazon and Microsoft has done for Tom's perspectiveMeeting members' high expectations: how CUs can up their gameWhy communication preference is key Branching out: how incorporating tech can help And more Stay in touch with Banking on Experience by listening on Apple Podcasts, Spotify, or our website.Listening on a desktop & can't see the links? Just search for Banking on Experience in your favorite podcast player.

Be honest – do DEI discussions make you nervous? You're not alone. As it happens, there's a lot of fear around these topics. The real question is: what are you going to do about it? May I humbly suggest you tune in this week to CRMNEXT's Banking on Experience, as DEI advocate Dan Marquez (they/them), also known as Madam Nymphadora, share some incredible insight into how you and your financial institution can break down that fear and be part of positive change. Topics we covered include:Why Dan is so passionate about this topic Cancel culture (and how it feeds the fear) How to: nurturing and developing group discussions at your CUThe 3 core emotions that will change your CU's culture for the better Dan's perspective on the current DEI movement in the credit union space Embracing differences without conflictAnd moreStay in touch with Banking on Experience by listening on Apple Podcasts, Spotify, or our website.Listening on a desktop & can't see the links? Just search for Banking on Experience in your favorite podcast player.

Hope you're well…We say it without thinking. But as leaders, it's our responsibility to make sure those words carry real weight – for ourselves and our employees. And this week, Banking on Experience teams up with The Strategic Hotbox podcast and its fantastic host, Dr. Brandi Stankovic (COO and Chief Strategy Officer of CU Solutions Group) for a takeover episode that puts mental health front and center. Topics we covered include:Why Dr. Stankovic is passionate about mental wellness in particularSome of the biggest challenges leaders face in addressing mental healthTackling mental health (and stigmas around it) at every level of your org Breakin' it down: a plan of action (that will make a real difference) Top 3 “kick-ass” takeawaysAnd more Stay in touch with Banking on Experience by listening on Apple Podcasts, Spotify, or our website.Listening on a desktop & can't see the links? Just search for Banking on Experience in your favorite podcast player.

We can see into the future. Ok, not really. But Tom Millon, CEO of Computershare Loan Services (CLS) has a pretty good idea of what we can expect when it comes to the future of mortgage and lending. (Hint: It has a lot to do with improving the tech gap that still exists there.) And he joins me this week on CRMNEXT's Banking on Experience to offer valuable insight on the subject. Topics we covered include:Computershare and Loan Services in a nutshellWhy Tom is passionate about his business (and the tech that helps it)What loan services can do today to ensure their tech grows with themAddressing mortgage pain pointsBridge the gap: simplifying lending and mortgage processesDefault situations: how tech can helpAnd more Stay in touch with Banking on Experience by listening on Apple Podcasts, Spotify, or our website.Listening on a desktop & can't see the links? Just search for Banking on Experience in your favorite podcast player.

"Come together right now...."Credit unions all over are discovering the rockin' power of more effective collaboration. And there's perhaps none more passionate about that concept than Benjamin Hering, Director of Engagement at Minnesota Credit Union Network and a previous Filene i3 participant. He sat down with me this week on CRMNEXT's Banking on Experience to discuss. Topics we covered include: - Why Ben's so passionate about collaboration within the CU space - The risks of NOT collaborating - How credit union leagues can collaboratively address issues - Tips for CUs who don't have a league in their region - How vendors can help - And more Stay in touch with Banking on Experience by listening on Apple Podcasts, Spotify, or our website.Listening on a desktop & can't see the links? Just search for Banking on Experience in your favorite podcast player.

The world is a'changin' at a pace that's given most of us chronic whiplash. – And when it comes to your credit union's member experience, adapting quickly to meet today's needs can feel a touch daunting. Not to worry- Lauren Culp, Publisher & CEO of CUInsight (and “Right on the Money” Judge for the 2nd year in a row) is an expert in this area. And she sat down with me this week to share top tips, on CRMNEXT's Banking on Experience. Topics we covered include:Why Lauren is passionate about thisImproving digital: how your CU can step up in this areaOther ways technology can (and should) play a role Factoring in employees' working remotely Lauren's top 3 tips for creating a cohesive, seamless member experienceAnd moreStay in touch with Banking on Experience by listening on Apple Podcasts, Spotify, or our website.Listening on a desktop & can't see the links? Just search for Banking on Experience in your favorite podcast player.

I double-dog dare you…to implement a culture that actually delivers.Diving into that realm does require chutzpah – from a leader who's willing to go where others don't. Lucky for our listeners, I got to sit down with one such leader this week on CRMNEXT's Banking on Experience. Sundie Seefried is CEO and President at Safe Harbor Financial (and former CEO at Partner Colorado CU), and she offers some fantastic suggestions on implementing a culture that's more than just talk. Topics we covered include:A culture that Counts: why Sundie caresWorking up to CEO: what she's learned along the wayAdvice for those aspiring to leadWhat Sundie's learned from failureGame playing (and why it has no place in your culture)The story behind + key takeaways from Sundie's bookAnd more.Stay in touch with Banking on Experience by listening on Apple Podcasts, Spotify, or our website.Listening on a desktop & can't see the links? Just search for Banking on Experience in your favorite podcast player.

Let's just get it out there: Not all credit unions are created equal.BUT every one of them (from the smallest to the largest) has the potential to be fully “flawsome,” and that's the truth.Nanci Wilson of University FCU defines this fantastic word – and offers top tips on creating a better, more empathetic culture at your credit union – this week on CRMNEXT's Banking on Experience. Topics we covered include:“Flawsome” defined Why Nanci is passionate about this Nation-wide feedback she's received on the subjectMaking good (like actually) on your mission statementEmpathy Mapping Positive changes at your CU: where to start And more Stay in touch with Banking on Experience by listening on Apple Podcasts, Spotify, or your favorite podcast appListening on a desktop & can't see the links? Just search for Banking on Experience in your favorite podcast player.