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CEO School. Building solutions with the spirit of collaborative venture capitalists. November 8 & 10, 2011. Today’s Agenda. What a CEO Needs to Know Pushing the buttons ( or assigning someone to push them for you). CEOs as Solution Designers CEOs as Developers

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ceo school

CEO School

Building solutions with the spirit of collaborative venture capitalists

November 8 & 10, 2011

today s agenda
Today’s Agenda

What a CEO Needs to Know

Pushing the buttons (or assigning someone to push them for you)

CEOs as Solution Designers

CEOs as Developers

CEOs Inspiring Your Teams to be Developers

CEOs Creating an Innovator’s Culture

ceo school1

CEO School

Where everyone is a Student and Everyone is a Teacher

what is ceo school we are all cooperative business designers
What is CEO School? We Are All Cooperative Business Designers

Why is CEO School becoming a tradition at CU*Answers?

  • With the expansion of our network, we have more talented CEOs than ever, and the value put on collaborative efforts is at an all time high
  • CEOs need to develop networks where they can coach and mentor each other from the unique position of being a CEO
  • More than ever, today’s CEO is expected to be engaged with technology and the concepts of data mining, opportunity demographics, and being plugged in
  • CEOs wear more than one hat, and CEO School is a safe training environment

CEO School speaks to the essence of why CUs own CU*Answers: so that their voice is heard, their ideas are worked on, and their priorities are considered as part of everything this CUSO tries to accomplish

my approach for 2012 confirming grasp in a challenging world
My Approach for 2012Confirming Grasp in a Challenging World
  • As we look at the last three years, I believe both CEOs and Board members have been under more pressure than ever to demonstrate their competence and to win people over to the fact that they have grasp of the situation, the moment, and the challenges of the future
    • More than what you say, it’s the evidence you document
    • More than what you document, it’s the confidence of your presentation
    • More than your historical experience, it’s the process of proving it, over and over again
  • As we go through the day, we need to constantly be thinking about how others are watching us and voting as to whether or not they are led by leaders with grasp

At a recent planning session, I asked the Board for their first-hand knowledge or evidence that they should trust the grasp of their CEO...how do you think they responded?

my approach for 2012 confirming grasp in a challenging world1
My Approach for 2012Confirming Grasp in a Challenging World
  • The silence was deafening...and for a moment, I could have filled the vacuum with my opinion of their CEO, instead of hearing theirs – I felt like an examiner, and I worried about the fate of the CEO
  • I wish they would have responded, “Because year in, year out, our leadership team proves it with a deep dive on knowing our members, knowing our operations, knowing our identity, and knowing our plan!”

All day long, ask yourself this question: “Am I ready to prove my organization’s grasp, to the point where my Board would testify on my behalf?”

what a ceo should know

What a CEO should know

How to go from static to trends

From print to presentation

How to network with a click

Learning from peers from your desktop

How to lead in a crowd

Be the reference for a network’s innovation

one stop shopping for management tools
One Stop Shopping for Management Tools

MNMGMX

Be sure to jot down your favorites for tonight’s deep dive hands-on lab

ceo dashboards a novelty that has become an expectation
CEO DashboardsA Novelty That Has Become an Expectation
  • Our standard for CU*BASE dashboards:
    • Select a group of records with something in common to analyze (loan apps processed between Oct 1 & 31, members who joined the CU last year, checking accounts opened last month, etc.)
    • The user is presented with a series of options to work with each of these records, one at a time (approve the app, send TIS disclosures, order a debit card, etc.)
    • The user is presented with a set of analyses that take the selected records and show as many pertinent facts as possible about that batch (# of apps pending, # of members who joined by age or gender, checking accounts opened by a specific employee, etc.)
  • Step 1 is like a report, Step 3 is like the totals or summary section on a report, but Step 2 creates a unique palette of opportunity to work and analyze at the same time

Is this gaining traction in your shop?

quick sidebar interactive trending is catching on cus are looking for more months to compare
Quick Sidebar: Interactive Trending is Catching OnCUs are Looking for More Months to Compare
  • Where people used to keep printed reports or update their own trending spreadsheets, today CUs want more than this month and last month when they use dashboards and reports
  • Coming in 2012, we will extend the data we store live on the system to include multiple months and more history
  • Do you understand how to get repeatable results? Can you look at a screen and intuitively discern why the data isdifferent from when youlooked at it 15 minutesago? Current data vs. static month-end data
from print
From Print...

Reports are still evolving, but they are no longer the standard for a CEO on the move

to presentation
...To Presentation

MNMGMT #22 New/Closed Memberships Dashboard

MNMGMT #21 New/Closed Accounts Dashboard

A little later we’ll do a deep dive on these tools at a live CU

from presentation to publication is your desktop ready to publish
From Presentation to PublicationIs Your Desktop Ready to Publish?
  • PDF exports emphasize presentation because they’re intended to be a finished, ready-to-distribute product rather than an intermediate product like an Excel workbook that users will most likely manipulate
    • Focusing on single-screen exports now, with the potential for flexible workflow-style exports that involve more than one screen
  • PDF exports use a third-party utility called iText that requires a license: one-time charge per workstation
    • Same approach as Excel exports: we provide the code to make it happen but interested clients are responsible for purchasing the tools
  • Goal is to offer PDF exports for every panel that supports Excel and CSV exports
    • Implemented in the 11.0 release (April/May 2011)– instructions available on the Reference Materials page under “P” for PDF
is your desktop ready to publish designing effective one page pdfs
Is Your Desktop Ready to Publish?Designing Effective one-page PDFs
  • The beauty of a live presentation of a dashboard is that there are tons of options and views of the situation
  • But how do we get better at a simple one-page summary of the situation that we might use in a Board packet, or you might distribute

from your desk to the desks of many

  • Not a booklet of options, just a simple communication for everyone to ponder

When do you send a postcard instead of a long letter?

is there a business for our network in all of this
Is there a business for our network in all of this?
  • Idea for a new service by Xtend or CMS: Business Analyst
  • Who could we hire to create the perfect Board packet? How would we automate it for you?
  • From Linda Bodie, WV United FCU: You guys are the experts at reports and data. Show it off. Do it for us. Offer analysis of key reports. Create a standard service, then offer à la carte stuff. Make recommendations for things like the following:
    • Hey, did you know your staff is waiving fees? You lost XX in fee income.
    • Teller #2 does 2 transactions per hour. What's he up to now?
    • If you implemented a rewards program, you could do this...
    • These are the most profitable accounts; these are costing you the most.
    • Did you know your competitors are charging XX for overdraft fees?
    • Peer comparisons.

Later today we’ll look at new Report Scheduler tools in development

ceo dashboards trending member money
CEO DashboardsTrending Member Money

On which of these will you do a deep dive tonight?

ceo dashboards internal controls
CEO DashboardsInternal Controls

On which of these will you do a deep dive tonight?

5300 call report project update leveraging a successful new tool
5300 Call Report Project UpdateLeveraging a Successful New Tool
  • 67 online CUs created their 3rd Quarter 2011 Call Report in CU*BASE (up from 54 last quarter)
  • Only 37online CUs uploaded their 3rd quarter Call Reports to the NCUA (why not all 67?)
  • Ratios Dashboard released in the 11.0 release (spring)

MNMGMT #9 5300 Call Report Ratios Dashboard

Let’s go to a live CU and do a deep dive on this tool

5300 call report project update 5300 tools still on the drawing board
5300 Call Report Project Update5300 Tools (still) on the Drawing Board
  • 5300 Data Trending Dashboard
    • Like Tiered Services, why shouldn’t that history that’s embedded in your 5300 database be at your fingertips?

Your input is needed!

ceo dashboards benchmarking activity
CEO DashboardsBenchmarking Activity

CHANGES COMING!

On which of these will you do a deep dive tonight?

sneak peek enhancing the online banking dashboard
Sneak Peek: Enhancing the Online Banking Dashboard

These changes coming soon!

NEW! Text Banking stats

Expanding to include Mobile Web stats

ceo dashboards auditing and mining member activity
CEO DashboardsAuditing and Mining Member Activity

NEW!

NEW!

On which of these will you do a deep dive tonight?

ceo dashboards understanding lending collections activity
CEO DashboardsUnderstanding Lending & Collections Activity

IMPROVED!

IMPROVED!

IMPROVED!

IMPROVED!

On which of these will you do a deep dive tonight?

ceo dashboards understanding member preferences
CEO DashboardsUnderstanding Member Preferences

On which of these will you do a deep dive tonight?

ceo dashboards understanding your membership
CEO DashboardsUnderstanding Your Membership

CHANGES COMING!

On which of these will you do a deep dive tonight?

every brainstorming session with every creative team yields another it could do this moment
Every brainstorming session with every creative team yields another “it could do this” moment

...and of course we’ll do accounts too

ceo dashboards understanding member activity
CEO DashboardsUnderstanding Member Activity

On which of these will you do a deep dive tonight?

learn from a peer not a novelty anymore

Learn From a Peer: Not a Novelty Anymore

A few years ago, this was just something neat you could do

Today, it’s becoming the first place you go to get a hint on what to do next, what to improve, and who to talk to about it

how to network with a click learning from peers from your desktop
How to Network with a ClickLearning From Peers From Your Desktop
  • Side-by-side comparisons, one peer at a time, will still be useful on occasion for complex configurations, but for most new LFP tools we will now be using an aggregate format with all your peers

A New Style for Aggregating Peer Data

Mark peers similar in size to your CU

At-a-glance view of peer configurations

how to network with a click learning from peers from your desktop1
How to Network with a ClickLearning From Peers From Your Desktop

Sample of aggregate style

Sample of side-by-side style

NEW!

NEW!

NEW!

NEW!

NEW!

NEW!

NEW!

NEW!

On which of these will you do a deep dive tonight?

building a network business with a free baseline tool
Building a Network BusinessWith a Free Baseline Tool
  • Many CUs in our network buy competitive rate analysis services from third parties
  • Xtend and CU*Answers have been tinkering with this for 18 months now
  • I’ve been dragging my feet on a major offering, wanting to build a foundation service where everyone could start thinking about rate analysis as native to CU*BASE

Xtend is dying to make this a specialty business as well

sneak peek lfp certificate rate analysis
Sneak Peek: LFP Certificate Rate Analysis

Coming soon

Gividends and Lender*VP see these tools as a whole new opportunity to consult on member product offerings, and how to use the power of CU*BASE.

how can we make coming soon be even sooner ceos as qc testers
How can we make “coming soon” be even sooner?CEOs as QC Testers?
  • Trying a new style of beta-testing
    • We’ll do a minimal amount of basic testing (screen functionality, data integrity, program errors, etc.)
    • Then we’ll place the command on a special area of the Learn from a Peer menu MNMGMB
  • CEOs will have a period of time to test the tool and report problems or suggestions to our QC team
  • We need you to dig into the data and verify a concept in the real world

New idea...what do you think? Will you participate?

slide39
How to Turn These Concepts Into Money in 2012 and BeyondData for the Sake of Data is a Missed Opportunity
  • Dashboards create an opportunity to lower the cost of driving action into our business plans at the press of a button
  • A screen refreshes, and by the time the data is apparent to the room, someone is saying, “we need to do something about that”

Gathering Data (reduce $ cost)

Analyzing Data (increase time)

Acting on Data (multiply the events)

Because of the nature of the beast, we gather data to comply, to imply, but very seldom to apply what we learned

putting on your developer hat

Putting on Your Developer Hat

How to lead in a crowd

Be the reference for a network’s innovation

CEOs DESIGN TO ACT

Aiming for knowledge that leads to action

harvest the power of ownership ceos wear many hats in driving our network development
Harvest the Power of OwnershipCEOs Wear Many Hats in Driving our Network Development
  • First, you lead by example and participate as a developer from the CEO’s chair
    • CEO Strategies, Leadership Conference, Randy’s emails, etc.
  • Second, you inspire your teams to be developers and participate with their peers
    • Push your organization towards initiatives like the Lender*VP Top 10 and Accounting Top 10, Idea Forms, education, etc.
  • Third, you drive development by creating an innovator’s culture in your organization: the courage for fast-to-market responses and the drive to use and evolve what we build
    • Be a beta-tester, get your senior team involved in implementations, make education a requirement, not an option, drive a learn-to-earn mentality into your team, etc.
a network of designers needs tools to keep in touch
A Network of Designers Needs Tools to Keep in Touch

Do we need to drill down on any of these?

ceos as developers get what you want from your perspective

CEOs AS DEVELOPERSGet what you want from your perspective

Examiners: concentration risk

New markets: brokering loans

New efficiencies: report automation

Head fake: promise deposits

concentration risk understanding the components of your loan portfolio

Project Champion:

Progressive CU

Concentration RiskUnderstanding the components of your loan portfolio
  • It’s a simple formula: select loans or borrowers from your portfolio and then have the system draw a picture of your risk, one member, or one loan segment, at a time
  • Our first Concentration Risk Analysis tool (coming in the 11.4 release) looks at individual members and the risk they represent when they have very large balances or a lot of loan relationships
  • Our next step (in development now) will be to design a Portfolio Risk Analysis tool that looks at groups of similar loan types– to help you find baskets that might have too many eggs

First up, the Concentration Risk Analysis for individual members...

concentration risk analysis analyzing borrowing habits of individual members

Project Champion:

Progressive CU

Concentration Risk AnalysisAnalyzing Borrowing Habits of Individual Members

MNMGMT #18 Loan Concentration Analysis

In beta now for Progressive CU; to all CUs in the 11.4 release (Nov./Dec.)

Let’s go do a deeper dive, live at Progressive CU

packaging loans for sale buying and brokering opportunities to each other

Project Champion:

Progressive CU

Packaging Loans for SaleBuying and brokering opportunities to each other

MNMGMT#24 Package Loans to be Sold

In beta now for Progressive CU; to all CUs in the 11.4 release (Nov./Dec.)

Intended for selling loans, but can also point to portfolio risk

Let’s go do a deeper dive at Progressive

portfolio risk analysis concentration risk at the product level
Portfolio Risk AnalysisConcentration Risk at the Product Level

Coming soon

  • This tool takes the best of both the Concentration Risk tool and the Packaging Loans tool to create an analysis of groups of similar loan types (baskets with too many eggs)
    • Enter capital $ to use as the denominator for the ratio
    • Select from list of loan characteristics (similar to the Packaging tool)
    • View list of loans that match your criteria
    • Click Analysis to see the ratio and other analyses of that group of loans

Let’s take a closer look...

sneak peek portfolio risk analysis
Sneak Peek: Portfolio Risk Analysis

Coming soon

Select the basket, divide it by your capital

sneak peek portfolio risk analysis1
Sneak Peek: Portfolio Risk Analysis

Coming soon

See the eggs in basket

See a summary analysis of this basket

keeping a promise from last year s roundtable automating reports queries
Keeping a Promise from Last Year’s RoundtableAutomating Reports & Queries

In development now...coming soon!

  • Report Automation Scheduler
    • Have our Ops team run a batch of CU*BASE reports and/or custom Query reports for you once a month so they’re ready when you come in to work (say, on morning of the 2nd)
    • New technique for storing report parameters, so the same report can be run the same way, over and over (either automated or when printing on demand)
  • Project goals:
    • To save you time when preparing for things like monthly Board reports
    • To streamline our system processing, especially on what is usually the busiest day of the month – instead of batch getting clogged up on the 1st, reports can be run in the wee hours of the morning when system resources are less heavily used
sneak peek automating reports queries
Sneak Peek: Automating Reports & Queries

In development now...coming soon!

Once you set up the report to run the way you like, instead of running it, will use a new Save Settings feature...

sneak peek automating reports queries1
Sneak Peek: Automating Reports & Queries

In development now...coming soon!

More than one person can save their own settings, either to make it easier to run on demand any time, or for monthly report automation

sneak peek automating reports queries2
Sneak Peek: Automating Reports & Queries

In development now...coming soon!

There will also be a separate program where you can look at all reports that have been retrofitted to the new process, and set up parms to run reports automatically each month

sneak peek automating reports queries3
Sneak Peek: Automating Reports & Queries

In development now...coming soon!

For your custom reports (Queries), we’ll have a new program where you can schedule them to run (either to a report or to a database file) automatically each month

sneak peek automating reports queries4
Sneak Peek: Automating Reports & Queries

In development now!

The system can even be instructed to use the most recent month-end snapshot when generating the report

other report pdf projects still in the works
Other Report/PDF Projects Still in the Works
  • PDFs from reports (direct via iSeries) – what can we do with the standard CU*BASE printing options?
    • For instance, if we are going to have a cool PDF Board packet, it will need a cool PDF Balance Sheet and Income Statement
  • Your staff is looking for a PDF of the CTR
  • How do we hook up PDFs to It’s Me 247 to distribute forms or even collect forms for eDOC servers?

It’s still on our plate

head fake develop the expectation then evolve the strategy for where you wanted to go
Head Fake: Develop the Expectation... ...Then evolve the strategy for where you wanted to go
  • By now we’ve talked about freemiums, where you evolve a common practice with a goal for premium practices, at a price (printed statements...)
  • Now let’s talk about Check 21 and remote capture
  • Are we having trouble getting members to engage with the technology because we haven’t developed an expectation of remote deposits in their minds
    • It’s new and geeky instead of just the next step in what they already do
  • How do we build a market and then sell a solution that’s win-win, for your member and for you?`

Where else might freemiums fit your future?

sneak peek promise deposits
Sneak Peek: Promise deposits

Coming next year!

Enrollment

sneak peek promise deposits1
Sneak Peek: Promise deposits

Coming next year!

Details

sneak peek promise deposits2
Sneak Peek: Promise deposits

Coming next year!

Tracker

sneak peek promise deposits3
Sneak Peek: Promise deposits

Coming next year!

View

sneak peek promise deposits4
Sneak Peek: Promise deposits

Coming next year!

Confirm

sneak peek promise deposits5
Sneak Peek: Promise deposits

Coming next year!

OBC Sales Pitch

What we hope our big depositors will see as the future

speaking of new online banking goodies how about a new mobile web look
Speaking of New Online Banking Goodies...How About a New Mobile Web Look?

Once again, this will just show up as part of our new fast-to-market release strategy...are you on board?

in case you re not paying attention to the kitchen
In Case You’re Not Paying Attention to the Kitchen

Slated for the 11.6 release (Mar./Apr.)

don t let your online banking initiatives get derailed 73 participants on 11 2 2011
Don’t Let Your Online Banking Initiatives Get Derailed (73 Participants on 11/2/2011)
  • Do your risk assessments in 2012

The software is ready...are you?

http://auditlink.cuanswers.com

ceos inspiring your teams to be developers what can you earn through collab rebate

CEOs INSPIRING YOUR TEAMS TO BE DEVELOPERSWhat can you earn through collabrebate?

Lender*VP top 10

Thinking about accounting top 10

Aggregation & telleringin 2012

lender vp top 10 year 2
Lender*VP Top 10: Year 2
  • On October 26, we kicked off year 2 of the Lender*VP Top 10 development priorities
  • 2012 will be a big year for your lending department as far as implementing many of the changes from 2011
  • I hope your team will celebrate their participating in year 1, and will be a big part of the effort in 2012
  • Next let’s review a few things I thinkevery CEO should be ready to coverwith their loan teams in 2012

http://lendervp.com/lendervp-priorities-for-2011/

lender vp top 10 year 21
Lender*VP Top 10: Year 2

Download the presentation from our October 26 event and brainstorm with your team on what it will mean in the coming months

lending development for 2012 choosing our next top 10
Lending Development for 2012Choosing our Next Top 10

Go to the Kitchen and vote for your favorites!

  • App Check
  • Expanding the Loan Application (employers/income)
  • Loan Queue Stats Enhancement
  • Integrating eDOC loan packages into CU*BASE
  • New & Refinanced Loan History Report
  • Enhancements to Online Applications
  • Net Yield analysis tools
  • Associated Applications (marital property and other situations)
  • CU*BASE SE (Servicer Edition)
  • Enhanced 247 Lender Decision Model (joint filters, etc.)
  • Mortgage Payoff Estimator / Payoff Letter
  • Configurable Loan Officer Ratios (what ratios would you use? what are the calcs?)
  • Loan Application Workflow Controls
  • Loan Product Controls (new defaults and loan flow controls)
  • Create a new escrow type for PMI
  • New addendum record for separate tax reporting, escrow analysis disclosure change (CU*BASE SE)
  • Reporting Credit Score to Members via Online Banking
  • Improving Credit Report Archival and other Credit Report Enhancements
credit scores history one of my favorites from the top 10 lending focus group
Credit Scores HistoryOne of my Favorites from the top 10 Lending Focus Group
  • Create a new credit score history file to store data every time a credit score is pulled for a member
  • When implemented with the 11.5 (year-end) release, we’ll convert all existing scores we find anywhere on your database, then going forward this history will be populated each time a new score is obtained from any source

Under construction ...coming soon!

Let’s take a peek...

sneak peek credit scores history
Sneak Peek: Credit Scores History

Under construction ...coming soon!

FULL PULL = your staff pulled a credit report

MANUAL = your staff entered the score manually

SOFT PULL = we ran a custom program to pull in scores in a batch (for risk score adjustment, promotions...ask Lender*VP about this service!)

sneak peek credit scores history1
Sneak Peek: Credit Scores History

Under construction ...coming soon!

Display 12 months worth of scores in graphical format

sneak peek credit scores history2
Sneak Peek: Credit Scores History

In the design phase: input needed

Next step: displaying scores to members online...what are the challenges?

accounting top 10 will your accounting team be ready to be developers
Accounting Top 10Will your accounting team be ready to be developers?

Watch the Kitchen and upcoming announcements about the kickoff this development project

working through new look and feel ideas aggregation tellering in 2012
Working Through New Look-and-Feel IdeasAggregation & Tellering in 2012
  • Your teams have been reading about Teller Processing “Currently Serving” in the Kitchen – 2012 will be a big year
ceos creating an innovator s culture be a cheerleader for implementation

CEOs CREATING AN INNOVATOR’S CULTUREBe a cheerleader for implementation

Build implementation into your business plan

Show a calendar plan for doing the work

A perfect example: What will you do with text banking in 2012?

be a cheerleader for implementation build it into your business plan
Be a Cheerleader for ImplementationBuild it Into Your Business Plan
  • I continue to see business plans related only to results, and when results disappoint, Board and staff members become disillusioned and start second guessing
  • Does your business plan has some slam-dunk improvements built in?
  • Do you inventory what is available and set goals to simply turn it on?
  • Does your business plan include an innovator’s engine?
    • What does your savings products “release” for 2012 look like?
    • What does your lending products “release” for 2012 look like?
    • What does your member services “release” for 2012 look like?
  • Do you have a process that crunches the numbers?
    • Nominates x ideas, completes x proofs of concept, and rolls out x every year

Highlight what you know you will do before you speculate on what you wish you could do

be a cheerleader for implementation build it into your business plan1
Be a Cheerleader for ImplementationBuild it Into Your Business Plan
  • When you write your business plan, will you ask your team leaders to present 1-3 new tools they can guarantee they will turn on in 2012?
  • What did they drive in 2010 and 2011 that have still not shown up in your membership offerings or day-to-day operations?

How does an individual balance their own priorities against an army of individuals building a comprehensive solution?

Understanding the squeaky wheel principle (some call it escalation)

http://www.cuanswers.com/client_release_summaries.php

a picture is worth a thousand words what work is guaranteed in your business plan
A Picture is Worth a Thousand WordsWhat Work is Guaranteed in Your Business Plan?

If your team can’t give you a plan equivalent to this, buy ours

a picture is worth a thousand words what work is guaranteed in your business plan1

When will you have a year-long plan around outbound efforts? You’ve been saying you know you have to go after revenue, but you refuse to dial for bucks

2012: Can you put a stake in the ground?

A Picture is Worth a Thousand WordsWhat Work is Guaranteed in Your Business Plan?

If your team can’t give you a plan equivalent to this, buy ours

will you drive a member winner in 2012 it s me 247 mobile text banking
Will you Drive a Member Winner in 2012?It’s Me 247 Mobile Text Banking
  • Beta-test status report:
    • Western Division CU: 177 two-way messages from 16 different accounts
    • VacationLand CU: 97 two-way messages from 7 different accounts
    • About 28 devices overall enrolled in the system
    • Even Randy is sending text messages to CU*BASE these days!
  • Software is available to all CUs now (in with 11.3); doc is available on the Reference Materials page
  • Soft rollout campaign to begin next week
  • Grand opening planned after first of year, complete with marketing collaterals

Let’s go over to Randy’s account and take a look

will you drive a member winner in 2012 it s me 247 mobile text banking1
Will you Drive a Member Winner in 2012?It’s Me 247 Mobile Text Banking

Results of our straw poll regarding member fees (out of 13 responses):

  • 1 CU plans to charge a monthly service charge only
  • 2 CUs plan to charge per-text fees only, tiered according to # of texts
  • 10 CUs plan to charge a small monthly fee and then a per-text fee if member exceeds x texts per month
  • All plan to use some sort of relationship waivers
    • Included right out of the gate: age, aggregate savings, aggregate loans, e-statement enrollment, and presence of an OTB account
    • Coming next year: Tiered Services and Marketing Clubs waivers

Thanks for the responses – we got quite a few beyond 13, just not to statistician in time

two other favorite ceo inquiries moneydesktop and bill pay for mobile web
Two Other Favorite CEO InquiriesMoneyDesktop and Bill Pay for Mobile Web
  • MoneyDesktop interface
    • Soft launch with 11.5
  • EasyPay powered by iPay for Mobile Web
    • Soft launch with 11.5 (Dec.)
  • EasyPay powered by Fiserv for Mobile Web
    • Soft launch with 11.6 (Mar./Apr.)
one more look and feel concept i can t resist
One More Look-and-Feel Concept(I Can’t Resist)
  • New look for CU*Spy e-Statements