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How to create a versatile digital transformation strategy

first_imgMuch like many other credit unions, digital transformation at Coastal Credit Union is driven by our members’ needs. Here’s a look at how your credit union can create a versatile digital transformation strategy to keep up with the ever-increasing expectations. Google, Amazon, Facebook, Apple and other technology firms have shaped user experience requirements for all industries. Credit union members are expecting fast access to their finances anytime, anywhere through their selected channel. It’s important for members today to feel that they can take control of their finances from their digital devices while having a trusted partner to guide them throughout their financial journey. The demand from members is pushing credit unions to reimagine digital delivery and it challenges us to break the constraints of our existing systems to provide a more personal and adaptable experience for our current and future members. In today’s climate, credit unions and financial institutions everywhere have faced unique challenges brought on by COVID-19. With branches temporarily closed during this time, we have seen a bright spot in being able to demonstrate and communicate to our members all that our current digital banking offerings can provide from home – beyond just checking balances and transaction history. By offering features such as “Tap to Save”, appointment scheduling, mobile check depositing and emergency relief assistance, we’re proud to deliver convenient self-service access to members to assist them on their path to financial well-being in these tough times. In an effort to help members manage their finances amid the pandemic, we also offered a unique Skip-A-Pay option on our digital banking platforms. This allowed members who qualify to skip three months of loan payments simply by accepting our offer through our digital platform. The goal was to provide a user friendly, self-service mechanism that empowered members to take better control of their COVID-19 financial health. Transforming for the Future Our team does not shy away from big and bold ideas, which we feel is key to creating a versatile digital transformation strategy. Your credit union’s leadership team must constantly be thinking outside the box (and outside our industry) to continue evolving. From appointment scheduling to loan origination and everything in between – our team has brainstormed ideas for enhancing current services, as well as providing new ones. One of the biggest challenges that we have faced has been the system limitations of legacy products and providers. Coastal, like many credit unions, faces the challenge of being tied to a digital banking platform and the digital road map of that provider. Credit unions on those platforms have very little influence over enhancements to the product as changes are typically driven by the providers’ next contracted sell. Another key component of developing a versatile digital strategy is thinking about the future as we know this is the digital age and members will only expect more robust options from their financial institutions. Our digital vision for the next 2-5 years is to deliver a comprehensive suite of services to our membership that meet a full spectrum of financial needs, spanning all life stages and events, that is delivered through an engaging, immersive, and contextually relevant digital experience. Ideally, our experience will be both feature-rich, easy to use, and evergreen. A digital transformation strategy is necessary for credit unions to thrive into the future and often credit unions find external partners, such as Constellation, to achieve what’s next. Constellation is the answer to the legacy system challenge credit unions have faced for decades. The open platform promises industry changing advancements in online and mobile banking for credit unions. Through this partnership, we will be able to leverage new fintech partnerships to create the digital financial services of the future. In addition, Coastal is also leading the charge partnering with fellow credit unions in the creation of CU Railz. CU Railz is a CUSO that leverages the next generation PayRailz payment services platform. Together, this fintech partnership will finally deliver the payment ubiquity our members have been seeking. Because the truth is…our members don’t really care about the “how” money is moved:  transfer, ACH, card payment, Bill Pay, A2A, P2P, etc. They just need us to quickly and easily move their money. CU Railz will deliver a frictionless, “single-pane-of-glass” money movement experience. Regardless of asset size, to stay competitive, all credit unions should leverage the vast fintech marketplace, which plays such a critical role in providing innovative digital services. Member expectations for digital will continue to be driven by the largest fintech providers in the world. To be successful, and level the playing field with mega-banks, it will require credit unions’ cooperative investment in partnerships and collaborations that drive major digital transformation for the mutual benefit of our industry. We can no longer “go it alone!” 1SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,David Faleski David Faleski has been serving members of the credit union industry since 1993. The last 17 years of his career have been spent at Coastal Credit Union in the beautiful … Detailslast_img read more


Classy Hazard lands top PFA award

first_img The 24-year-old Belgian has scored 18 goals across all competitions for his club this season, helping the Blues win the Capital One Cup and putting them on the brink of a first Premier League title since 2010. He was rewarded for his sterling performances with the top individual award of the night at the Grosvenor Hotel in London. Tottenham striker Harry Kane won the Young Player of the Year award and was second in the voting for the top prize, with Manchester United goalkeeper David De Gea third. Victory in their next two games – at Leicester and at home to Crystal Palace – would see Chelsea wrap up the championship. Hazard said of his award success: ” I’m very happy. One day I want to be the best and what I did this season is play very well, Chelsea played very well. “I don’t know if I deserve to win but it is good for me. “It is good, it is better to be voted by the players – they know everything about football. This is good. I’m very happy.” He took the Young Player of the Year prize 12 months ago, and has rapidly progressed to the top award. “We are almost champions, maybe this is the key,” said Hazard. ” Last season we finished third and this season we have an opportunity to win the league. This has changed from last season. “I continue like I did last season – I try to be the same. I try to score more goals than last season. Personally I have played a good season, I have been there in the big games and I scored a lot of important goals, this is why I’m better this season.” Hazard’s goal last weekend earned Jose Mourinho’s men a 1-0 win over Manchester United. Chelsea midfielder Eden Hazard was the toast of the English game on Sunday as he carried off the PFA Player of the Year award. Press Association He picked out that moment as one of his best of the campaign. Asked to describe his season in a single word, Hazard struggled. “I don’t want to say ‘amazing’ because it is not finished yet – maybe amazing!” he said. “I started the season not to be the PFA player of the year but it was in my head – I want to be the best and I hope one day I can win a lot of trophies. “I just want to say thank you to the players who voted for me – it is always good to have an individual trophy but the most important thing is to win the league. “I hope I can win a lot of trophies again – the most important is to win the league, without my team-mates I would not be here. “Jose (Mourinho) lets me play, we talk sometimes together and when I’m on the pitch I know what I have to do, this is most important. “We are almost there to win the league. “Last season we finished third, now we can bring the trophy to Stamford Bridge, personally I have played a very good season, have scored a lot of important goals and this is why I’m here. Mourinho has long sung the praises of the 24-year-old, believing he is rivalled by only Lionel Messi and Cristiano Ronaldo in the global order. ”I had lots of stars, but he is the humble star,” the Portuguese said last weekend. “He knows that he is one of the three best players in the world, the responsibility that comes (with that) and he is coping with that responsibility. ”He understands that his talent is fundamental for the team.” Hazard was earlier on Sunday named in the PFA Premier League team of the year – for the third time in his three seasons in England. He was one of six Blues players in the XI, along with captain John Terry, Gary Cahill, Branislav Ivanovic, Nemanja Matic and Diego Costa. Ivanovic, though, was in no doubt as to the team’s most influential cog. The Serbia defender, speaking about Hazard last week, said: ”He has been our most important player since day one. ”He is the guy who you just have to give the ball and he will do everything. ‘Sometimes he looks so impressive, like he is not from this world.” Hazard arrived at Stamford Bridge in June 2012 – having been crowned Ligue 1 player of the year in each of his final two campaigns with Lille – for a fee reportedly around £32million. Kane – the only English attacking player in the team of the season – also had a night to remember. The 21-year-old has enjoyed a remarkable rise to stardom, scoring 30 goals for Spurs in all competitions this term despite not being given a regular starting slot until November. He helped Mauricio Pochettino’s men to the Capital One Cup final, and also scored 79 seconds into his senior England debut as a substitute in the 4-0 European Championship qualifying victory over Lithuania at Wembley last month. South Korean midfielder Ji So-yun made it a Chelsea double by taking the Women’s Player of the Year award. She said: “I’m really, really happy to be nominated alongside Hazard, I’m really proud of myself and Chelsea, and the Chelsea Ladies team.” last_img read more


Seven Dodgers, six Angels become free agents as MLB offseason begins

With the conclusion of the 2018 World Series Sunday night, 145 players officially became free agents Monday.Included in that group are seven Dodgers – C Yasmani Grandal, LHP Hyun-Jin Ryu, 2B Brian Dozier, IF Manny Machado and RHPs Daniel Hudson, John Axford and Ryan Madson.Sign up for Home Turf and get exclusive stories every SoCal sports fan must read, sent daily. Subscribe here.Six Angels also became free agents – Outfielders Chris Young and Eric Young Jr., RHPs Garrett Richards, Blake Wood, Junichi Tazawa and Jim Johnson.In addition, the full roster for the MLB players’ tour of Japan was announced and three Dodgers will participate – pitcher Kenta Maeda, infielder/outfielder Chris Taylor and infielder/outfielder Kiké Hernandez. Dodgers hit seven home runs, sweep Colorado Rockies Boston Red Sox (7) – Nathan Eovaldi, Joe Kelly, Drew Pomeranz, Brandon Phillips, Craig Kimbrel, Ian Kinsler, Steve PearceChicago Cubs (6) – Jesse Chavez, Justin Wilson, Jaime Garcia, Jorge De La Rosa, Daniel Murphy, Bobby WilsonChicago White Sox (3) – Jeanmar Gomez, Miguel Gonzalez, Hector SantiagoCincinnati Reds (1) – Matt HarveyCleveland Indians (10) – Cody Allen, Michael Brantley, Andrew Miller, Oliver Perez, Josh Donaldson, Melky Cabrera, Lonnie Chisenhall, Rajai Davis, Adam Rosales, Josh TomlinColorado Rockies (5) – Drew Butera, Carlos Gonzalez, Matt Holliday, Adam Ottavino, D.J. LeMahieuDetroit Tigers (4) – Jose Iglesias, Francisco Liriano, Victor Martinez, Jarrod SaltalamacchiaHouston Astros (6) – Evan Gattis, Tony Sipp, Charlie Morton, Dallas Keuchel, Marwin Gonzalez, Martin MaldonadoKansas City Royals (1) – Alcides EscobarLos Angeles Angels (6) – Jim Johnson, Junichi Tazawa, Blake Wood, Garrett Richards, Eric Young Jr., Chris YoungLos Angeles Dodgers (7) – Yasmani Grandal, Manny Machado, Daniel Hudson, John Axford, Hyun-Jin Ryu, Brian Dozier, Ryan MadsonMilwaukee Brewers (3) – Gio Gonzalez, Curtis Granderson, Wade MileyMinnesota Twins (4) – Matt Belisle, Logan Forsythe, Chris Gimenez, Joe MauerNew York Mets (6) – Jose Reyes, Jerry Blevins, Austin Jackson, Jose Lobaton, Devin Mesoraco, A.J. RamosNew York Yankees (8) – Zach Britton, C.C. Sabathia, David Robertson, Andrew McCutchen, J.A. Happ, Adeiny Hechavarria, Neil Walker, Lance LynnOakland A’s (8) – Brett Anderson, Jed Lowrie, Shawn Kelley, Trevor Cahill, Jonathan Lucroy, Jeurys Familia, Edwin Jackson, Matt JoycePhiladelphia Phillies (4) – Jose Bautista, Asdrubal Cabrera, Aaron Loup, Wilson RamosPittsburgh Pirates (1) – Jordy MercerSt. Louis Cardinals (4) – Matt Adams, Bud Norris, Tyson Ross, Adam WainwrightSan Diego Padres (2) –A.J. Ellis, Freddy GalvisSan Francisco Giants (4) – Gregor Blanco, Derek Holland, Nick Hundley, Hunter PenceSeattle Mariners (7) – Gordon Beckham, Andrew Romine, Adam Warren, Nelson Cruz, Zach Duke, Cameron Maybin, David PhelpsTampa Bay Rays (2) – Carlos Gomez, Sergio RomoTexas Rangers (3) – Tony Barnette, Adrian Beltre, Bartolo Colon, Yovani GallardoToronto Blue Jays (2) – Tyler Clippard, Marco EstradaWashington Nationals (8) – Kelvin Herrera, Greg Holland, Joaquin Benoit, Tim Collins, Matt Wieters, Mark Reynolds, Bryce Harper, Jeremy HellicksonRelated Articles Cody Bellinger homer gives Dodgers their first walkoff win of season Dodgers’ Max Muncy trying to work his way out of slow start Fire danger is on Dave Roberts’ mind as Dodgers head to San Francisco The MLB team led by Marlins manager Don Mattingly will play seven exhibition games from Nov. 8-15 against the Yomiuri Giants and a team of Japanese all-stars. The games will be broadcast on MLB Network.Here is the full list of players who became free agents Monday:Arizona Diamondbacks (10) – Clay Buccholz, Patrick Corbin, Randall Delgado, Jeff Mathis, Jon Jay, A.J. Pollock, Daniel Descalso, Jake Diekman, Chris Stewart, Brad ZieglerAtlanta Braves (9) – Brad Brach, Lucas Duda, Rene Rivera, Ryan Flaherty, Anibal Sanchez, Peter Moylan, Nick Markakis, Brandon McCarthy, Kurt SuzukiBaltimore Orioles (2) – Adam Jones, Colby Rasmus How Dodgers pitcher Ross Stripling topped the baseball podcast empire Newsroom GuidelinesNews TipsContact UsReport an Error read more