5SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Joe Winn What do you get when you mix auto loan programs with a desire to help others? Well, approaches that make a difference, of course. So what do you get when … Web: credituniongeek.com Details Did someone say “digital transformation”? Ok, that was everyone shouting it at the same time. Got it. I’m glad we made that transition. It’s all done by now, I presume? You’ve had, what, 4 months? How hard could it be?According to a survey from Cornerstone Advisors, 70% of respondents claimed their existing systems were barriers to change. As Ron Shevlin, in his Forbes analysis, so appropriately quipped, “the other 30% must have misunderstood the question.”Thanks, I truly LOLed. I hope you did, too.“Search your feelings; you know it to be true!” Ok, that was Luke Skywalker. And he was talking about some Force stuff. It’s not important. Fate of the galaxy and all. But not our galaxy, probably.If addressing your challenges to true digital transformation, right Skywalker was.We’ll discuss two factors that make your work harder. One is internal. The other, like the truth, is out there.Your Systems Can Be BetterIt’s an important discussion to have with your team, core provider, technology partners, and product support companies. (Disclosure: That’s people like me.)Case in point: One credit union’s lending person told me about a challenge with data matching. In arriving from two separate sources, they couldn’t compare easily. Their process was laborious and got, at best, 70% accuracy. Ok, but not good enough.With a seemingly-small update to their core, they were now able to use another piece of data for matching. Now, it was easy, automated, and 100% accurate. I asked what they did to make it happen. “Nothing, just getting our system to let us filter by that variable was all.”In their case, the credit union did not have to transition their core, change LOS providers, or undergo a multi-year planning phase. They just needed an update. Am I saying your challenges can be overcome that easily? Probably not. But some might.Your Members Need GuidanceA lot of your members embrace digital solutions. The moment they activated their new phone, your app got installed. Check deposit? Scan and go. Fund management? Easy.This is what you want to see. Consider adding some nonintrusive and short surveys into the app experience to make sure you’re serving their needs. And never be afraid to glance at what other CUs and banks add to their mobile platforms.Of course, I’m not suggesting to get into an app arms race. What works for Capital One customers may not be ideal (or feasible) for your credit union. But knowing is essential.And, of course, building your credit union mission into your app/digital platforms. What’s that mean? Make sure all features encourage responsible saving, a deeper relationship, and educate where able. Above all, make it all easy. Burying options in menus is not the way.Are Members Using Your Digital Functionality?Which brings us to ensuring your tech-savvy members know your app’s features. Look at usage metrics. Do all features see activity? I wouldn’t be surprised some members wish you had a certain capability, only to not know where it is (and thus assume it’s not there).Trust me, as the go-to “tech fix it” person in my social circle (yes, even remotely, it’s still my role), this is way more common than you think. I get this kind of thing all the time:“If only I could print straight from my phone! Emailing it to myself to open on the computer is such a pain.” “Um, you can print from your phone. Just hit the share icon, then Print.” “What? That’s amazing! How would I ever have found this?”Yes, I’m a genius. I tapped the button.That’s not your only member challenge.Do Members Trust Your Digital?For some people, there’s a “digital trust gap”. Before even diving in, let me say, I get it. For my own devices and services, I take major steps to ensuring my security and privacy. It’s way more than the average person. So for someone to want to avoid it all to stay safe? Sensible.What are some of the specific challenges? I’ll share a few I’ve heard:A paper check is more secure (not to mention convenient and privacy-protecting) than an online bill paymentMobile (contactless) payments are less secure than using a physical cardOnline banking services just gather up your personal information to sell it to others (or get hacked); it’s safer to just stay “offline” to protect against bad actors and corporationsWe could fact-check each of these points together, but why? You know much of it isn’t just false, it’s actually more risk in the opposite direction. Yet it’s also clear that providing facts doesn’t change minds; it can cause further “digging in” to incorrect beliefs.So how can you work with people who fervently believe your digital solutions are a danger? You acknowledge their concerns (because though wrong in conclusion, they are right in principle), then explain how your approach addresses each.Honesty & Transparency AlwaysWill you get everyone to jump onboard? Unlikely. But even for those who reluctantly use your online banking or manage to keep paper versions, they’ll recognize your commitment to honesty. And that’s how you build loyalty.In our time of forced digital acceleration, I’ve seen some successes. Someone I know who aggressively rejected online banking now has to use it. And you know what? He’s fine with it. They managed to address his concerns well enough.Systems Are Just Part of the ChallengeYou’ll read and hear from a lot of people in our industry talking about digital transformation. I’ve been one of them for as long as I can remember. Everyone has good intentions; to shift credit unions into a digital future to remain effective and competitive.We know your existing systems are a huge part of that challenge. Unfortunately, I can’t help you with that, only recommend speaking with the providers for their best guidance. Then, moving forward, work with partners who recognize your current and future needs.As you aim to grow your membership, wiz-bang tech features are fine, but they must be rooted in achieving your mission. Show how what you provide highlights the “credit union difference”, even in what people thought was a basic banking concept.What have you done to reach, assist, and empower members during your suddenly-rapid digital transition?
—– GREENE, N.Y. (WBNG) — Chenango County dispatchers told 12 News that no injuries were reported following a barn fire that occurred at 2605 State Highway 12 Friday afternoon. 12 News originally reported the fire was located in the town of Oxford. This story has been updated to reflect this is not the case. 12 News has a crew on the way to the scene. Dispatchers say the crews were dispatched to a report of a tractor fire inside a barn around 11:37 a.m. Eventually, the call was upgraded to a report of a barn fire. This is a developing story. Stay with 12 News for further details. Dispatchers were unable to tell 12 News further details regarding the fire. Dispatchers were unable to confirm with extent of damage done to the tractor or the barn. 3:39 P.M. UPDATE: Dispatchers say crews were on scene for two hours. GREENE, N.Y. (WBNG) — Crews are responding to a report of a barn fire at 2065 State Highway 12 in the town of Greene, Friday. The following departments responded to the fire: Greene FireBrisben FireSmithville FireOxford FireCoventry FireSmithville FireChenango County Fire Coordinators
Tipperary’s footballers have been praised for their open style of play that’s contributed to their All Ireland Championship dream staying alive. The Premier County are now preparing for an All Ireland semi final in three weeks time following a comprehensive win over Galway in Croke Park on Sunday. Liam Kearns men surprised most national pundits with their powerful and commanding display against the Tribesmen during a game which they won with a comfortable 9 point margin. Tipp’s opposition for the semi final will be decided this weekend between Mayo and Tyrone….former Tipp senior footballer, and Tipp FM analyst Conor O’Dwyer says Tipp have a great chance of being able to overcome either side.
The stadium redevelopment is due to be complete by next July but Chairman Ger Lane says it won’t be done in time for the provincial quarter-final with the Premier.A date, venue and throw-in for the tie will be decided at a later date by the Munster Council.
Donegal Action for Cancer Care are asking all people registered to vote in Donegal to ask their choice of candidate and indeed all those seeking election where heath matters are on their agenda?The group says is not enough for the candidates to tell us how important it is too them.“We at DACC want to know what will they do to protect health services for the people of Donegal? You need to know if the health care you or your family need will be there if & when you need it. “Budgets cuts & recruitment embargo have already had a major impact on our own general hospital in Letterkenny as well as Donegal’s community hospitals. Waiting lists get longer with people waiting years to get seen for health services.“Acute hospital budgets nationally were cut by €56.5million in 2013 and now in 2014 the hospital budgets are cut for this year by €250 million.The service plan for Primary Care Services says “primary care schemes through the Primary Care Reimbursement Service include a cost reduction challenge of €231 million in 2014.And remember things like medical cards are under a comprehensive review of client eligibility and prescription charges with the “delisting” of some drugs from payment by your medical card. There are so many other key & important health & health care issues that are all facing more major cuts like homecare & community support services that we in DACC have serious concerns about.The primary aim of DACC is ensure the people of Donegal have access to world- class cancer services whilst ensuring the retention and development of all cancer services at Letterkenny General Hospital. Cancer patients need access to other health services so no health service is safe anymore.DACC have had fears over the last 3 plus years that the major cuts in place with more on the way that the health needs of Donegal people are in serious danger and under major threat. With Mr Tony O’ Brien the Director General of the HSE warning the Government at the beginning of this year “that a failure to provide funding for its proposed developments for this year could be contrary to the best interests of patients”, DACC are certain that we have yet to have the full impact of these major cuts to our health care service and the impact on the sick people of Donegal.CANCER GROUP ASK ELECTION CANDIDATES WHERE HEALTH SERVICES ARE ON THEIR AGENDA was last modified: May 16th, 2014 by StephenShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to share on Pocket (Opens in new window)Click to share on Telegram (Opens in new window)Click to share on WhatsApp (Opens in new window)Click to share on Skype (Opens in new window)Click to print (Opens in new window) Tags:donegalDONEGAL ACTION FOR CANCER CAREElections
In the doubles, Manu Attri and B Sumeeth Reddy, who In the doubles, Manu Attri and B Sumeeth Reddy, who became the first Indian mens doubles pair to qualify for the Olympics, will lead the challenge. Besides them, Akshay Dewalkar, young R Satwik Sai Raj of Andhra Pradesh and Mumbais Chirag Shetty would complete the line-up. India has been clubbed in Group B alongwith Indonesia, Thailand and Hong Kong and though it seems like a relatively easy draw, the absence of top players will hurt Indias chances to progress to the knockout stage in what is only their eighth appearance in the prestigious event. “Srikanth and Prannoys absence will be a setback, but Sameer and Sai have had some encouraging results of late and hopefully we can step up to the task and get some good wins,” Jayaram told PTI. Indian men will open their campaign against Thailand tomorrow and then square off against Hong Kong and Indonesia on Tuesday and Wednesday. “We are definitely in a tough group and getting through to the quarters is going to be an uphill task. All 3 group stage ties will be crucial. However, I believe that if we can get off to a good start by getting the better of Thailand it will be good moral boost,” said Jayaram. “Its hard to pick out any particular match that we will rely on as it is a well balanced team and every member will play a crucial role in getting the team through.” Since its inception in 1948-49, the Thomas Cup has been won by only four nations: Malaya/Malaysia, Indonesia, China and Japan while the Indian team failed to reach the knockout stage till 2006. In 2006, it was the mens team which broke the jinx by reaching the quarterfinals. In 2010, India lost to Indonesia 0-3 in the quarterfinals. In the last edition, India could not go beyond the group stage. PTI ATK PDS ATKadvertisement