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The importance of developing an omnichannel experience for your members

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first_imgAs technology evolves, so does your connection with credit union members. In today’s environment, your members may use several digital and in-person channels for conducting transactions and managing their money. And, while they may be heavily committed to one channel, members relish in the availability of multi-channels—providing them the flexibility to utilize the best option based on their needs at any given time. An omnichannel strategy involves allowing members to access credit union services from a variety of channels, including a website, a mobile app, social media networks, and physical branches. To further empower credit union, each channel should also provide metrics for your credit union to gather data and determine usage and engagement. In order to develop a complete omnichannel experience, there are a few important steps you should follow.Build an Online PresenceMembers research nearly every important decision they make online. That diligent research does not stop short of shopping for the best rates for loans and seeking out the credit union with the best-rated customer service reviews and most consumer-friendly options. Be sure you can be easily found online. You should have active, engaging social media networks, as well as a functional, easy-to-understand website. Create a Mobile AppPeople are relying on their phones to accomplish tasks they used to have to do in person. They expect to be able to access anything they can with their computer through their phone. Consumers also expect the mobile experience to be just as seamless as the desktop-based online experience. Be sure your mobile app is easy to understand and provides a wide assortment of features. If the creation of an app is beyond the realm of possibilities, consider partnering with a third-party vendor to bring the functionality and experience to your online environment. Reform Physical ChannelsAlthough digital channels are emerging as essential capabilities of a financial institution, physical branches remain important.  Consumers are attracted by experiences—both digital and physical. A place to develop community and relationships is what credit unions are all about.  Even with an influx of digital channels, branches will remain a vital hub for credit union outreach.  However, the transactions that are occurring at branches are shifting with the convenience online and mobile banking offer.  Therefore, branch design will need to reform to accommodate a higher demand on digital experiences. Consider using your physical presence to align with your digital experience—allowing it to stand alone or to be part of the “bigger picture.”Don’t Overlook Phone CallsThe moment consumers become a serious prospect, they pick up the phone and call. Across industries, consumers are using the phone to actually talk to businesses more than ever, according to BIA/Kelsey. BIA/Kelsey also reports that mobile customer phone calls will reach 162 billion by 2019. That’s more than double the calls made in 2014. Smartphones should make the transition from online to offline seamless. After all, consumers can go from a website, ad, or email to a phone call with just the tap of a button—something they’re choosing to do so at an increasing rate. Just remember, when it comes to personal finances, human conversations are the foundational building blocks of trust and long-lasting customer relationships.Initiate Personalized MarketingMembers have become accustomed to personalized marketing from a vast majority of retail brokers. Take Amazon, for example. They make their users feel cared for because they store vast amounts of data on every visit to their website. Using analytics from a data warehouse, they are able to suggest products people love or didn’t even know existed. And, their recommendations are usually right on the mark.Credit unions should follow the same approach for their members.  When members visit the credit union’s website, walk into a branch or open the mobile app, they want a personalized experience.  They want to receive advice and offers that are relevant to their current stage in life.  Suggesting products that members will love can only be achieved through an effective analytics program. That positions credit unions to be helpful rather than invasive.Launch Member-Centric Data AnalyticsAnalytics is the new buzzword for obtaining member data.  Learning as much about a member as possible in-person or over the phone has always been how credit unions developed deep relationships and offered wise counsel.  However, with the influx of new memberships and a widening array of products available, this is no longer a sustainable practice.  The sheer amount of product mixes available to members requires a more precise approach.  Collecting insight by analyzing members’ online activity and site/app usage is the new method for determining your members’ needs and deepening your relationship with them.Deliver Omnichannel Credit Union ExperiencesSince customers are looking for unique and lasting experiences, credit unions must distinguish themselves with exceptional ones.  Tailoring advice and products based on a member’s profile is a great place for credit unions to begin their omnichannel strategy.  Mastering the omnichannel experience is one of the greatest opportunities for the credit union industry and helping them to stay true to its roots and truly show care for their members.An omnichannel experience allows your members to start a transaction in one channel and complete it in another while having a similar experience and consistent system capabilities throughout. But, it’s not just the member who benefits from this approach. An omnichannel strategy will ultimately allow your credit union to improve performance, connect more meaningfully with your members, earn their loyalty, and make informed decisions that drive growth and improve service.CTA: For additional information on how to engage your members, download our new ebook, Meeting Consumer Self-Serve Payment Demand. 19SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Jason O’Brien As Director of Technology Strategies for SWBC’s Financial Institution Group, Jason is responsible for developing and launching new products and services that address financial institution needs and provide a … Web: www.swbc.com Detailslast_img read more

Edward Jones Named Firm of the Year by Money Management Institute

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first_imgFacebook39Tweet0Pin0Financial services firm Edward Jones was named the Advisory Solutions Firm of the Year by the Money Management Institute as the firm that most exemplified overall excellence and contributed to the long-term success and sustainability of the wealth management industry, according to Brent Conklin, a financial advisor in Yelm, WA.The award was presented at the Institute’s annual Gateway to Leadership Awards Dinner held recently in Chicago. The Money Management Institute is the national association for the managed investment solutions and the wealth management industry. This award recognizes the features and benefits of both of the firm’s advisory platforms.Edward Jones Advisory Solutions® is an asset allocation and advisory program that allows investors to select from research or custom models with an initial minimum investment of $50,000. The models use a combination of mutual funds, exchange traded funds and separately managed accounts in the construction of the portfolio and allow clients to delegate asset allocation, investment selection and portfolio rebalancing to Edward Jones.This program now offers 62 fully discretionary research models, in addition to custom models, which allow investors to design a model to match their unique investment needs. With the program’s custom models, clients retain discretion over the investment selection from the list of funds available in the program.Advisory Solutions has proved popular with Edward Jones clients. The program has grown to more than $75 billion in assets under management since its introduction in August 2008. Advisory Solutions now ranks as the country’s 4th largest mutual fund advisory program, according to MMI/Dover Research.In addition, Edward Jones offers a dual contract separately managed account program with more than $2 billion in assets under management.Edward Jones provides financial services for individual investors in the United States and, through its affiliate, in Canada. Every aspect of the firm’s business, from the types of investment options offered to the location of branch offices, is designed to cater to individual investors in the communities in which they live and work. The firm’s 12,000-plus financial advisors work directly with nearly 7 million clients to understand their personal goals — from college savings to retirement — and create long-term investment solutions that emphasize a well-balanced portfolio and a buy-and-hold strategy. Edward Jones embraces the importance of building long-term, face-to-face relationships with clients, helping them to understand and make sense of the investment options available today.In January 2012, for the 13th year, Edward Jones was named one of the best companies to work for by FORTUNE Magazine in its annual listing. The firm ranked No. 5 overall and No. 3 in Large Size Companies. These 13 FORTUNE rankings include top 10 finishes for nine years, consecutive No. 1 rankings in 2002 and 2003, and consecutive No. 2 rankings in 2009 and 2010. FORTUNE and Time Inc. are not affiliated with and do not endorse products or services of Edward Jones.Edward Jones is headquartered in St. Louis. The Edward Jones website is located at www.edwardjones.com, and its recruiting website is www.careers.edwardjones.com.Member SIPC.last_img read more

Avoid Wet Paint Lines on Tumwater Streets This Friday

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first_imgFacebook1Tweet0Pin0Submitted by The City of TumwaterOn Friday, September 12, 2014, road crews will be painting new center lines, edge lines and bike lanes on streets throughout the City of Tumwater. Work will begin at 10:00 a.m. and continue to approximately 5:30 p.m. Some traffic delays are expected. Please do not pass painting equipment or travel over freshly painted lines.Please avoid driving over wet paint.  The paint striping vehicle will be equipped with flashing lights, followed by at least two other vehicles with advisory signs. To avoid getting paint on your vehicle, do not pass the paint striping equipment and do not drive across painted lines if you see striping activity in the area. If you get paint on your vehicle, wash it off immediately.This work will be completed by the City of Tumwater Public Works Department with assistance from the Lewis County Public Works road crew. The application of striping and pavement markings requires dry weather conditions.  If inclement weather prohibits work, the schedule will be extended to the following weekend.Contact the City of Tumwater Public Works Operations and Maintenance Division at (360) 754-4150 for more information.last_img read more

Fishing the North Coast: Sport crab season set to open Saturday

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first_imgThe always-popular recreational Dungeness crab season will open state-wide this Saturday, with one big exception. State waters from Patrick’s Point, Humboldt County (41° 8.00’ N. Latitude) north to the California/Oregon state line will remain closed due to unhealthy levels of domoic acid. This closure, which will keep Crescent City anglers off the water, will remain in effect until domoic acid no longer poses a significant risk to public health.CDFW will continue to coordinate with CDPH and …last_img

Kurtenbach: Warriors forward Kevon Looney is poised to break out — again

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first_imgLOS ANGELES — What Kevon Looney is doing in the early goings of these 2019 NBA Playoffs isn’t a surprise.Yes, he might have the same net rating as James Harden through three games, and he might have a patently absurd true shooting percentage (85 percent), too, but this is not a fluke — this is one of the best bench bigs in the NBA providing the same kind of steady, stout play that brought about his breakout in last year’s postseason and carried into the 2018-19 regular season.The only …last_img

Operation Hydrate pours on water

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first_imgOperation Hydrate in QwaQwa in the Free State making sure people are hydrated. (Image: Operation Hydrate Facebook)This summer, South Africa is in the grips of the severest drought in 20 years, coupled with one of the harshest heat waves the country has experienced. The towns of Senekal, in Free State, and Aliwal North, in Eastern Cape, for example, have run out of water.In response, Operation Hydrate was established by good Samaritans from various communities, NGOs, religious groups and companies to play their part in saving lives and easing the suffering of thousands of people.The initiative hopes to distribute over a million litres of water to the drought stricken Free State and parts of Eastern Cape.“We have distributed over 350 000 litres of water so far,” said Yaseen Theba, Operation Hydrate’s co-ordinator. “We cannot sit by idly as we watch our fellow South Africans die of thirst. As civil society we have the power to make a difference and help those in need when we unite around a common cause such as this.“The joy on the faces of those who have been receiving drinking water is remarkable and most humbling. Many have not had water for weeks.”South Africa’s farming communities have been the hardest hit by the drought and livestock are suffering and dying, while crops are withering.GOVERNMENT SUPPORTThe portfolio committee on water and sanitation supports Operation Hydrate and views it as a noble initiative that must have the support of society as a whole.It urges everyone, from individuals to big business, to contribute. “It is only through a commitment to mutual action that the country will overcome the current challenge of water scarcity,” said Mlungisi Johnson, the chairperson of the committee.In addition, the committee urged all South Africans to recommit to a culture of prudent water use. This recommitment, coupled with vigilance in relation to water leakages, would ensure that South Africa saved water that was currently being lost.CORPORATE SUPPORTProudly South African has thanked and applauded all the volunteers and donors involved in Operation Hydrate. It also encouraged businesses and corporates to dig deep to support the relief efforts.“At times like these we’re called upon to be of service to humanity and to respond to the basic needs of our people,” said chief executive Lesley Sedibe. “Among these are the promises of a better life and the restoration of (the) dignity of our people, which includes a basic human right such as access to water.“This initiative shows that many South Africans from all walks of life naturally band together to help their fellow countrymen and -women who are in desperate need of assistance. Despite the many challenges we face, Operation Hydrate also shows we are still a people of hope and humanity. Ultimately what unites us is far greater than our differences.”Mango, the low-cost subsidiary of SAA, has contributed to the initiative by giving water to the value of R500 000 for distribution through the initiative.“South Africans have always rolled up their sleeves with immense resolve and this initiative, created entirely through a critical mass on social media, prompted action,” said Mango chief executive Nico Bezuidenhout.“There is no question about the strength of the South African character and as an airline for all the people, Mango was inspired to participate in our usual hands-on fashion and is purchasing water from a percentage of ticket sales this week.”For information about helping or where to drop off water or send donations, visit the Operation Hydrate Facebook page, or follow @HydrateSA on Twitter, #OperationHydrate.Have you played your part to make South Africa better for all? Share your story with us.last_img read more

Mandela centenary coin unveiled

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first_imgSouth Africa celebrates the centenary of the birth of Nelson Mandela throughout 2018; the commemoration begins this month with the announcement of a new design for the R5 coin that celebrates the life and work of Madiba.The design of the new R5 coin, commemorating the centenary of Nelson Mandela. The coin was issued as legal tender in South Africa in January 2018. (Image: South African Mint)Finance Minister Malusi Gigaba authorised the new coin for national circulation on 19 January 2018.The coin features a portrait of Mandela, with the years 1918 and 2018 engraved alongside new decorative security features. The flip side features the South African coat of arms, replacing the usual wildebeest design on the original R5 coin. This side also features the words “South Africa” in English and isiXhosa.Since 1996, all South African coins have borne one of the country’s 11 official languages on a rotational basis.The original R5 coin was introduced as legal tender in 1994, commemorating Mandela’s inauguration as South Africa’s first democratically elected president.Another dedicatory coin was minted in 2008 in celebration of Mandela’s 90th birthday.The design of the new R5 coin, commemorating the centenary of Nelson Mandela. The coin was issued as legal tender in South Africa in January 2018. (Image: South African Mint)In a statement announcing the minting of the 2018 coin, the Reserve Bank of South Africa advised that it was national legal tender and, while it may hold a special personal value to all South Africans, it would not increase in value if stockpiled by collectors.The Bank encouraged South Africans to use the coin: “If you receive one of these coins as change, please do not hold on to it. Use it to make a purchase so that the next person can also experience [its] beauty.” It added: “[While] there could be a buyer willing to pay a higher price to collect [the] commemorative circulation coin, the Reserve Bank does not attach a value higher than the face value to such coins.”Read more Brand South Africa articles on South Africa’s past commemorative coins: New R5 coin for Mandela’s birthdayThe Griqua Town R5 coinSouth Africa marks Queen Elizabeth’s 90th with Kruger Rand coinNew Mandela banknotes for South AfricaSource: Business Tech news website, GCIS, South African Mint Would you like to use this article in your publication or on your website? See Using Brand South Africa material.last_img read more

LeBron James ‘excited’ to return to Manila for ‘Strive for Greatness’ show

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first_imgRead Next UPLB exempted from SEA Games class suspension Don’t miss out on the latest news and information. LATEST STORIES SEA Games in Calabarzon safe, secure – Solcom chief “On my way to Manila! Excited to get back. #StriveForGreatness🚀” said James in a tweet.READ: LeBron James inspires, amazes fans in Manila FEATURED STORIESSPORTSWATCH: Drones light up sky in final leg of SEA Games torch runSPORTSSEA Games: Philippines picks up 1st win in men’s water poloSPORTSMalditas save PH from shutoutThis is James’ third visit to Manila.In 2013, fans even lined up for days just to get a chance to see him for the “Witness History” event. LOOK: Venues for 2019 SEA Games Kammuri turning to super typhoon less likely but possible — Pagasa READ: LeBron James headed back to Manila for Nike RiseTwo years after, he graced the final day of the the Nike Rise program, where under privileged kids got access to professional training for six weeks at the House of Rise.He is schedule to put on a show for his fans at Mall of Asia Arena Saturday afternoon.ADVERTISEMENT LeBron James dazzles Manila anew in his second trip to the country. Photo by Tristan Tamayo/INQUIRER.netLeBron James couldn’t hide his excitement over his return to Manila.The four-time NBA MVP is on his way to the Philippines for the “Strive for Greatness” tour on Saturday.ADVERTISEMENTcenter_img Brace for potentially devastating typhoon approaching PH – NDRRMC MOST READ Catriona Gray spends Thanksgiving by preparing meals for people with illnesses View comments WATCH: Streetboys show off slick dance moves in Vhong Navarro’s wedding LeBron James puts on show for ‘unbelievable’ PH fans for 3rd time PLAY LIST 04:50LeBron James puts on show for ‘unbelievable’ PH fans for 3rd time01:22Manila police chief: Cops tolerating illegal street vendors to get ax00:50Trending Articles01:37Protesters burn down Iran consulate in Najaf01:47Panelo casts doubts on Robredo’s drug war ‘discoveries’01:29Police teams find crossbows, bows in HK university01:35Panelo suggests discounted SEA Games tickets for students02:49Robredo: True leaders perform well despite having ‘uninspiring’ boss02:42PH underwater hockey team aims to make waves in SEA Games Eze leads Saints in takedown of Heroes in NCAA Season 93 All-Star Typhoon Kammuri accelerates, gains strength en route to PHlast_img read more

Cardinals Levi Brown Traded To Steelers

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Arizona Cardinals’ Levi Brown, 29, is leaving the team for the Pittsburgh Steelers according to The Associated Press.An anonymous source with knowledge of the deal says Brown is being traded for a conditional draft pick. Once Brown passes a physical, the deal should be final.Brown was the fifth overall pick in the 2007 draft by the Cardinals, but failed to live up to expectations. After being moved to different positions; missing all of 2012 season with a torn tricep; and giving up three sacks in their season opener, head coach Bruce Arians lost all faith in the big man.The Associated Press reports that he will be replaced by Bradley Sowell, claimed off waivers from the Indianapolis Colts on Sept. 1. Sowell played in 10 games for Indianapolis as an undrafted rookie last season while Arians was offensive coordinator, then interim head coach.The Steelers’ next game will take place in New York  against the Jets on October 13. read more