Co-chair of billion dollar company gives advice on how to be sucessful

first_imgReddIt Sophia Doumani Twitter Rec Center fighting stigma of women and weight lifting ReddIt Facebook Dean Erekson interviewing guest speaker Dina Dwyer-Owens. Sophia Doumanihttps://www.tcu360.com/author/sophia-doumani/ Sophia Doumanihttps://www.tcu360.com/author/sophia-doumani/ Sophia Doumanihttps://www.tcu360.com/author/sophia-doumani/ Winter weather causes health concerns Linkedin Sophia Doumanihttps://www.tcu360.com/author/sophia-doumani/ Facebook Twitter Linkedin Students debut performances of drag personas as part of unique new course TCU may become a smoke and tobacco-free campus The College of Science and Engineering Dean, Phil Hartman, retires after 40 consecutive years Previous articlePhotograph of Trevone Boykin engaging young Iowa State fan goes viralNext articleRepublican presidential candidate visits Fort Worth Sophia Doumani RELATED ARTICLESMORE FROM AUTHOR Students share stories of discrimination + posts printDina Dwyer-Owens shared with TCU business students how she helped turn her father’s dream into a business worth more than $1 billion in a discussion on Oct. 7.John V. Roach dean of the Neeley School of Business O. Homer Erekson interviewed Dwyer-Owens about the Dwyer Group in the Brown-Lupton University Union Ballroom.Erekson teaches a class called “Ethical Decision Making” and recommended that all his students come and hear Dwyer-Owens speak. The event included a complimentary breakfast as well as networking opportunities for TCU business students.“Dean Erekson told us about this great opportunity to hear about someone successful in business,” said Kyle Whelpley, a finance and entrepreneurial management major. “I want to run my own company one day, so I’m excited to hear from someone who’s been very successful with what they do and to get some advice with how I can be successful in the future.”“I’m excited to hear about some of the principles we’ve talked about and how that’s related to Dina’s business and how she’s been able to grow her business based off of ethical practices,” said Kate Benuska, an entrepreneurial management major.Dwyer-Owens attributes her personal success, as well as the success of the Dwyer Group, to a code of values originally developed by her father.“The thing he really drove home with us as employees and as his children, with six kids in our family all raised in the business, initially, was that we’ve got to lead with values,” Dwyer-Owens said. “I think that it is the true foundation for success at the Dwyer Group.”The Dwyer Group code of values is embodied in the acronym “R.I.C.H.” which stands for respect, integrity, customer focus and having fun in the process.“Living rich is not about money,” Dwyer-Owens said. “These values are really about how you treat people. We think that when you treat people with respect and dignity, it builds wealthy relationships, so I do say that living rich creates wealth, but that wealth first comes in relationships.”Students said they liked Dwyer-Owen’s focus on values and the talk she gave.Marketing major Ellen Keim said she really enjoyed listening to Dwyer-Owens.“I loved getting to hear a strong, successful woman speaker that adheres her company to a high ethical standard through defined values,” Keim said.Benuska said she loved listening to Dina Dwyer because the speaker was genuinely passionate about the role of ethics in her business.Dwyer-Owens said her biggest piece of advice for students is, “whether you’re going to start your own business or you’re going to go work for someone else, always remember who you are at your core and always work hard to be the best version of yourself.” Sophia is a senior broadcast journalism and communication studies double major. She is currently writing and producing stories for TCU 360 and TCU News Now. Condensed semester, lost week to snowstorm adding to some students stress during finals weeklast_img read more

Tournament of Roses Announces New Executive Director / Chief Executive Officer

first_img Pasadena’s ‘626 Day’ Aims to Celebrate City, Boost Local Economy Make a comment faithfernandez More » ShareTweetShare on Google+Pin on PinterestSend with WhatsApp,Virtual Schools PasadenaHomes Solve Community/Gov/Pub SafetyCitizen Service CenterPASADENA EVENTS & ACTIVITIES CALENDARClick here for Movie Showtimes Subscribe Community News Name (required)  Mail (required) (not be published)  Website  Your email address will not be published. Required fields are marked * People Tournament of Roses Announces New Executive Director / Chief Executive Officer From STAFF REPORTS Published on Thursday, December 1, 2016 | 4:08 pm Top of the News HerbeautyCreative Ways To Burn Calories That Require Little EffortHerbeautyHerbeautyHerbeauty14 Effortless Looks That Make Men StareHerbeautyHerbeautyHerbeautyHere Are Indian Women’s Best Formulas For Eternal BeautyHerbeautyHerbeautyHerbeauty6 Trends To Look Like A Bombshell And 6 To Forget AboutHerbeautyHerbeautyHerbeautyRub This All Over Your Body And He’s Guaranteed To Swoon Over YouHerbeautyHerbeautyHerbeauty8 Easy Exotic Meals Anyone Can MakeHerbeautyHerbeauty Pasadena Will Allow Vaccinated People to Go Without Masks in Most Settings Starting on Tuesday center_img David EadsTournament of Roses Executive Vice President and Chair of the Executive Search Committee, Lance Tibbet announced the hire of David Eads as the new Executive Director / Chief Executive Officer of the Pasadena Tournament of Roses. Currently, Eads is the Executive Vice President and Chief Operating Officer for the Los Angeles Area Chamber of Commerce and will be officially joining the Tournament of Roses team in February, 2017.Eads has held senior executive roles at the LA Chamber since 2000, and reports directly to CEO Gary L. Toebben. Currently he oversees Finance & Budget Management, Corporate Relations, Membership, Communications, Special Events, and the Chamber Foundation. He manages 12 direct reports, 70 staff members, and an annual budget of $15M for one of the largest chambers in the country.Retiring William B. Flinn, the Association’s current Executive Director/CEO, has been a part of the Tournament of Roses for 36 years. “Bill has been an invaluable asset to the Association and Community. His years of dedication and knowledge have established and reinforced countless relationships and will be an indelible part of our organization,” said Tibbet.Eads has attended every Rose Parade and Rose Bowl Game since 2000 when he moved to Los Angeles from Wichita, Kansas, where he grew up. Previously, he was Executive Vice President of the Wichita Convention & Visitors Bureau for ten years and developed the Greater Wichita Area Sports Commission.Eads also brought the live CBS national broadcasts of the “Miss USA” and “Miss Teen USA” Pageants to Wichita from 1990 to 1995 and consulted annually thereafter with the international host committee for Miss Universe Organization that produces the live Fox television broadcast.Eads earned his MBA and BA in Business Administration and Marketing at Wichita State University, and is certified as a Chamber Executive by the Association of Chamber of Commerce Executives based in Washington, D.C.This national search was managed by Berkhemer Clayton Retained Executive Search in Los Angeles, with a five-member team led by Betsy Berkhemer-Credaire, president and co-founder.“We are confident that David, due to his many talents and attributes, coupled with outstanding leadership qualities, will be a tremendous asset to the Tournament of Roses organization and will be a great fit with our volunteer-driven, staff-supported Association.” added Tibbet, “We are pleased to welcome David to the Tournament family.”About the Tournament of RosesThe Tournament of Roses is a volunteer organization that annually hosts America’s New Year Celebration® with the Rose Parade® presented by Honda, the Rose Bowl Game® presented by Northwestern Mutual and a variety of accompanying events. 935 volunteer members of the association will drive the success of 128th Rose Parade themed “Echoes of Success,” on Monday, January 2, 2017, followed by the 103rd Rose Bowl Game. For more information, visit www.tournamentofroses.com. Like us on Facebook and follow us on Twitter, Instagram and YouTube and visit our blog at blog.tournamentofroses.com. More Cool Stuff Get our daily Pasadena newspaper in your email box. Free.Get all the latest Pasadena news, more than 10 fresh stories daily, 7 days a week at 7 a.m. First Heatwave Expected Next Week Community News EVENTS & ENTERTAINMENT | FOOD & DRINK | THE ARTS | REAL ESTATE | HOME & GARDEN | WELLNESS | SOCIAL SCENE | GETAWAYS | PARENTS & KIDS Home of the Week: Unique Pasadena Home Located on Madeline Drive, Pasadena 0 commentsShareShareTweetSharePin it Business Newslast_img read more

Students protest against loan privatisation

first_imgOxford students joined their colleagues across the UK earlier this week to protest against the sale of student debt to private companies, announced by the government in in June.At noon this Wednesday, a small group of students and former students assembled outside the Clarendon Building on Broad Street to participate in an “open-air meeting” and demonstrate their discontent over the loan sell-off. Balliol JCR also passed a motion on Sunday condemning the government’s plan to privatise student loans and offering their support to the protesters.The events were scheduled as part of a wider ‘National Day of Action’, organised by the Student Assembly Against Austerity (SAAA). Over twenty six campuses from across the UK, including Oxford, LSE and Sheffield, were involved in the protest. The privatisation of student loan debt was announced as part of the government’s attempts to raise £15 billion from the sale of public assets to private companies by 2020.Xavier Cohen, who proposed the anti-privatisation motion at Balliol told Cherwell, “For me, it’s quite clear that the government’s plans to privatise our student loans are ideological. But what I think really convinced Balliol JCR students is the threat that privatisation will entail removing the cap on the interest rates we pay back on our loans. Even if such a policy was legally covered in the small print, realistically, this would mean retroactively increasing the interest rates that students were led to believe were capped.”David Willetts MP, the Universities Minister, swiftly defended the plans. In a public statement issued by the Department for Business, Innovation and Skills he said, “There will be no change to the terms of repayment so students shouldn’t be affected by the privatisation of their loans.”Many students, however, remain sceptical about the Minister’s promises. Olivia Arigho-Stiles from Somerville said, “This is yet another attack on the accessibility of higher education to less well-off students in this country.” Wednesday’s protest-meeting passed off without incident. One student who attended the meeting said, “The programme of debt-privatisation is wholly ideological. It is being operated entirely at the expense of all students. Either we speak out or be bled dry.”Other students, however, disagree with the protesters and the SAAA. One Keble second-year said, “The notion that there is still a clear-cut dichotomy between public and private debt is erroneous. All public debt held in US dollars and sterling becomes private debt at some point down the line by virtue of being constituted in private reserve currency… Objections raised over the ideological nature of privatisation are misplaced.”Local Green Party City Councillor and recent Oxford graduate Sam Hollick attended the the protest outside the Clarendon Building. He told Cherwell, “If you’re going to privatise student loans, you open them up to companies who want to make profit out of them, and the only way to make profit is to put up the interest rates on our debts. So results of this could be a hike in fees for students, even for people who’ve already graduated.”Asked whether he was disappointed by the very low turnout at the event – only a dozen students attended – Hollick replied, “I always think that it doesn’t take a huge number of people to change the world.”last_img read more

Fair offers hot tips for bakers

first_imgVisitors to the Bakers’ Fair in Manchester will learn survival tips and ways to reduce salt in products.Presentations at the fair include NAMB chairman Mike Holling talking about how craft bakers can survive on the high street during the credit crunch, while NAMB director Anthony Kindred will discuss salt reduction. Software company Red Black will illustrate the benefits of implementing software in bakery.The free show is from 9.30am to 4pm on Sunday 4 October at the Armitage Centre. For tickets, call 01792 365902 or register online at www.bakersfair.co.uk.last_img

Inside the Dudley House Co-op

first_img 10Alex Traub ’13 (left) looks on as Zoe Tucker ’13 writes the dinner menu on the whiteboard. The menu includes honey-lemon-cayenne-roasted broccoli, grilled tempeh marinated in soy sauce and maple syrup, eggplant coconut curry, farro with roasted beets and apples, green salad, and chocolate cupcakes. 5Xanthia Tucker ’13 prepares the salad for the meal, tossing the lettuce with homemade vinaigrette. 4Zoe Tucker ’13 (left) and Charlotte Lieberman ’13 prepare grilled tempeh and roasted broccoli for two of the main courses. 3Too many cooks in the kitchen? Xanthia Tucker ’13 (from left), Zoe Tucker ’13, and Charlotte Lieberman ’13 work around each other. 6In the kitchen, spices and herbs line the shelves in an eclectic mix of recycled bottles. 9Xanthia Tucker ’13 plates chocolate cupcakes for dessert. The recipe she uses is from the Flour Bakery cookbook, written by Joanne Chang ’91. The Dudley Co-op is Harvard’s sole on-campus alternative to the traditional House system. Thirty-two undergraduates live in a pair of Victorian houses nestled in a residential neighborhood just outside Harvard Square. The students buy food, cook, clean, and meet regularly to make decisions as a community.Zoe Tucker ’13, one of the two co-op presidents, explains that Dudley attracts students “with a lot of different expectations, interests, and routines, which is part of the beauty of our co-op.”Chores are divided up, using a point system that takes into account desirability and demand. Every day contains 11 regular chores. Students sign up every two weeks for their share of cooking, bread- and hummus-making, sweeping, tidying, and kitchen and bathroom cleaning.One recent evening, three Dudley residents prepared dinner. Tucker and Charlotte Lieberman ’13 cooked a vegan meal, while Xanthia Tucker ’13 baked chocolate cupcakes for dessert. With ease, the three women organized a feast of honey, lemon, cayenne-roasted broccoli, grilled tempeh (marinated in soy sauce and maple syrup), eggplant coconut curry, farro with roasted beets and apples, green salad, and the cupcakes (the recipe was taken from the “Flour” cookbook by alumna Joanne Chang, Class of ’91).As the women expertly prepared the evening meal, the conversation swirled around art, literature, film, and poetry. Fellow residents dropped in to peek at preparations and sample the menu.As the serving platters hit the table, the industrial-sized sink filled with trays, bowls, and pots. Above the sink, a sign reads: “We are not in the least afraid of pots. We are going to inherit the kitchen; there is no doubt about that. The bourgeoisie might blast and ruin its own kitchen before it leaves the stage of history. We carry a new kitchen here, in our hearts. That kitchen is growing in this minute.”Reworking the words of Buenaventura Durruti (1896-1936), a leading anarchist militant in Spain during the 1920s and ’30s, the scenario imagines the pots, encrusted in grease and crumbs, doing battle with kitchen workers. A nod to the leftist leanings of the occupants, it is a fitting sentiment for the nontraditional residence within the House system at Harvard. 1Harvard undergraduate students at the Dudley Co-op prepare meals for the House’s 32 residents. Zoe Tucker ’13, Charlotte Lieberman ’13, and Xanthia Tucker ’13 prepare a vegan dinner with chocolate cupcakes (decidedly non-vegan). Tucker (left) and Lieberman peel cloves of garlic for their recipe. 7Zoe Tucker ’13 (left) and Charlotte Lieberman ’13 prepare farro, a grain, with roasted beets and apples and broccoli roasted with honey, lemon, and cayenne. 12Amanda Hameline ’12, a guest of the co-op, and Alex Traub ’13 share a moment in the kitchen. 11Sitting down for a family-style dinner are Alex Traub ’13 (counterclockwise from left), Charlotte Lieberman ’13, Keerthi Reddy ’14, her brother, Karthik Reddy, who is at the Law School, and Ben Whitney ’13, one of the two co-op presidents. 2Zoe Tucker ’13, one of the two co-op presidents, prepares tempeh, slicing the whole soybean slabs into rhombus-shaped pieces. She then marinates them with soy sauce and maple syrup before grilling. 8Charlotte Lieberman ’13 adds a dash of seasoning.last_img read more

NorthCountry Federal Credit Union recognizes Champlain Housing Trust’s 500th home

first_imgNorth Country Federal Credit Union,This week, NorthCountry Federal Credit Union presented a donation of $2,500 to the Champlain Housing Trust in recognition of adding its 500th home to its permanently affordable homeownership program. The donation was authorized by NorthCountry’s Board of Directors and recommended by the staff, who has worked closely with the Housing Trust over the years to provide affordable homeownership opportunities to low and moderate income Vermonters. ‘This donation is such a generous one, and we’re so pleased that our friends at NorthCountry appreciate our efforts,’ said Brenda Torpy, CHT’s CEO. ‘For the credit union to step forward like this unsolicited and make a gift recognizing our lasting impact in the community, it just means so much to us.’ ‘Home ownership supports long-term financial stability, but it has to be affordable,’ said Jeff Smith, NorthCountry’s Lending Manager.  ‘The Champlain Housing Trust’s innovative approach to home buying is critical to allowing people to cross the bridge to affordable ownership.  We’re proud of our role in CHT’s quest to fulfill people’s dreams of home ownership, and congratulate the staff on their success and growth.’  With 500 homes in its shared equity homeownership program, CHT has provided the opportunity to buy a home for nearly 800 low and moderate income families over the last 27 years. By offering down payment assistance for qualified buyers in exchange for sharing market appreciation with future buyers, CHT has been able to create permanently affordable homeownership opportunities. CHT has pioneered this Community Land Trust model, one which was recognized by the United Nations with a UN World Habitat Award in 2008, and is now being implemented in London, Brussels and Sydney, Australia.  Over 240 Community Land Trusts are in the United States today. The Champlain Housing Trust stewards 500 shared equity homeownership properties and over 1,500 affordable rental apartments throughout Chittenden, Franklin and Grand Isle counties. In addition to providing affordable housing, CHT offers homebuyer education, credit counseling, foreclosure intervention support, affordable loan products and develops new homes for rent or for sale. More information is available at www.champlainhousingtrust.org(link is external). NorthCountry Federal Credit Union is a not-for-profit community-based financial cooperative.  Organized in 1950 by employees at General Electric’s Burlington plant, it is now the third largest credit union in Vermont.  It serves the Vermont counties of Addison, Caledonia, Chittenden, Essex, Franklin, Grand Isle, Lamoille, Orange, Orleans and Washington.  Deposit accounts are insured to at least $250,000 by the National Credit Union Administration.last_img read more

Moody’s: Markets Will Continue to Drive Electricity-Generation Shift Across U.S.

first_img FacebookTwitterLinkedInEmailPrint分享Moody’s Investors Services:US greenhouse gas emissions will likely continue to decline, driven by trends in the economics of renewable energy and gas-fired power generation, as well as efforts by private and sub-national entities, such as states and cities, to step in to compensate for the lack of federal carbon regulations. Low gas prices and the presence of tax credits for renewable energy through 2020 for wind and 2022 for solar, along with coal plant shutdowns, will maintain the pace of decarbonization for the next 3-5 years.“Looking ahead, state and local governments and private sector entities will continue to drive the growth of renewables,” says Swami Venkataraman, a senior vice president at Moody’s and the co-author of the report. “Several large corporations have 100% renewable energy goals and several states and cities have together pledged that they would help fulfill America’s Paris Agreement commitments.”In the absence of a nationwide emissions trading scheme, a number of states have set up cap-and-trade programs, either as a collective, such as the Regional Greenhouse Gas Initiative which is made up largely of northeastern states, or individually, such as California (Aa3 stable).Eight states, including large load centers such as California, New York (Aa1 stable) and Massachusetts (Aa1 stable), are moving toward legislating that renewables constitute 80-100% of supply by 2050. Some of these states, such as California, New York, Minnesota (Aa1 stable) and Connecticut (A1 stable), have an intermediate 50% target by 2030.Investor and shareholder preferences for greater corporate focus on sustainability also supports the decarbonization trend. Over the past five years, assets managed under sustainable, responsible and impact investing (SRI) strategies have more than doubled to $8.7 trillion.More: Moody’s: US exit from Paris Agreement would not stop decline in its carbon emissions Moody’s: Markets Will Continue to Drive Electricity-Generation Shift Across U.S.last_img read more

Uniondale Man Gets 25 to Life for Murder

first_imgSign up for our COVID-19 newsletter to stay up-to-date on the latest coronavirus news throughout New York A man was sentenced Wednesday to 25 years to life in prison for fatally shooting 34-year-old man near a church in Uniondale where parishioners were gathered for Sunday services.Nassau County Judge George Peck had found Jonathan Mack guilty in August of second-degree murder and criminal possession of a weapon.Prosecutors said the 20-year-old Uniondale man gunned down Isaac Andrews, also of Uniondale, after the victim intervened in an argument Mack was having with a woman on Hill Street on June 30, 2013.Four shots that Mack fired all hit Andrews, who died shortly later at Nassau University Medical Center.Police apprehended Mack in Florida a month later.last_img

Financial wellness strategies crucial for credit union growth

first_img continue reading » 4SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr Financial institution marketing has long focused on the milestones of life — first big job, marriage, homebuying, retirement. But that legacy focus may soon be eclipsed by the concept of financial wellness. Major life events clearly are still important, but are becoming just one part of a much larger priority.“Financial well-being is not exclusive to those ‘financial moments’ when consumers make purposeful decisions on their finances,” writes Jan Bellens, Global Banking and Capital Markets Deputy Sector Leader for EY. “It is driven largely by everyday behavior and decisions — some big and binary (such as deciding to get a college degree), some small and gradual (such as going to the gym).”Traditional financial institutions have not typically played a big role in these everyday financial decisions beyond handling transactions and providing loans — and in some cases providing transaction-related notifications. Money management tools mainly center around the monthly financial statement and call-center help. All important services, but pretty unexciting, Bellens observes.last_img read more

Essential ways for credit unions to improve loan operations processing

first_img 2SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Steve Maloney Steve Maloney is president/CEO of Sync1 Systems, has more than 20 years of experience in the Information Technology field in addressing issues specific to the financial services industry.  Prior … Web: https://www.sync1systems.com/solutions Details The adoption of technology in the financial sector is on a rapid rise. A Fintech report by PricewaterhouseCoopers shows that up to 77% of such institutions are stepping up their efforts to increase innovation. Credit unions are adopting the use of technology to make the member journey smoother and more efficient.The adoption of technology is also a strategy in a sink or swim environment. The competition is enormous, and only those credit unions that have better loan originations systems can survive. So, what are the essential ways the credit union sector can improve loan operation processes? How credit unions can improve loan operationsCredit unions have to step up to the demands and needs of the modern member. It requires a delicate balance between cost-saving measures and improving their capabilities for better efficiency. Some strategies to improve loan operations include the following:Cloud DeploymentCredit unions need to move away from Legacy learning systems that rely on manual steps for decision making. Cloud-based loan processing systems are efficient, hassle-free, and cost-effective. Document management, updating, and sharing are also easier. Lenders have access to a broad pool of data sources, which helps in quick decision-making. Cloud deployment allows for scalability without the associated cost of physical expansion or the need to hire more staff. Financial Literacy The credit union sector needs to invest in educating its members on financial issues. Members who have knowledge can evaluate products and make better decisions. By educating members, credit unions will build trust by helping them manage complicated financial situations. A member, who knows how to handle money well, avoids situations such as defaults, bankruptcy, or foreclosure. For the credit unions, it means higher loan repayments resulting in better or more profitable revenue streams.Digital DocumentationPaper transactions in loan processing are cumbersome and time-consuming. A report by Transunion shows that up to 70% of loan applicants abandon the application altogether due to how cumbersome the processes are.   Digital documentation is secure and eliminates errors that may arise from manual inputting. Sharing of documents and receiving feedback via the internet is quick and efficient.  Within minutes, it is possible to process a loan application, instead of days. Compliance and retention requirements are easier without having to store tons of paper documentation. Input from IT DepartmentsThe IT Department is the center of digitization. They ensure the proper running of the systems while keeping up to date with the latest technology. Those in the credit union industry must empower the teams appropriately.  Training on the latest technology is critical to maintaining the loan origination systems. The teams must plan to work well with vendors and other team members. Most importantly, they must understand member issues and how best to resolve them.Other ways to improve efficiencies in the credit union sectorOther than embracing technology, credit unions need to investigate other areas for better efficiency. Rethinking business strategies requires a shift from concentrating on areas that have low margins to more cost-effective business lines. It also means getting rid of time-consuming and complex processes that delay loan applications. Credit unions need to pay attention to historical metrics to determine more productive trends.Credit unions should take steps to better understand members or economic situations that may contribute to higher default rates. Putting in place measures to improve staff productivity. Such include clear expectations and roles, strategies to measure performance, training opportunities, and reward systems.Streamlining of operations to avoid time wastage in the execution of duties. Staff members need to engage in a culture of continuous improvement for better results.Adopting or integrating technology that has a role. It requires the mapping of processes and seeing which platform or technology can improve operations.Credit unions need to optimize the channels members use to interact with them. It requires careful analysis of performance and value additions. Providing convenience to members will improve the overall experience resulting in higher success rates.The adoption of web applications allows for scalability because credit unions can access members anywhere there is an internet connection.The adoption of mobile applications will allow credit unions to reach members wherever they are. The loan processes are also faster, and credit unions can share information and resolve any issues promptly.  Final ThoughtsCredit union operations’ process improvement requires attaining operational excellence. It needs credit unions to take an honest look at the current situation and take steps to improve areas of weakness. The use of data and analytics is a key component because it provides invaluable information. Channel optimization will help credit unions reach members at the point of convenience. Moving from manual to digital documentation and cloud applications will make loan processing faster and more secure. Investing in financial literacy for members will build trust and better decision-making capabilities.last_img read more