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A matter of perspectiveA matter of perspective

first_img 2SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Andrew Kennelly Andrew Kennelly is president of True ID Pro.  A comprehensive Identity and Credit Monitoring solution that serves credit unions, offering a wide range of programs including White label, and Co- … Web: https://trueidpro.com Details I sell to credit unions, every day, and by doing so, I have been involved in many discussions about the perceived needs of credit unions.  There are a few regional differences, but one constant is that they are all seeking the same thing. Growth. Each and everyone of them is seeking growth, growth in members, growth in deposits, and growth in share of wallet.  Many times, during these conversations, I am brought to a decision that need to be made by the representative of the credit union.  Usually it either goes one of two ways;“We really think our members need your products”Or“None of the other Credit Unions in the area have a product like yours, so I don’t think we need it.”And, lets be honest, the first reaction is much easier.  For me.But the second answer tends to be a better opportunity, for the credit union, not us, well not as soon anyway.If you take a step back and look at the services and products you offer your members, and perspective members, you will always outperform a credit union that looks at the products and services offered by the competition.Credit unions continue to evolve, consolidate, and tend to have an aging membership base.  And by relegating yourself to looki at what everyone else already has, and striving for middle of the road, you get exactly that, middle of the road.   Average. Mediocre. You get the idea.When you focus on what your members need, you will push not only the growth of your credit union, by offering products and services a younger membership base is looking for but may not know exactly where to go to obtain them.  An example of this is something that shocked even me. According to Javelin research, 61% of consumers would get identity theft from their primary institution, yet only 7% of these institutions offer the service. By focusing on your members perspective, you will also push the growth of credit unions in general.  Don’t be afraid to do that. True ID Pro was recently approached by another Identity theft services company, and they offered to purchase us, and their main selling point was they were a much bigger competitor, and they continually stated that we could never compete with them in the future.  When we founded True ID Pro, we clearly knew it was an uphill fight against companies worth billions, and if we tried to be exactly like them, maybe someday we would be as well.  But when I asked what would happen to our existing customers, both direct consumers, and through our partnership channels, they stated they would just convert them over to a similar product they already had.  That was a big issue for us.When we first launched True ID Pro, we looked at the competition, did a feasibility analysis, market research, etc.  and then we decided that our focus would not be on our competitors, but rather our customers and their experiences, and by taking that approach we were able to analyze that data, make our product better, for our customers, not the competition.  Once the entire team bought into that idea, it was clear to see that very soon our competition will start to look at us and see what we are doing.By focusing your efforts on creating the best experience, and offering the best services and products, your members, and potential members will notice as well.  Not only will using this approach help grow assets, members, and share of wallet etc. it will also grow the perceived value of all credit unions, and this is a wonderful thing.  As more people see the value in credit unions, we can begin to offer more value to not only our members, but to the communities we serve. The credit unions that embrace this philosophy, are better poised to become leaders in an industry that has seen shrinking numbers, and aging member base, and relatively level asset growth.  In addition, doing so will show the next generation of members that you are more focused on their needs, present and future, than they ever thought possible. last_img read more

Manchester City target transfer for Arsenal loan star Dani CeballosManchester City target transfer for Arsenal loan star Dani Ceballos

first_imgManchester City target transfer for Arsenal loan star Dani Ceballos Comment Ceballos is on loan from Real Madrid (Picture: Getty)Pep Guardiola is plotting a move for Real Madrid midfielder Dani Ceballos, according to reports.The Spaniard has spent the season on loan at Arsenal and has impressed at the Emirates despite difficult spells under Unai Emery and then Mikel Arteta.Arsenal are keen to keep Ceballos for another season, while Real Madrid are reportedly prepared to cash in on the 23-year-old.Ceballos’ preference is to continue playing regularly and the Express claim Manchester City are poised to enter the race to sign him.ADVERTISEMENTCity’s spending power far outweighs Arsenal’s and Guardiola is planning a big summer of signings in a bid to close the gap between them and Liverpool.AdvertisementAdvertisementThe Reds ran away with the Premier League title this season and Guardiola has been handed a £150million war chest to improve his squad.Arteta is working with a limited budget and Real will demand at least £22.6m for Ceballos. Advertisement Coral BarrySunday 26 Jul 2020 3:39 pmShare this article via facebookShare this article via twitterShare this article via messengerShare this with Share this article via emailShare this article via flipboardCopy link3.4kShares Ceballos is a key player at Arsenal (Picture: Getty)Arsenal will continue to work to convince Real to sanction another loan deal as Arteta is eager to keep hold of Ceballos beyond the end of the season.‘Yeah, we are talking to the club,’ Arteta said of Ceballos’ future.‘Obviously we don’t own the player, he’s not in our hands so the clubs will need to have a communication and see what we can do.More: FootballRio Ferdinand urges Ole Gunnar Solskjaer to drop Manchester United starChelsea defender Fikayo Tomori reveals why he made U-turn over transfer deadline day moveMikel Arteta rates Thomas Partey’s chances of making his Arsenal debut vs Man City‘I’m really happy with him, the way he’s evolving, and I love how much he likes to play football – the passion he puts into every training session and every game, you just have to see his celebrations.‘I think he’s evolving in the right way and he’s becoming a really important player for us.’MORE: Arsenal include Raul Jimenez and Alan Saint-Maximin on shortlist to replace Pierre-Emerick AubameyangMORE: Arsenal chiefs preparing to travel to Lisbon to seal deal for Sporting wonderkid Joelson FernandesFollow Metro Sport across our social channels, on Facebook, Twitter and Instagram. For more stories like this, check our sport page. Advertisementlast_img read more