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4 steps to ensure your CU profits in the post-apocalyptic community retail economy

first_img 1SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Jon Ungerland Jon Ungerland believes the core philosophy underlying credit unions is the plausible and sustainable model for preserving healthy financial institutions and promoting financially dignified and strong communities in the 21st … Web: www.dalandsolutions.com Details Retailers (physical retail stores) are struggling.   Nevertheless, it seems the trend to ‘reimagine’ the credit union and financial institution ‘branch’ as a “retail experience” is picking up steam.At DaLand CUSO, we think this makes sense; and we think it’s a promising trend. However, not because it’s what Capital One is doing with the “café” concept.Here are a few things credit unions could be doing to capitalize on a coming tidal change in community commerce and consumer behavior:Centralize data in a modern, extensible core (p.s. this is what all those disrupting fintechs and mega players are doing … and it’s why we incessantly talk about this as step one to relevance).Get intentional and intense about controlling consumer data and becoming a trusted data custodian in your community.Use your centralized and controlled data to deliver relevant, modern, digital experiences to consumers and merchants in your community: i.e. become a community commerce hub built and extended from your data.Anticipate a turn in the tide of the retail players and paradigms, and prepare to offer digital experiences to support digital payments, digital kiosks, bridging of brick-and-mortar to digital, and self-service commerce solutions to community businesses and community merchants filling the void left by the dying big-box mafia in the post-retail-apocalypse world. What do we mean by retail apocalypse?  Here’s a quick tour of the present turmoil and resultant fertile soil for financial institutions on the other side of the ongoing toppling of the megalithic retailers.It seems we can’t go a week without another article about the early casualties in the anticipated retail apocalypse.  Iconic institutions and once beloved brick-and-mortar bastions are declaring bankruptcy and bailing on physical locations at (what should be) an alarming rate.Is it Amazon’s fault?Is online shopping the eventuality for all retail experiences – including retail financial services?Will I be forced to live in a future where I’m denied the opportunity to try on my latest kicks (shoes) at DSW before buying them (from Amazon!)?Regardless the cause or abundant conjecture around social/ethical/economic cost of the shift to purely digital consumption and distribution, the facts are clear: Americans love shopping online, and they’re doing a lot of it.   It’d be odd to presume the results from this 4thQuarter high holy season of shopping and consumption will be any different than the pattern of previous years.The resulting dynamic is that we get to witness an epic capitalist battle between the titans of digital distribution (Amazon, Google, eBay, etc.) and behemoth big-box stores as they duke it out over digital vs. direct consumer experiences.  Evidence seems to mount each quarter that big-box stores will either adapt (like WalMart and Target) or die.When the current “retail apocalypse” trend of 2019 continues in to 2020 and beyond, what will be our lot and fortune (as communities and community financial institutions), other than an abundance of baron beige buildings anchoring prime real-estate location in countless strip malls nationwide?Human behavior is predictably patterned.  Our desires are, in the end, quite simple.  More than likely, when 4th2019 quarter retail figures pour in this coming January, market data will demonstrate our economy and society are very close to pushing the pendulum too far in the direction towards over-saturation and excessive satisfaction of our rampant desire for online consumerism and same-day delivery.  It wouldn’t be the least bit surprising to start to hear murmurs in early 2020 about the end of Amazon, Apple, eBay, etc. In fact, for even the most remotely open and imaginative mind, it’s relatively easy to envision a future where consumers become aware of haunting void; a not-so-distant past where we escaped from Netflix and NFL to spend our weekends touching physical objects and envisioning better versions of ourselves in dressing room mirrors!Sure, we may be a couple years away from the pendulum starting to swing back towards brick-and-mortar.  So, that means your financial institution should have plenty of time to prepare for the change in tide, that is if you start developing and deploying a strategy now!How might that strategy look?  Well, it could start with using technology and data to extend digital experiences to your consumers, driven directly from your core data (your most potent understanding of your consumer and community), as a means to build a bridge back into your brick-and-mortar retail locations.Better yet, a strategy for the post-apocalyptic retail landscape could begin with community financial institutions getting serious about controlling data, and centralizing data, as a means of being prepared to more profitably and proficiently engage local consumers and add value to community businesses.On the topic of community businesses, in the post-retail-apocalypse fallout, local merchants and retailers are likely to be the seeds of civilization which community financial institutions should plan to ‘water’ as we work to re-grow Main Streets and mercantilism in the 21stCentury.  How else will we thwart the inevitable fiscal fascism of totally centralized and conglomerated financial services markets?If the present moment contains the seeds of an opposite and emerging complimentary moment, like the ancient wisdom of the Yin and Yang might teach us, then credit union execs and technologist should anticipate an emergence of local boutiques, merchants, service providers, etc., looking for someone to provide them digital experiences for payments, online ordering, scheduling, order-ahead, etc.;and your credit union could plug these players into relevance-generating and brick-and-mortar enhancing digital consumer and commercial banking experiences.Or, we could just sit around and lament Google and Citi teaming up to launch a checking account in 2020, and plan to watch our capital evaporate around us while local entrepreneurs and merchants desperately wander a desolate community business landscape looking for willing partners to help them fill a developing niche in the hearts of local consumers.Fortunately, your friends at DaLand CUSO have strategic solutions to help you achieve all of the above via our simple partnership process, that is if you’re serious about using your modern core to cement your credit union’s position of relevance in the community – regardless the tumult of the times.Happy holidays…last_img read more

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Leeds United star Ezgjan Alioski taunts Arsenal and Manchester United ahead of FA Cup clash

first_img PLAY by Metro Manchester United captain Harry Maguire Mikel Arteta’s Arsenal face Leeds United in the FA Cup (Picture: Getty)Championship leaders Leeds United are more than capable of beating struggling Premier League giants Arsenal and Manchester United, according to winger Ezgjan Alioski.Marcelo Bielsa’s in-form Leeds travel to the Emirates on Monday evening to face Arsenal in the third round of the FA Cup.The Gunners are currently just tenth in the Premier League with six wins from 21 matches but have looked revitalised under new manager Mikel Arteta and beat Manchester United last time out. Arsenal v Leeds: Mikel Arteta press conferenceTo view this video please enable JavaScript, and consider upgrading to a web browser that supports HTML5 video Play VideoLoaded: 0%0:00Progress: 0%PlayMuteCurrent Time 0:00/Duration Time 10:39FullscreenArsenal v Leeds: Mikel Arteta press conferencehttps://metro.co.uk/video/arsenal-v-leeds-mikel-arteta-press-conference-2079838/This is a modal window.Beginning of dialog window. Escape will cancel and close the window.TextColorWhiteBlackRedGreenBlueYellowMagentaCyanTransparencyOpaqueSemi-TransparentBackgroundColorBlackWhiteRedGreenBlueYellowMagentaCyanTransparencyOpaqueSemi-TransparentTransparentWindowColorBlackWhiteRedGreenBlueYellowMagentaCyanTransparencyTransparentSemi-TransparentOpaqueFont Size50%75%100%125%150%175%200%300%400%Text Edge StyleNoneRaisedDepressedUniformDropshadowFont FamilyProportional Sans-SerifMonospace Sans-SerifProportional SerifMonospace SerifCasualScriptSmall CapsReset restore all settings to the default valuesDoneClose Modal DialogEnd of dialog window.‘If we are in the Premier League, Leeds are going to be one of the biggest clubs, like I know they were before.’Leeds are on course to secure their long-awaited return to the Premier League, losing just four times this season to move nine points clear of third-placed Brentford in the Championship.New Arsenal boss Arteta won the FA Cup as captain of the Gunners and hopes his team become ‘addicted’ to challenging for trophies.More: FootballBruno Fernandes responds to Man Utd bust-up rumours with Ole Gunnar SolskjaerNew Manchester United signing Facundo Pellistri responds to Edinson Cavani praiseArsenal flop Denis Suarez delivers verdict on Thomas Partey and Lucas Torreira moves‘When I arrived here [as a player] we were trying to fight for the Premier League and we didn’t quite have the level to do that,’ the former Manchester City coach said.‘The cups became very important. This club had a massive history with that but it was eight years without winning anything so for us to lift that first FA Cup was a massive relief, to get the club fighting again.‘That habit of winning, winning, winning — after you win you don’t want to stop and you become addicts. That is what we have to implement.’MORE: Mikel Arteta sends warning to Arsenal players ahead of FA Cup clash with Leeds UnitedMORE: Manchester United considering January move for Tottenham midfielder Harry Winks Coming Next Looking ahead to Leeds’ trip to north London, the 27-year-old winger said: ‘It’s a nice stadium, it’s a big club, but it’s not so special to go there because it’s Arsenal.‘You have some players who think like this, but it’s not enough to think “Wow, it’s Arsenal”, because we are also a good team and we want to show it.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‘We need to go there with a lot of confidence like we always do and to play like we always do. Not to be scared to go there.‘I see the result versus Manchester United, but this United, even we can beat them. This is a cup, it’s different.‘The difference is that they’re [Arsenal] in the Premier League, we are in the Championship, and it’s nice to go there and show them who is Leeds. Metro Sport ReporterMonday 6 Jan 2020 9:19 amShare this article via facebookShare this article via twitterShare this article via messengerShare this with Share this article via emailShare this article via flipboardCopy link470Shares About Connatix V67539 Skip Ad 1/1 Read More Full Screen Read More Read More Video Settingscenter_img / Ezgjan Alioski insists Leeds are capable of beating Manchester United (Picture: Getty)But despite Arsenal’s impressive victory, Leeds will have no fear at the Emirates on Monday as they too are capable of beating this current United team, says Alioski.AdvertisementAdvertisementADVERTISEMENT 1 min. story Leeds United star Ezgjan Alioski taunts Arsenal and Manchester United ahead of FA Cup clash SPONSORED Comment Advertisement Read More Read More Rio Ferdinand tells Ole Gunnar Solskjaer to drop struggling Skip Visit Advertiser website GO TO PAGE Top articles Advertisementlast_img read more

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Black Stars defender Rashid Sumaila confirms his return to Kotoko

first_imgBlack Stars and South Africa side, Mamelodi Sundowns defender Rashid Sumaila has confirmed his comeback to join Ghana Premier side, Asante Kotoko his former club.The 23-year-old took the decision to rejoin his former club side on the basis of Sundowns failing to register him for the 2014/15 season South Africa top-flight league.Sumaila made 23 appearances for Mamelodi Sundowns last season by helping them to win the league but has excluded from the South Africa ‘Brazilians’ setup due to his purported move to Europe after the world Cup.“Yes it is true l am back for Kotoko on a season loan and l will do my possible best to help them as l did with the club before l moved to South Africa,” he said.The rugged defender joined Kotoko from Ebusua Dwarfs in the 2012/13 season and helped them to win the league in his first season.Rashid was a member of the Black Stars 23 man squad for the 2014 world cup in Brazil  and wants to be active to be recalled into the squad ahead of AFCON 2015last_img read more

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New Sparks coach Derek Fisher wants a title ‘as soon as possible’

first_img AD Quality Auto 360p 720p 1080p Top articles1/5READ MOREUCLA alum Kenny Clark signs four-year contract extension with PackersSparks general manager Penny Toler said during a 50-minute question-and-answer session at the Luxe City Center Hotel that she and Fisher have known each other about 20 years, and that he used to attend Sparks games when he played for the Lakers.“What came to mind with Derek,” Toler said, “is here’s a guy who I’ve known and has been with us forever. … From time to time, Derek and I would have conversations to talk about the (Sparks) and I would tease him, ‘Come and coach.’“It’s all about timing,” she added. “When Brian (Agler) wanted to resign, I thought, ‘Here’s a guy who has some experience. Good or bad, it’s still experience.’”The Sparks, winners of three WNBA championships, are among the three surviving franchises from the league’s original eight in 1997. They boast a veteran roster that includes Parker, the 2008 and 2013 WNBA MVP, as well as 2016 WNBA MVP Nneka Ogwumike. Last season, they went 19-15 and placed third in the West before losing in the conference semifinals.Fisher, who played 18 NBA seasons, replaces Agler, a decorated women’s basketball coach who led the Sparks to the 2016 title, the second of his two WNBA championships. LOS ANGELES — Sparks forward Candace Parker wore her 2016 WNBA championship ring to Friday’s introductory news conference, where she sat beside her new head coach, Derek Fisher – a five-time NBA champion for the Lakers.“I want more,” Parker said, referencing her ring, and Fisher said he understood his star player’s mandate.“I’m thankful and I’m grateful and I’m going to do the best job I can possibly do to win a championship as soon as possible,” Fisher said.The Sparks job is Fisher’s second head coaching position, following a short-lived tenure with the New York Knicks, who were 17-65 in Fisher’s first season and started 23-31 in his second before he was let go by then-Knicks president and former Lakers coach Phil Jackson. Newsroom GuidelinesNews TipsContact UsReport an Errorcenter_img Toler said his resignation “wasn’t a force-out or anything; when he wanted to resign, I accepted the resignation.” She added she didn’t ask why, because Michael Cooper – the former Lakers star and Sparks coach – used to say to “only want people who want to be here.”The Sparks announced Agler’s resignation Nov. 30 and news of Fisher’s hiring broke Wednesday, via a tweet from NBA insider Adrian Wojnarowski.Toler indicated she’d had several discussions with Fisher – who asked “about 2,000 questions” – as well as members of the Sparks’ front office and Parker before she hired the 44-year-old former point guard.“All coaches get hired and fired,” Fisher said with regard to his time in New York. “What Penny said about learning through adversity, evolving and growing – the book is not finished yet. If you open a book and it’s 300 pages long, you can’t assume how it’s going to end on page 57. You’ve got to read the whole book. This is a good opportunity for me to write my coaching book.”Sign up for Home Turf and get exclusive stories every SoCal sports fan must read, sent daily. Subscribe here.He said his stint in New York taught him lessons he’ll employ in L.A., including that he needs to emphasize communication. He also said his playing experience with the Lakers will help lead a team in an increasingly fluid, position-less style of game.“The championship teams I played on here in L.A. in ’09-10, even ’08, we had Lamar Odom at the four and Pau Gasol at center and (Trevor) Ariza and Kobe (Bryant) and myself,” Fisher said. “There was a versatility to the game, five players that all could make good decisions with the basketball, who all could shoot, all could defend. This roster has the framework in a very similar way.”Fisher said he had conversations with representatives of college programs and other professional teams prior to accepting the Sparks’ offer, but he said he doesn’t view his new position as a stepping stone to another NBA coaching job.“I’m here,” said Fisher, adding he and Toler have yet to begin filling out a staff that he hopes will help the team increase its pace of play. “There isn’t a future outside of what we’re here to talk about today. I’m the coach of the L.A. Sparks and that’s what it is. And I’m happy about it.”Parker said she was a proponent of Fisher’s hiring because she’s excited about his championship pedigree.“He’s won championships,” she said. “And until I won a championship with L.A., I didn’t realize how much it matters to have that experience and knowledge.”last_img read more

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