Cyndie Martini

Recent Posts

Check use is Decreasing but Remains a Staple for Payments in America

Posted by Cyndie Martini on November 9, 2017 at 12:24 PM

In today's world, owing a friend some cash isn't a big deal. There's Venmo, PayPal and peer-to-peer payment capabilities with mobile banking apps to help pay the debt.

 

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Topics: Payments

The Next Big Thing

Posted by Cyndie Martini on November 1, 2017 at 6:09 PM

The payments industry is exploding with new technologies and new entrants with companies you never thought would be in payments: Apple, Google, Amazon, Facebook and so on. It seems like every day there is a new upstart trying to break in, including Venmo, Bitcoin, Revel and Snapchat. This can leave credit union executives feeling vulnerable on many fronts. Not only are you left questioning the relevance of your current payment solutions at your credit union and in the movement, you also must worry about the risk these start-ups and even the big players pose to your membership.

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Topics: Payments

10 percent of Americans are credit invisible: Here's how CUs can help

Posted by Cyndie Martini on October 11, 2017 at 8:04 PM

Credit invisibility is a state in which a consumer doesn't have a credit score, having never applied for a credit card or taken a loan. The lack of a credit history can make obtaining a card or a loan very difficult, as the credit report is one of the first documents a financial institution reviews before making a decision.

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Topics: Credit Unions

Small businesses disillusioned with big banks may find opportunity in credit unions

Posted by Cyndie Martini on October 5, 2017 at 12:45 PM

Having a trustworthy and dependable primary financial institution is important to many small businesses. This relationship can help a small-business owner make smart financial decisions, open accounts, apply for loans and take out company credit cards.

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Topics: Credit Unions

Is it time to upgrade your credit union's ATMs?

Posted by Cyndie Martini on September 28, 2017 at 4:17 PM

The ATM industry reached a milestone this year: As many as a half-million ATMs are now in use throughout the U.S., according to data collected by ATM Industry Association. This comes after several years of unimpressive growth and changes to the financial industry that have complicated upgrades and replacements.

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Topics: ATM

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