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In search of the ideal member

first_img 32SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Scott Butterfield Scott is the Principal of Your Credit Union Partner, PLLC.Your Credit Union Partner (YCUP) is a trusted advisor to the leaders of more than 100 credit unions located throughout … Web: www.yourcupartner.org Details It’s December, and if you’re like most credit union leaders, your strategic plan is distributed, and the 2020 budget is approved. Before you know it, you and your team will be off and running to pursue the New Year’s goals. Another thing most of us have in common is a strategic membership growth priority. New members are needed to help us take loan and deposit growth to the next level. Specifically, who are you looking for?It’s surprising how many credit union leaders have a difficult time clarifying their ideal member(s). They usually come up short after they have called out younger borrowers, active checking account users, prime credit, middle income, homeowners, etc. The reality is in today’s competitive market, these general audiences are not definitive enough. Many then go to market with a limited universe that is too generic to be highly effective. Savvy marketers have a much deeper understanding of who they are reaching and why. First, they have clearly defined the ideal member i.e. product profitability, relationship profitability, referrals, how they access the credit union, etc. Second, they use data, analytics and demographic segmenting to refine their search further to reveal the ideal member. They leverage information to understand what drives the potential members decision making. They understand that every potential member does not live the same type of life. They segment markets into groups to understand their shared values and life experiences. These segments include geographic, demographic, financial behavior, and motivation that includes psychographics and social values. Thus, armed with this information, they align the consumer’s needs with the credit union’s products, purpose and strategic goals. This clarity allows them to invest their marketing dollars for the best possible result. Most credit unions would identify “younger borrowers” as a desired member, so we’ve laid out two examples of just how different this member can look.Ambitious Singles – is a demographic segment comprised of younger cutting-edge singles living in mid-scale, metro areas that balance work and leisure lifestyles.Annual Median income $75k-$100KHighly educatedFirst time home buyersProfessionals, upwardly mobileChannel preferences for engaging with brands (and their offers) is while watching or streaming TV, listening to their favorite radio apps or while browsing the web on their phones. They are also quite email receptive (but subject lines must be compelling)Families Matter Most – This segment is comprised of young middle-class families in scenic suburbs, leading family focused lives.Annual Median income $75K – $99KHave children 4-6 yrs. oldEducatedHomeownersChild-related purchasesCredit revolver and auto borrowers (larger vehicles)Go online for banking, telecommuting and shoppingBoth segments represent younger borrowers with similar incomes, but they have different loan needs, lifestyle priorities and preferences for engaging with a marketing offer. These are just two examples of the segmentation data that is available from Experian.  The segmentation solution provides a framework to help credit unions identify the optimal customer investment strategy for each member segment. This framework helps the credit union optimize their marketing between differentiating segments. For some segments the investment may be directed toward finding the ideal member. Others may be made to find depositors. While many credit unions don’t have infinite marketing budgets or analytical resources, segmentation help marketers more efficiently and effectively pursue the best member or develop member personas to better resonate with existing members. The feedback we have heard from credit union leaders is that the solution is the best segmentation tool they have seen. Learn more about it here.What your team is up againstToday, credit unions face national competitors that are using state-of-the-art data analytics, first-rate technology and in-depth market segmentation to promote very attractive offers to win new members, deposits, checking accounts and loans. Their offers have a look, feel, message and offer that are relevant to the person receiving the offer. Here are a few recent “offer” examples that we have heard of that should give you pause:FinTech companies, like the Lending Club offering auto loan refinances (the offer provides an estimate of refinance interest savings). The ad we saw had an estimated monthly payment of $80. PayPal Cashback Mastercard® – with a $300 early use cash bonus and 3% cash back on purchases. High limit personal loans that take minutes to apply and to be funded. Banks acting alone or in partnership with a FinTech to offer online checking accounts with new account opening bonuses ranging from $300-$600. and of course, Quicken® Mortgage promoting low rates and fast and seamless origination. These are just a few recent examples from thousands of offers that are reaching your ideal member. Besides offering great rates, cash back, low fees and seamless service – these offers are guided by robust data analytics and consumer segmentation to reach and engage a well-defined, ideal consumer. Why it mattersThe 2020 race is on. Hopefully your team has clarity of the member(s) they want to reach, access to robust data analytics, in depth consumer insights, reliable credit resources and marketing tools they will need to compete in the toughest financial market any of us have likely ever seen. If you’re afraid that you can’t afford the right tools when it comes to marketing, consider what the dealer fee is for purchasing an indirect auto loan. What if the 2% or more fee was reallocated to finding organic loan growth with consumers you’re more likely to build a relationship with? Or consider the cost of consistently marketing to the wrong consumer segments with the wrong message, at the wrong time and in the wrong channels. What if you could increase your market engagement rate from 5% to 10%?Perhaps the best strategic question is can you afford NOT to have the best tools that support future membership growth? If you don’t win your ideal member, somebody else will.last_img read more

Dutch union demands state pension age freeze at 66

first_imgTuur Elzinga, FNVEarlier, Gijs van Dijk, MP for the labour party PvdA and a former FNV trustee, said a gesture from the government on the retirement age was needed for a breakthrough in pensions reform.Both Elzinga and Van Dijk underlined the importance of allowing people in physically demanding jobs to retire earlier.When asked by IPE’s Dutch sister publication Pensioen Pro, Elzinga said that an agreement between unions and employers on the merits had not been reached yet. The FNV said that freezing the retirement age was one of its three key demands for an agreement with government and employers.Inflation compensation for all generations and pensions accrual for all workers, including flexible workers and the self-employed, were also crucial elements to be agreed upon.The FNV has been making similar demands for nearly a year as discussions over pensions reform have stalled.Next Saturday, the FNV will underline its demands at a demonstration in Amsterdam. FNV, one of the Netherlands’ largest trade unions, has demanded that the government freeze the state pension age at 66 in exchange for its support for a proposed new national pension contract.In an interview in daily newspaper Trouw last Friday, Tuur Elzinga, the FNV’s lead negotiator on the pensions system, emphasised that the government had to take such a step in order to secure the support of the union’s membership.His comments came after Wouter Koolmees, minister for social affairs, said he would stick with the government’s decision to gradually raise the state pension age to 67 by 2021. The minister said the increase was necessary to keep pace with rising longevity.Elzinga said the union needed a signal from the government that it was willing to compromise. “If I were to conclude an accord with the employers with no changes to raising the retirement age, I’ll hit a wall with my supporters,” the paper quoted him as saying.last_img read more

Osimhen: Napoli’s technical crew, management support ‘very important’

first_img Promoted Content7 Ways To Understand Your Girlfriend BetterWho Is The Most Powerful Woman On Earth?8 Superfoods For Growing Hair Back And Stimulating Its GrowthWho Earns More Than Ronaldo?13 kids at weddings who just don’t give a hoot11 Most Immersive Game To Play On Your Table TopWho Earns More Than Ronaldo?The Highest Paid Football Players In The World7 Reasons Why You Might Want To Become A VegetarianPortuguese Street Artist Creates Hyper-Realistic 3D Graffiti6 Ridiculous Health Myths That Are Actually TrueCouples Who Celebrated Their Union In A Unique, Unforgettable Way Victor Osimhen is delighted with how he’s been welcomed to Napoli. The former Lille striker appreciates the earlier support of coach Gennaro Gattuso and President Aurelio De Laurentiis. “My relationship with Gattuso and De Laurentiis is excellent,” he said at a press conference. “They were like fathers, I received great demonstrations of affection from all the Napoli fans. “I was convinced I would accept a move to Napoli when I talked to the coach and the President.Advertisement Loading… center_img read also:I made the right choice signing for Napoli-Osimhen “They are giving me a lot of advice. It’s incredible to receive this affection, for a player, motivation is fundamental.” He added: “I like to play as a centre-forward, but I can play in any position. I’m happy to be at Napoli and I have fantastic teammates.” FacebookTwitterWhatsAppEmail分享 last_img read more

The NFL draft is a game of fortune

first_imgJulia Poe | Daily TrojanThis week’s edition of Peter King’s Monday Morning Quarterback was headlined by a bold prediction: “This is going to be the most talked-about [NFL] draft in history.” That quote came from Gil Brandt, the Dallas Cowboys’ former vice president and the NFL’s current go-to draft guru. If anyone can make an accurate gambit on the future of the league, Brandt, who spent three decades with the Cowboys, would be your man. Yet somehow, the prediction of a life-changing, league-altering draft seems almost too good to be true.There are only two weeks left until this year’s NFL Draft is underway in Texas. But is Dallas really capable of changing all that much? After all, those three days of lottery picks could be described as the most overhyped event of every year of pro football. The same storyline seems to play out on an annual basis. A few prayers for Cleveland, a few misty-eyed moments over touching stories of players who overcame adversity, and then the smoke settles and the real work begins. I’m not saying that the draft isn’t important. The players selected over those three days set the tone and the foundation of the future of every team in the league. But the draft is a bit of a shot in the dark. For the past year, scouts at every team have been doing their best to predict the future value of a player, and that isn’t an exact science.Every football fan knows this story. Todd Marinovich was picked before Brett Favre. Tom Brady went 199th overall. All too often, the greatest stars are overlooked or ignored in the draft, and those who go in the first round end up peaking in college.Even former Trojans have seen this play out. Former USC receiver JuJu Smith-Schuster, for instance, was a second-round pick last year, then burst onto the scene with the Steelers to become a household name in Pittsburgh and around the NFL. Smith-Schuster ended up posting better stats and making a bigger impact on his team than other first-round picks, such as Corey Davis and Mike Williams, were able to at their respective teams.The draft process is ultimately unpredictable, a series of well-researched guesses that sometimes pan out and sometimes crash and burn. So why might this draft be the one that changes everything? Perhaps because it’s stacked with an unbelievably expansive lineup of dependable future stars.We’ll get to the quarterbacks, but first, when talking about this draft, you have to talk about Saquon Barkley. The former Nittany Lion has every tool in his belt to become an All-Pro player in a handful of years. He’s powerful, he’s explosive and when he has the ball, it’s impossible to tear your eyes away from him. If you watched Barkley play a single snap last season, you know that any team can depend on him to shoulder the run game of an offense, even as a rookie. In any given year, Barkley would probably go in the top four. But not this year. And that’s because of the quarterback class, a group of five young players who each have the potential to become something special.A lot of scouts, analysts and fans have argued that this class isn’t all that special because of the obvious question marks surrounding each quarterback. Josh Allen has the arm, but not the accuracy. Sam Darnold has the go-get-it attitude and the natural vision, but he tosses too many interceptions. Josh Rosen talks too much; Lamar Jackson runs too often; Baker Mayfield is, well, Baker Mayfield.But in my opinion, the focus of these criticisms proves the difference between this quarterback class and those of the past. Many of the critiques brought up for each of these quarterbacks define how the young player might not become a star. But I think it’s hard to argue that each of these five athletes will become consistent, dependable starters. And at least a few of them will grow to become stars.This is how this year’s draft could change everything. As the day nears, many experts are predicting that the first five picks could easily be quarterbacks, with Rosen and Darnold expected to take the first and second slots. This means that the frontrunners of five teams could be completely different next year. Even more importantly, it means that five teams could have veritable superstars in the making running the show next season.If anyone needs proof of how quickly a young quarterback can make a difference, they only have to look east to Philadelphia, which is still basking in the glow of the Super Bowl victory that Carson Wentz set up in his sophomore season. The Eagles traded up to clinch Wentz in the 2016 Draft, and after an impressive showing as a rookie, he went on to lay the foundation for the dangerous Philly offense that overthrew Brady this season.The coming-of-age season for Wentz was only the beginning of a shift that is soon to develop throughout the NFL, with Patrick Mahomes taking over the reins in Kansas City and Deshaun Watson returning to full health in Houston. The addition of five new quarterbacks with the potential to make similarly big splashes in their rookie seasons means that this is going to be an explosive year of football to watch.This year, the NFL has a major shakeup in the works. Fans across the league better strap in and prepare for the ride.Julia Poe is a junior majoring in print and digital journalism. Her column, “Poe’s Perspective,” runs Tuesdays.last_img read more

Mother and daughter score historic play-off victory in PING Plate

first_img5 Sep 2016 Mother and daughter score historic play-off victory in PING Plate Nottinghamshire mother and daughter Helen and Rachel Boulton scored an historic win today when the Plate final of the PING women’s fourball betterball championship was dramatically decided for the first time by a play-off.Three pairs had tied with 45 points and had to return to the 18th hole of the Thonock Park course at PING’s Gainsborough Golf Club for a sudden-death play-off. But Helen – a 20-handicapper – settled matters in style when she chipped in for a net birdie, appropriately using a Ping wedge (image © Leaderboard Photography).Jing Reade from Bridgnorth Golf Club in Shropshire had a putt to keep the play-off alive, but it edged away from the hole at the end.“It’s unbelievable,” said Helen, from Springwater Golf Club. “It’s crazy!” added Rachel, who was the 2015 Nottinghamshire county champion and helped her team to win last year’s English County Finals.Second and third places were decided on countback, with Jing and her partner, Heather Stiles, finishing as runners-up, ahead of Carole Morris and Jill Sparkes from Romsey Golf Club in Hampshire.Away from the drama surrounding the champions, the fourth place went to Ali Buncher and Hannah Brown-Pearce (Cotswold Edge) who had 42 points. Fifth were Mary Gibson and Melanie Williams (South Winchester) with 41 points, pipping sixth-placed Christine Fawcett and Melanie Temple (Seascale) on countback.This is the 11th year of the PING championship, which is run by England Golf, and it additionally made history by attracting entries from the largest ever number of clubs – 890 – and involving over 16,500 women in the qualifying stages. The top 50 pairs nationally qualified for tomorrow’s Grand Final while the next 50 played in today’s Plate final.Dave Fanning, PING’s European marketing director, told competitors: “This is a very special event and we are delighted to be able to host it at the home of PING Europe.”The Boultons have an excellent record in this championship, reaching the Plate final once before and coming fifth in last year’s Grand Final, before pulling off today’s win.But as the play-off was announced Rachel was counting the cost of a three-putt during regulation play. “I had a putt for an eagle on the sixth and I left it about 1ft away. I went to tap it in and missed! I thought ‘oh my gosh’ but I said to mum let’s just keep going.”They stuck to the task and when Helen had her big chance she had just one aim. “I just thought ‘get it close.’ That’s what Rachel has been saying to me all day long.” Her chip from the fringe started on target and stayed there, popping into the hole to applause.Jing Reade had no regrets about second place. “This has been so exciting, too exciting for me!” she said. Jing got her first handicap last year and is playing her first competitive season, she’s now off 34 but today’s play-off was a whole new experience for her, surrounded by buggies, a referee, other officials and interested spectators.This was only the second time she and her partner, Heather, had played together. Their plan was simple: “We just wanted to come and have a really nice game of golf,” said Heather.Neither was there any disappointment from Carole Morris and Jill Sparks, although they held the lead for hours before being edged out. “We just think we’ve done really well,” said Jill.They were originally on the reserve list and made the most of their opportunity. “It’s been absolutely fantastic from the time we arrived, everyone has been so friendly and it’s so well organised,” said Carole.Click here for full scoreslast_img read more