The CU2.0 Podcast

BNPL.  When we talked with Bryce Deeney, CEO of Equipifi, about his BNPL focused startup in December 2021 BNPL probably sounded to most listeners like a new alphabet soup and who really cared about it?Flashforward and quite possibly you personally have used BNPL. If you haven’t a relative or friend definitely has.  Companies like Aftrpay, Klarna and Affirm are major fintech players. And there are mainstream entrants into BNPL such as AMerican Express and Apple.Here’s the question: where’s a place for credit unions in BNPL?Know that the big BNPL players are busily making deals with retailers, both online and bricks and mortar. They are disintermediating traditional financial institutions and that means you.Enter Bryce Deener and Equipifi which have been busily creating tools for credit unions to offer BNPL as a payments option to their members. In this show, Deeney tells why a credit union needs BNPL in its arsenal (you don’t want to lose members do you?), why BNPL is so popular with so many of us (and it’s not just Gen Z by the way), and how BNPL has morphed in just a couple years.Case in point: the majority of BNPL deals now feature interest payments or other fees. Didn’t know that? Understandably: two years ago the BNPL pitch was pay over 90 days, no fees, no interest. No more. Money no longer is free and the BNPL providers have morphed.,And take heart because Deeney and his team are working hard to give credit unions a place at this table.Listen up.Like what you are hearing? Find out how you can help sponsor this podcast here. Very affordable sponsorship packages are available. Email rjmcgarvey@gmail.com  And like this podcast on whatever service you use to stream it. That matters.  Find out more about CU2.0 and the digital transformation of credit unions here. It's a journey every credit union needs to take. Pronto

Fednow just may change your credit union’s entire approach to how money moves in and out.  That is fact and the fact is all the realer because Fednow actually launched in July. Sure, real time money movement has been talked about for at least a decade bur that was just talk, now it is real.Could you ignore it for the time being? That would be to your detriment, warns this podcast’s guest expert on Fednow, Richard Crone, a longtime payments guru.Crone also tells a fast way to gain significant experience with instant money movement. You may not like this particular piece of advice - over 4000 credit unions currently are not following it. But give a listen to Crone’s argument and you just may be persuaded.Crone also says that credit unions have a huge built-in advantage over community banks in regard to real time payments. This is a fight waiting to be won. If only you get involved.Listen up.Like what you are hearing? Find out how you can help sponsor this podcast here. Very affordable sponsorship packages are available. Email rjmcgarvey@gmail.com  And like this podcast on whatever service you use to stream it. That matters.  Find out more about CU2.0 and the digital transformation of credit unions here. It's a journey every credit union needs to take. Pronto

What’s in your fintech blueprint?Wait, you say, what’s a fintech blueprint? Good question and if you didn’t ask it probably you should have because few credit unions have current blueprints or even old, dusty ones.On that note, how often should you update a fintech blueprint? On the show today is  Prakash Natarajan, managing director for payments strategy for SRM and he says every three years. Ask me and I’d say every two years.Either way the point is that the fintech landscape is fast morphing - who knew about generative AI 9 months ago - and an institution needs a blueprint that sets out fintech priorities and why they matter.Otherwise you are at the mercy of the next fintech sales person in your office who waves a shiny object in your face and, yep, it’s cool…but do your members and institution really have to have it? That is why you need a blueprint.Background reading for this show is the SRM report Why Every Financial Institution Needs a Fintech Blueprint. It’s free, click hereListen up.Like what you are hearing? Find out how you can help sponsor this podcast here. Very affordable sponsorship packages are available. Email rjmcgarvey@gmail.com  And like this podcast on whatever service you use to stream it. That matters.  Find out more about CU2.0 and the digital transformation of credit unions here. It's a journey every credit union needs to take. Pronto

How many zombie members are on your credit union’s books? You know who we mean - they sometimes also are called ghost members. They have a few bucks parked in the institution from back when they became members but, nowadays, they are mainly invisible. And worse: the credit union often charges no monthly fee but it may pay a monthly fee for that member’s access to online banking even though the member doesn’t use it.You want to know Daniel Haisley.  He runs innovation at Apiture, a North Carolina based digital banking provider that serves some 300 credit unions and community banks.  It serves some mega institutions but Haisley  says Apiture’s sweet spot is serving mid sized and smaller institutions.And Apiture has a tool for helping to activate those zombie members. In the show Haisley tells how it works and what kinds of results it delivers.He also answers the big question: when a new credit union customer comes to you why are they leaving their existing digital provider.  And before we close he offers Apiture’s take on AI and credit unions today.  In three words it’s optimistic but cautious.Listen up.Like what you are hearing? Find out how you can help sponsor this podcast here. Very affordable sponsorship packages are available. Email rjmcgarvey@gmail.com  And like this podcast on whatever service you use to stream it. That matters.  Find out more about CU2.0 and the digital transformation of credit unions here. It's a journey every credit union needs to take. Pronto

Consider this show all you want to know about credit union boards and gender and ethnic composition.Know this: you probably will be surprised, and disappointed, about one statistic you will hear.Also know: the source for this show is a 69 page report, Credit Union Boards of Directors: Board Size, Gender, Race and Institutional Performance, 2012-2021. Download the report, it’s free via consulting firm, CuCollaborate. The report is statistics rich and in this show we talk about the research methodology so you will hear how the report was created.We also talk about possible future research projects involving boards.And you know what, credit union boards are remarkably opaque.  Most members know very little about their board - indeed they may not even know there is a board and it is, theoretically, elected by the membership.Speaking for me - not CuCollaborate - I think there is a great opportunity for dramatically enhanced board transparency.Most credit unions complain about a lack of candidates for board seats - but just maybe there’d be more member interest in that service if more members had an inkling of what the board does and how this matters to member satisfaction.  A point to ponder.Listen up.Like what you are hearing? Find out how you can help sponsor this podcast here. Very affordable sponsorship packages are available. Email rjmcgarvey@gmail.com  And like this podcast on whatever service you use to stream it. That matters.  Find out more about CU2.0 and the digital transformation of credit unions here. It's a journey every credit union needs to take. Pronto

What’s in a name?Shakespeare asked that question but right now lots of credit union leaders are doing likewise.  For good reason. The institution’s name may no longer suit the present realities as SEGs fade away, geographic bases shift and sometimes, just maybe, there’s a sense that a more timely name might well have greater appeal for millennials and Gen Z who are the future.Enter Phil Davis and North Carolina based Tungsten, a branding company that has helped hundreds of businesses change their names including a number of credit unions.  Among Tungsten's clients are Additional Financial, a rebrand of the former Central Florida Educators Federal Credit Union, as well as Radiant Credit Union, a rebrand of the former SunState Federal Credit Union. Also on the list is Skyla, formed after Charlotte Metro Credit Union and Premier FCU joined and opted for a new name.Davis says he expects more credit unions will knock on his door as they realize something has to change if they want to stay relevant..Of course it’s not just the name - often the credit union has to also change how it does business and impose a more digital attitude - but now is a time when we are indeed likely to see a growing number of credit unions opting for a makeover.In the show Davis tells what’s involved, how long it usually takes, how much it costs and what benefits typically result.Listen up.Like what you are hearing? Find out how you can help sponsor this podcast here. Very affordable sponsorship packages are available. Email rjmcgarvey@gmail.com  And like this podcast on whatever service you use to stream it. That matters.  Find out more about CU2.0 and the digital transformation of credit unions here. It's a journey every credit union needs to take. Pronto

Bill Partin, the recently retired CEO at nearly $2 billion Sharonview Federal Credit Union in the Carolinas,  went there after a long career at multiple Southern California credit unions where he ended in the c-suite at Partners, the Burbank based  institution created to serve Walt Disney Company employees.At Partners he worked for then CEO John Janclaes and one day Partin asked his boss when he planned to retire.  He said in effect not soon.Partin then told him he wanted to be a CEO and so he would be looking elsewhere.His boss did the right thing: he supported him completely.Soon Partin landed the job at Sharonview and, in the show, he tells about his journey there.But there’s a lot more in this show. For instance: Partin started in credit unions as a part time teller when he was putting himself through a community college.  He kept working at credit unions as he proceeded to earn a bachelor’s degree - and he just stayed in the industry because he knew it was where he wanted to be.Nowadays Partin has authored a book, The Leadership Bet, and he’s also on the speakers circuit talking up that topic.What is the leadership bet? It’s the three pronged formula he implemented at Sharonview -*Be disciplined*Execute your plan*Take risksWait: take risks! Isn’t risk a four letter word in a CU exec’s vocabulary?  You bet - well, maybe you don’t bet.  But, yes, risk is a tough concept for CU execs to embrace.  Partin explains why it’s essential, especially today.Keep listening until the end because just maybe the meatiest points are served up last as Partin talks about the how to of creating a good credit union board - and why many boards aren’t what they need to be.  It’s hot stuff.Listen up.Like what you are hearing? Find out how you can help sponsor this podcast here. Very affordable sponsorship packages are available. Email rjmcgarvey@gmail.com  And like this podcast on whatever service you use to stream it. That matters.  Find out more about CU2.0 and the digital transformation of credit unions here. It's a journey every credit union needs to take. Pronto

CDA - three letters but, ask Matthew Butler, and he will tell you this is a potential huge win for credit unions and their communities.,Butler is founder of Elite Capital where a chief product offering is the CDA - that’s a charitable donation account and, no, I hadn’t heard of it either.Just a handful of credit unions currently use a charitable donation account and Butler is here to tell you that’s a costly mistake.Here’s why: a CDA allows a credit union to make investments in otherwise impermissible vehicles where the kicker is that 51% of returns have to be distributed as charitable donations (that presently means a 501 C 3).  But the credit union can retain the remaining 49% for its own uses.What’s an impermissible investment?  In the show Butler points particularly to investment grade corporate bonds.  There are other options too.  Why don’t more credit unions use CDAs? We talk at some length in the show about that very point.A lot simply haven’t heard of CDAs.Also on the show is Fernando Arrue, portfolio manager at Elite Capital.Listen up.Like what you are hearing? Find out how you can help sponsor this podcast here. Very affordable sponsorship packages are available. Email rjmcgarvey@gmail.com  And like this podcast on whatever service you use to stream it. That matters.  Find out more about CU2.0 and the digital transformation of credit unions here. It's a journey every credit union needs to take. Pronto

$200 billion. That is how much money is in the Greenhouse Gas Reduction Fund and one credit union voice that has been loud in seeking a share is Inclusiv, the trade group for community development credit unions that now has 470 members.Just why is Inclusiv involved in this?Exactly that question is why we invited Inclusiv CEO Cathie Mahon on the show.  She’s a past guest - in 2019 she was in episode 15.In this show she offers an articulate explanation of why environmental issues are in fact central to the concerns of community development credit unions.In June Mahon testified before the US Senate Climate Change Task Force where she said, “As credit unions invest in climate solutions, they find strong synergies between increasingaccess to clean energy and improved financial stability. As community owned and controlledfinancial institutions, community development credit unions see both a responsibility andopportunity to make their communities greener and more resilient. These institutions servethose located on the frontlines of climate change, specifically communities with the poorest airquality, highest energy burden and most vulnerability to climate events such as hurricanes,floods, drought, wildfires, and tornadoes.”She has that very right. Often it is the poorest communities that deal with the harshest impacts of climate change.What can credit unions do about this? Lots and lots, as you will hear in the show.  Everything from helping with loans to replace old appliances with energy efficient ones to encouraging job training for minority contractors who want to pursue opportunities in, for instance, installing solar arrays on homes and apartment buildings.Mahon sees many, many ways for credit unions to have positive impacts on their communities.Also in the show she offers comment on attempts in the US House to slash the federal funding for CDFIs - a genuinely dumb idea.And she also talks about Inclusiv’s new ties to QCash, the small dollar loan company that has been birthed by the credit union movement to give members a far better alternative to predatory loans.Listen up.Like what you are hearing? Find out how you can help sponsor this podcast here. Very affordable sponsorship packages are available. Email rjmcgarvey@gmail.com  And like this podcast on whatever service you use to stream it. That matters.  Find out more about CU2.0 and the digital transformation of credit unions here. It's a journey every credit union needs to take. Pronto

True or false: a credit union with assets well under $200 million offers crypto currencies to members.Meet Becky Reed, the now former CEO of Lone Star Credit Union - assets now around $165 million - and, yep, Lone Star offers crypto to its members.  In the show Reed tells why Lone Star made this decision - mainly because it saw a lot of member assets exiting the credit union to buy crypto elsewhere  - and also how easy to was to do this for members.Take away: no credit union is too small to explore offering crypto.You probably know of Reed, she’s the chair of NACUSO,  the trade group for CUSOs, and in this show you will hear her passionate defense of CUSOs as part of what makes credit unions so special.In the show Reed also explains why she left Lone Star and what she is doing now, namely helming BRaaS - Becky Reed as a Service - where she helps credit unions explore crypto, blockchain and a range of tech innovations.This is an upbeat episode. If you worry about small credit unions you’ll find some real cheer here.Listen up.Like what you are hearing? Find out how you can help sponsor this podcast here. Very affordable sponsorship packages are available. Email rjmcgarvey@gmail.com  And like this podcast on whatever service you use to stream it. That matters.  Find out more about CU2.0 and the digital transformation of credit unions here. It's a journey every credit union needs to take. Pronto

AI - you know it’s the big new thing that has won all the buzz in today’s tech world.Does it deserve it?Hear a loud “yes” in this podcast with Saroop Bharwani, CEO of Senso.ai and a co-creator of CU Copilot, a consortium of AI early adopter credit unions that are joining together to learn how to put AI to transformative uses in their institutions.A half dozen credit unions already engage in CU Copilot and Bahrwani says more are coming and that is a good thing because credit unions are in a position to grab a dramatic lead in AI adoption and that will help the industry stay highly competitive through the years of change that are on the horizon.Also on the show is Joey Rudisill, CIO at $500 million Central Willamette Credit Union which is already a consortium member. On the show Joey gives an incisive perspective on what AI adoption is like on the ground floor of a credit union.Here is the link to CuCopilot: http://cucopilot.com/You want to sign up for the consortium? Here’s a link.You want to see the videos on AI that are mentioned in the show? Here’s another link.Know this: you will be hearing more and more about AI and the plain truth is that it is triggering a revolution that will utterly change how a lot of work gets done.  You can’t close your eyes to this. At least you can’t if you want to stay relevant.Listen up.Like what you are hearing? Find out how you can help sponsor this podcast here. Very affordable sponsorship packages are available. Email rjmcgarvey@gmail.com  And like this podcast on whatever service you use to stream it. That matters.  Find out more about CU2.0 and the digital transformation of credit unions here. It's a journey every credit union needs to take. Pronto 

AI - it’s the word of the moment.And many credit unions are rushing to familiarize themselves, even to implement pilots internally.Stop right there.Before taking actions, listen to this podcast with Kevin Farley, vice president of experience and engagement at United Heritage Credit Union in Austin TXFarley popped up on my radar screen with a down to earth, practical article on generative AI at the Financial Brand.  His pitch is that credit unions need to approach AI with a crawl, walk, run patience - and probably no credit unions are yet in a position to do brisk running in AI, if only because the necessary tools just aren’t ready yet.But there is much useful a credit union can do to get comfortable crawling, then walking with AI.  Farley offers suggestions about areas where tangible benefits of AI are plentiful even in the early days of use.For now most credit unions will satisfy their curiosity playing with the free versions of ChatGPT and Google’s Bard - and do note if a month ago you thought Bard was far inferior Google has made vast improvements in that tool.  Do try both.But also know a credit union does not want to load any sensitive or personal data into either free tool.  Don’t even think about it.  Farley tells why in the show.We are waiting for the new, improved paid AI tools that will take all this to the next level.They’re coming.  Get ready.Listen up.Like what you are hearing? Find out how you can help sponsor this podcast here. Very affordable sponsorship packages are available. Email rjmcgarvey@gmail.com  And like this podcast on whatever service you use to stream it. That matters.  Find out more about CU2.0 and the digital transformation of credit unions here. It's a journey every credit union needs to take. Pronto

There are three mind blowing facts in this podcast.Number one: credit unions currently have a greater appetite for offering crypto currencies to members than do banks to their customers.  The source of that  is Kian Sarreshteh, CEO of CryptoFi, a crypto as a service company formed to help traditional FIs to offer digital assets.  His proof: CryptoFi has pivoted in the last year to focus on offering its products to credit unions.Number two: NCUA is much more open to crypto than is FDIC, said Kian.  So just when you think NCUA is a Stone Age relic chew on that.Number three: the first credit union install for CryptoFi isn’t at a credit union in San Jose or Cambridge Mass or Brooklyn.  It’s WeStreet, a $950 million institution headquartered in Tulsa OK.On the show are Kian from CryptoFi and Eric Hilaire, chief digital officer at WeStreet.Face reality: credit unions have to take steps to stop the outflow of member dollars into more contemporary asset classes, crypto definitely on the list.  Listen upLike what you are hearing? Find out how you can help sponsor this podcast here. Very affordable sponsorship packages are available. Email rjmcgarvey@gmail.com  And like this podcast on whatever service you use to stream it. That matters.  Find out more about CU2.0 and the digital transformation of credit unions here. It's a journey every credit union needs to take. Pronto

Real time. Dynamic. Personalized.Accept this: what worked in combatting fraudsters 10 years ago is about as useful today as a 10 year old PC or cellphone.Accept this too: it’s war on with fraudsters and smart financial institutions understand that very likely the criminals know a lot about the FI’s weaponry.How to combat these criminals?On the show today is Ravi Sandepudi, CEO of Effectiv.ai, a new-style anti fraud platform that has been built by a cyber team with deep histories at Google and PayPal - and know that PayPal is well known for how professional its anti fraud group is and Google is where much today’s AI intellectual platform originated.Go back a decade or two and much fraud prevention was built around hard wired rules which worked reasonably well but also true is that criminals learned the rules and then dreamed up workarounds.What’s needed today is an intelligent, evolving fraud toolkit and that is what Effectiv seeks to provide its customers.Know that credit unions are a particular target for Effectiv and in the show Sandepudi tells his own touching story about being an immigrant in the US who had come to go to school and of course he lacked a Social Security number because he had just arrived and banks, he said, showed him the exit door.Then he went to a credit union affiliated with his school and a beautiful relationship blossomed.  They accepted his student ID and US issued visa as proof of identity and a credit union fan was made.Nowadays too he also finds that credit unions quickly get why the Effectiv fraud fighting tools are better than the old tools they had been using and, said Sandepudi, adoptions are coming fast.Listen up.Like what you are hearing? Find out how you can help sponsor this podcast here. Very affordable sponsorship packages are available. Email rjmcgarvey@gmail.com  And like this podcast on whatever service you use to stream it. That matters.  Find out more about CU2.0 and the digital transformation of credit unions here. It's a journey every credit union needs to take. Pronto

Is a Greenlight card in your wallet?If you have children – particularly school age kids – you want to know about Greenlight because this is a functioning debit card but it is designed for use by kids who are gaining financial skills as their parents guide them in the how to of using plastic.Understand, too, that increasing numbers of retail venues are cashless – plastic is needed to transact.Of course there also are online purchases that require plastic.Greenlight solves those issues and it offers both a direct to consumer service (starting at $4.95 per month) and now it is fast signing up financial institutions who are offering Greenlight to their customers and members.Already on board is Chase.But know that Greenlight has already signed up credit unions and wants more because the company gets that the credit union mission syncs with Greenlight’s.On the show today is Pete Steger, vice president of business development at Greenlight.Listen up.  Like what you are hearing? Find out how you can help sponsor this podcast here. Very affordable sponsorship packages are available. Email rjmcgarvey@gmail.com  And like this podcast on whatever service you use to stream it. That matters.  Find out more about CU2.0 and the digital transformation of credit unions here. It's a journey every credit union needs to take. Pronto

You want to make more commercial loans. Join the club. So do more other credit unions. But that is why this show is a must listen.  In it Gary Lewis, managing director of lending and deposit solutions at Jack Henry, and Dennis Janikowski, senior vice president of lending at P1FCU, tell the secret sauce that is helping P1FCU, a northern Idaho  institution, enjoy significant growth in its commercial lending.   Listen up. Like what you are hearing? Find out how you can help sponsor this podcast here. Very affordable sponsorship packages are available. Email rjmcgarvey@gmail.com  And like this podcast on whatever service you use to stream it. That matters.  Find out more about CU2.0 and the digital transformation of credit unions here. It's a journey every credit union needs to take. Pronto 

Did you know that there are many, many loan programs available from the US Department of Agriculture – and many feature government guarantees? Probably you didn’t know – these programs are something of a secret. But over 100 credit unions – including Navy Federal – know about the programs and work with Greater Commercial Lending, a company that works with borrowers, USDA and also credit unions to get loans funded.What kinds of loans? Don’t be misled by the word agriculture.  USDA makes all kinds of loans, funding everything from farm equipment to renewable energy.  And some loans even can fund projects in urban areas. On the show is GCL executive vice president Jeremy Gilpin who explains how the program works and how credit unions can get involved. He also tells that GCL is in the process from beginning to end.  It helps fill out the loan app, works with USDA, even helps syndicate many loans. Now do you want to find out more from GCL?Listen up.Like what you are hearing? Find out how you can help sponsor this podcast here. Very affordable sponsorship packages are available. Email rjmcgarvey@gmail.comAnd like this podcast on whatever service you use to stream it. That matters.Find out more about CU2.0 and the digital transformation of credit unions here. It's a journey every credit union needs to take. Pronto

Medicare – you’d almost think it’s a four letter word, not the three syllable word it is.  That’s because it is an immensely complicated issue – Congress did write the federal laws that shape it! – and as Americans approach 65 suddenly they have to make an immensely complicated decision about their health care. How easy is that? Not. But consider this an enormous opportunity for credit unions, with their memberships that skew older.  Credit unions can step in as trusted advisors and help members make better decisions while also bringing in a few dollars in fees into the credit union. That’s win win. But doing this requires skill.  The complexities of Medicare demand talents to navigate it. Enter Rock Carter, president  of Medicare CU, a CUSO  set up to help credit unions help their members into good Medicare decisions. You may remember a recent show with Silvur, the winner of CU 2.0’s Fintech Madness battle in Las Vegas.  Silvur – which helps credit unions and their members with both Social Security and Medicare – is a related but fundamentally quite different approach. Credit unions contemplating offering senior members help with Medicare decisions are advised to listen to both podcasts. One approach just may suit your credit union better than the other. But know this: Members need help making Medicare decisions. Credit unions are well positioned to provide that help. What are you waiting for?Listen up.Like what you are hearing? Find out how you can help sponsor this podcast here. Very affordable sponsorship packages are available. Email rjmcgarvey@gmail.comAnd like this podcast on whatever service you use to stream it. That matters.Find out more about CU2.0 and the digital transformation of credit unions here. It's a journey every credit union needs to take. Pronto

Your institution has digital tools, lots of them, but here are the two questions that genuinely matter:  Do your members know how to use them; and do your employees? Too often the answer to both questions is nope. Here’s a possible cure: John Findlay and LemonadeLXP. The LemonadeLXP promise is that it’s easy to use tools will turn your staff into digital mavens and  your members will learn to use the tools that very probably your institution already has. A case in point found in this show: I ask Findlay how LemonadeLXP would help a member whose question is, I want to send money to a relative using Zelle. How do I do that? Understand: failure to know how to use a tool is a primary reason members don’t use it. The stakes are even higher with financial tools – because every member worries that a first time Zelle (mis)use will result in the account emptying out into a Minsk account and who knows where that is? Findlay also talks about actual cases where FI clients dramatically cut call center calls – costs – by deploying LemonadeLXP tools.   Those with sharp memories may recall that Findlay was on the show before – in December 2020. His company has grown, a lot, since then and that is because the need for easy to understand tech teaching tools doesn’t go away. Quite the opposite: the need  multiplies. Listen up.Like what you are hearing? Find out how you can help sponsor this podcast here. Very affordable sponsorship packages are available. Email rjmcgarvey@gmail.com And like this podcast on whatever service you use to stream it. That matters. Find out more about CU2.0 and the digital transformation of credit unions here. It's a journey every credit union needs to take. Pronto

Of course you want more young members – members under 40 are on every credit union’s wish list.Enter Sparrow, which calls itself “the world’s most powerful student loan search.”Here’s what may be the best part: Put Sparrow to work on your website – it’s a white labeled tool and will blend in seamlessly – and students (as well as their parents) will be able to search for private student loans as well as options for refinancing current student loans.If a loan gets made, the credit union gets what you might think of as a finder’s fee – but does not own the paper or service it.  That’s done by the lender that is found using Sparrow’s search tools.It gets better still: Pen Fed already is a client.  So are more credit unions.Hundreds of colleges include pointers to Sparrow in their student aid materials.There’s little – maybe no – downside risk to a credit union to explore Sparrow.  The how to implement along with details on the financial relationship are outlined in this podcast with Harrison Hochman, a proud Stanford alum (class of 2021).Listen up.Like what you are hearing? Find out how you can help sponsor this podcast here. Very affordable sponsorship packages are available. Email rjmcgarvey@gmail.com And like this podcast on whatever service you use to stream it. That matters. Find out more about CU2.0 and the digital transformation of credit unions here. It's a journey every credit union needs to take. Pronto