By Robert McGarvey

How screwed are you if you own a timeshare in the pandemic – and know we probably will be in this for at least another year.  Maybe longer.  Maybe until 2024.  

Timeshares aren’t cheap. The average cost of a one week timeshare (pre pandemic) was north of $22,000.  Many also involved an annual maintenance fee that runs on average about $1000 and which you pay whether you use the property or not. In some cases, too, timeshare owners are hit with special assessments to cover extraordinary repairs and upgrades.

And this year some of the very most preferred timeshare destinations – think Kuai, Maui, the Big Island, Oahu – have effectively been closed to tourists and no one now sees that changing before September 1 in the case of Hawaii.  Besides, who wants to get on an airplane and go a long distance this year?  Not many of us.  

I’ve long been a timeshare skeptic.  This year, maybe more than ever. With tens of millions of us out of work and uncounted millions more working reduced hours for fewer bucks, a lot of timeshare owners are thinking that, yes, they are due a timeshare vacation this year but they are in no mood for a vacay and may not have the dough for airplane tickets. To say nothing about their not wanting to pay the annual maintenance fee. 

Look, if you own a timeshare,  I come not to mock you. And I know it is very hard to unload a timeshare – with a cottage industry of timeshare exit firms, many of which don’t do much good.

One positive note: the big names in timeshares (the usual suspects such as Marriott, Hyatt, Wyndham, Disney) all have offered some flexibility when it comes to booking and cancellations this year. The Points Guy ably sums up the high and low points for the main players here.  

Cancellation policies also are a moving target. Here’s a Marriott Vacation Club update. Very probably every other major operator has issued updates, possibly multiple times, because the Covid-19 pandemic is playing out in ways most in travel just did not anticipate (and with far more devastating impacts than had been anticipated, such as closures of state and even national borders to most travelers, timeshare owners very much on the excluded list). 

Wyndham has what looks to be a very fair cancellation policy: “If you need to cancel an upcoming reservation with an arrival date through August 16, 2020, you can do so online without penalty up to 24 hours prior to your scheduled arrival. Your vacation points, housekeeping credits, and reservation transaction(s) will be returned to your account within 72 hours.”

Hyatt timeshare owners can get updated info here.  

Yours is with a smaller player? Good luck.  Every situation will be ad hoc, no two companies will offer the same deals, and you probably are advised to say a novena before calling.  I mean neither to be cynical nor pessimistic – but this indeed is a situation that may call for praying for a special dispensation to help you navigate rocky waters.

Probably you can’t end your miseries by selling the timeshare. The ABC-15 TV headline (Phoenix) tells the story: Pandemic brings surge of people looking to dump timeshares — and scams.  

What this piece – and many other stories – tell is the waters are full of hustlers and crooks who will promise desperate timeshare owners an exit for a fee…and they pocket the payment but frequently do nothing.  The unwitting timeshare owner often has a few months of thinking him or herself free of the albatross – until demand letters seeking annual fees start arriving and that owner is still on the hook

Even ARDA-Resort Owners’ Coalition, an association of timeshare operators, has loudly warned timeshare owners to be on the alert for scammers. 

There just is no easy out for a timeshare owner who no longer wants it.  

Which brings us to good news for non timeshare owners: you just may be able to score a terrific bargain renting a timeshare for a vacation week, very possibly scoring an apartment for less than a hotel room in the same town could cost.  Some timeshare owners just don’t want to use their week this year – understandably – and so they are seeking to cut their losses by renting the unit out.  That can be a win-win.

And you know what: you will get to see, first hand and personal, exactly what’s involved in a timeshare.  And if you like it?  There are many websites selling timeshares put on the market by owners who want to unload them – eBay has a brisk market – and frequently you will find discounts of 50% and more off sticker price. Word of advice from timeshare veterans is stick with the names you know and, very possibly, you will score a terrific deal.

Especially now.

Ask Angela Russell, Vice President of Diversity, Equity and Inclusion at CUNA Mutual Group, a year from now what she would want to be able to tell us about progress made in the year and she did not hesitate with her answer.

On a personal level, she said, she hoped her son would be able to go for a run outside without fear.

Professionally, she said she hoped that the conversation about race and diversity and financial inclusion would be continuing and that credit unions would still be taking positive actions, rather than today’s focus on race simply fading away as just another fad.

Take a deep breath now. If you believe this will be a heavy podcast that challenges a lot of your beliefs you are right.

“We are doing better but we have a long way to go,” said Russell

But also know this: Angela Russell is an engaging conversationalist (hear her personal podcast, Black Oxygen, here) who laughs often but who also puts our attention on issues we might want to ignore – but nowadays we cannot.

The US is changing. We are fast on the way to becoming a minority majority nation. Credit unions that want to stay relevant need to adapt to this changing reality and that means, among other things, tuning into the changing demographics of their communities, seeking to engage minority board members, and seeking to improve representation of multiple races and nationalities on their workforces.

It’s a tall order. But now is the time.

Listen here.

There are many related podcasts in this series, including #100 with Victor Miguel Corro of Coopera, another CU DEI Collective member, 101 with Renee Sattiewhite of the African American Credit Union Coalition, and also Cathie Mahon, CEO of Inclusiv, also a CU DEI Collective member. And a podcast with Cliff Rosenthal, a pioneer in the CDFI world. And there’s a podcast with Pablo DeFillipa, also of Inclusiv.

Another don’t miss is Bill Bynum of Hope CU.  

The podcast also mentions a book titled Evicted, by Princeton sociologist Matthew Desmond.

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

By Robert McGarvey

The nation’s airlines are at a crossroads – indeed, confronting an existential threat – that will decide their near-term fate. Will they live…or die?

It is all about the face mask.

Understand: a face mask probably will not protect the wearer.  What it does is lessen the odds that the wearer will infect others.  A mask protects others around you.

By now, most US carriers say that if you refuse to wear a mask, you will be kicked off the plane and may even be banned.  Delta in fact says it has banned 120 flyers for refusing to comply: “‘Countless studies and medical experts have advised us that masks are an essential response to the virus that will help us reduce transmission,’ Delta CEO Ed Bastian told employees Thursday in an internal memo obtained by CBS News. ‘That’s why we’re taking it very seriously. We’ve already banned 120 flyers from future travel with Delta for refusing to wear masks on board.’”

Delta has also taken steps to define what is an acceptable mask (ones with exhaust valves don’t cut it, for instance). That deserves applause.

Especially because you can get Covid-19 on a plane. Indisputable fact.

And then there is the persistent problem of self-centered, obstreperous flyers who insist they have a right not to wear a mask and loudly refuse to do so.

In some cases, they delay the flight and inconvenience every other passenger.  A Delta flight from Detroit to Atlanta actually turned around and returned to Detroit when a couple passengers refused to comply.  

An American flight caved in when a passenger refused to wear a mask – he cited his alleged HIPAA rights – and then the situation went into flagrant absurdity. Let Travel Pulse tell what ensued: “The aircraft’s captain did speak with [the non-compliant passenger], who said the crew attempted to kick him off the plane, but he remained in his seat. The captain then made an announcement over the public address system saying that any passengers who did not feel safe could get off the plane and re-book their travel without a change fee.”

Wait: so if I am a passenger who feels my health is compromised because a passenger believes he has a right to not wear a mask I can dramatically inconvenience myself by getting off the plane, throwing my schedule into turmoil, and, joy, I won’t have to pay a change fee.

If this were an Ionesco play I’d laugh. It’s not. It’s our lives and this is maddening.

Understand this, American Airlines: If that happened to me I wouldn’t want to change flights, I would demand a refund and I would use every tool in my personal tool box to collect my money.  

Just don’t fly American: that’s the plain take-away.

Understand this too: Airlines have an absolute right to refuse service to any who refuse to comply with their rules unless the person is in a protected class.  Doesn’t that mean people with health conditions that preclude mask wearing? Definitely.  But that does not mean all who claim a qualifying health condition have one.

United, for instance, asks passengers who believe they have a valid condition that makes it impossible to wear a mask to contact the airline in advance and to be prepared to document the condition. Delta tells such passengers to be prepared to go through a “special screening.”  

Which brings us to the existential problem: how many of us will just decide not to fly because so many seem determined to flaunt face mask requirements – and that endangers us. If we feel our health is significantly jeopardized by flying, we won’t, it’s that simple.

Even WHO acknowledges the risks are real.  

There are many more people who want to be mask compliant than who are determined to refuse to wear a mask.  Drive away the mask wearers and that is a fast highway to economic oblivion for carriers.

Why doesn’t the White House step in and order mask wearing in airports and on planes?  That’s exactly what the carriers have hoped would happen. Ditto flight attendants.

But that hope is fanciful.  Trump has sought to duck and weave around Covid-19 from the beginning – even denying it amounted to a significant health threat – and it is highly improbable that he would demand mask wearing on planes. Yes, he backtracked from his mask wearing refusal and personally wore a mask at least once in public and in fact said mask wearing in public places is a good idea. But do not expect him to flatly insist that all of us who can must wear masks on planes and other modes of public conveyance.  He won’t go there.

Not even if this refusal to act endangers the very future of the major US carriers and not even if it endangers the health of millions of us who fly and may find ourselves on a plane with a bozo who refuses to wear a mask because he/she has a “right” not to.

A few short sentences from Trump could stop all this.

Meantime, I plan to continue my flying abstinence.  What about you?

You know the feelings – powerlessness, exasperation, maybe even anger – and know that these are typical for credit union staff involved in audits conducted by regulators.

Those audits are routine but for many credit unions they are an ordeal.

Why?  Maybe 8 in 10 credit unions still handle issues that arise in an audit the same way they did in 1990, that is, a  lot of email flies around to staff (“Handle the attached request from the auditor”) and everything is logged into a tracking spreadsheet.

Except some items never make it into the spreadsheet.  Some emails go missing. And anxiety and frustration boil over.

Those credit unions are drowning in minutiae.

Here’s the life preserver.

Enter Redboard, a software tool that automates the process and, says Redboard CEO Brad Powell, the software pays for itself in reduced staff time alone.

Some audit software is hard to use. Not Redboard. When asked, Powell said it’s “so easy even a caveman can use it.” 

He added that “we build our software on the same principle that Apple builds the iPhone,” that is, there is significant sophistication but, for most users, what they experience is how easy it all is. 

Hear the Powell podcast here.

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

By Robert McGarvey

Ask Chip Rogers, CEO of the American Hotel and Lodging Association, when business travel will rebound and what he tells reporters is that a year from now it will be at 70% of normal, assuming a best case scenario.

He does not expect large meetings, conferences, conventions to rebound to more than 50% before early next year.

Color me skeptical, on both scores.

Color me deeply skeptical that it makes any sense whatsoever to assume a best case scenario when the White House’s handling of the corona virus has been about as bad as any dystopian novelist could have imagined on an especially dour day. There is no reason to expect it to improve, if only because the White House is heavily invested in downplaying the crisis.  That’s no way to succeed with a health emergency and it won’t work this time.

When I talk with business travel experts – including industry senior executives – they always tell me that business travel will return, including large meetings, when a vaccine is available and has been widely distributed. Yes, there is good news out of Oxford University in this regard.  But don’t be too hasty to hold celebrations.  Prof. Sarah Gilbert, from the University of Oxford, told the BBC: “There is still much work to be done before we can confirm if our vaccine will help manage the Covid-19 pandemic, but these early results hold promise.”

What early Oxford research is showing is that their vaccine is safe enough to administer to people. So far, so good.

What the research has not yet shown is if the vaccine can prevent people from getting sick with the virus or spreading it.

Assuming all goes well, even the Professor Panglosses among us acknowledge it will be early 2021 at the very soonest before there is wide availability of the vaccine. So don’t expect a rush to resume business travel and definitely not large meetings and conferences. According to trade publisher Northstar, “Just four weeks ago, 40 percent of meeting planners expected to hold rescheduled events during this calendar year, according to the Pulse Survey’s June 17 findings. With increasing uncertainty and rapidly rising COVID-19 cases in the U.S., that number has declined to 25 percent, per the latest results. More than half (56 percent) are now eyeing the first half of 2021 as the earliest time frame for rescheduled meetings, while 17 percent are pushing dates into the latter half of 2021 or beyond.”

The logistics of shoving out hundreds of millions of doses of a new vaccine just in the US – billions worldwide – are daunting. Smart money is betting that Q3 2021 is when vaccines will be plentiful. Sooner may happen but it just is not a realistic prediction.

The big, ugly fly in this ointment is that unknown but probably large numbers of us will refuse to get vaccinated.  The anti-vaxxer movement has not taken a holiday in the age of corona virus.  A recent poll found that 70% of us said sure, they’d get vaccinated.  15% said definitely not. Another 12% said probably not. And 2% had no opinion.

An AP poll produced an even more disconcerting number: just 1 in 2 of us said sign me up for a vaccine. The AP added: “The new poll from The Associated Press-NORC Center for Public Affairs Research found 31% simply weren’t sure if they’d get vaccinated. Another 1 in 5 said they’d refuse.”

Either way, there are a lot of hardcore anti-vaxxers: 1 in every 4 or 5 of us. That means one in every four or five people on the plane you climb aboard may have abstained, one in four or five around the convention lunch table may have said no thanks, one in four or five at the happy hour may be ready to swill free wine but unwilling to get vaccinated.

And you will have no way of knowing because I’d say it is highly unlikely that we will see airlines and meeting organizers and conference hosts requiring a vaccination certificate before granting entry.

In a country that cannot mandate wearing face masks in indoor public setting such as stores there is no reason to expect a federal mandate that thou shall get vaccinated unless there is a compelling and provable health reason not to. There will be no mandate.

Which means 20 to 25% of us just won’t bother with the vaccine, which will keep the disease flourishing for some time and, again, nobody presently knows what immunity the vaccine will in fact deliver just as nobody knows what immunity having had the disease and survived is gained.  

One third of the world’s population fell ill in the 1918-19 flu pandemic, about 500 million people. Maybe 50 million died.

We have many millions of sicknesses ahead of us, many tens of thousands of additional deaths in the US alone.

Whatever slim optimism I once had that business travel would rebound soon is on hold.  Ask me in Q3 2021 if you should start thinking about business travel in general and large meetings in particular. Until then, put the carryon bag in storage, stop checking loyalty status in travel programs, and learn to love Zoom because it is how we will be getting around for many more months to come.

by Robert McGarvey

“The credit union industry needs to reflect the community,” said Pablo DeFilippi, a senior vice president at Inclusiv, the association for community development credit unions, a past CEO of the Lower East Side People’s Federal Credit Union in New York, and a leading voice in the push for more Diversity, Equity and Inclusion in the credit union universe.

He points out that, as nation, we are becoming ever more diverse.  Indeed, by 2045, the US will become “minority white,” according to demographers. 

The time for change is here and, said DeFilippi, he hopes we are moving beyond statements alone – well meaning as they may be – and into action.

He reminds us that the nation’s first credit union, St. Mary’s Bank, was founded in 1908 by French Canadian immigrants in Manchester, New Hampshire, who felt excluded by mainstream financial institutions.

DeFilippi’s point: this kind of outreach is in the credit union DNA, it is a mission credit unions are well positioned to fulfill.

DeFilippi worries that the nation’s minority depository institutions will be under particular strains as the nation’s deep recession amounts to an existential threat.

But he also is pleased to be able to report that Inclusiv members issued perhaps $1 billion in PPP loans (and note this interview was recorded just before the PPP application deadline was extended from June 30 to August 8th).

Listen to why he is optimistic that we are indeed on the edge of real changes.

It’s an upbeat podcast.

Hear the DeFilippi podcast here.

There are many related podcasts in this series, including #100 with Victor Miguel Corro of Coopera, another CU DEI Collective member, 101 with Renee Sattiewhite of the African American Credit Union Coalition, and also Cathie Mahon, CEO of Inclusiv, also a CU DEI Collective member. And a podcast with Cliff Rosenthal, a pioneer in the CDFI world.  

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

by Robert McGarvey

A question is getting asked these days that you probably never thought would be on the minds of credit union executives: should we get involved in cannabis banking?

Even 10 months ago it was a topic broached only by the boldest financial institutions. Why? Because one recent US Attorney General had been adamant that marijuana is against federal law, period. And, although his successors have been vaguer about marijuana, the volatile character of the current White House gave pause to many in financial services.

In a worst-case scenario, the whole of an institution’s assets possibly could be tied up over a single, small cannabis business, and who needs that?

Not too many, in fact. For the quarter ending in March 2020, just 710 banks and credit unions reported serving marijuana businesses, down from 739 for the quarter ended in December 2019.

Continued in the CU2.0 blog

By Robert McGarvey

New research from MIT statistics professor Arnold Barnett makes a powerful argument that flying with an empty middle seat just about halves the risk of contracting Covid-19 inflight.

Frequent flyers on American and United, neither of which commits to keeping middle seats empty, might want to send an FYI link to the study to the CEOs of those airlines.

Or maybe just fly Delta or Southwest, both of which are keeping middle seats empty, which is what my plan is.  Ditto JetBlue. Yes, I have historically given most of my traffic to United (nee Continental) and next most to American but no more. Fly carriers that understand your health is a priority.

As for why American and United give us the proverbial finger, I have no idea. They are not exactly flying at full capacity these days. Delta, for instance, said in a July earnings call that “For the September quarter, we expect our seats available for sale, which accounts for 60% load factor cap, will be 20% to 25% of last year’s level, up from 10% in the June quarter.”

Other carriers are recording similarly anemic numbers.

Which makes it all the more puzzling that American, United, et. al. are saying they won’t commit to blocking middle seats even though they have to know that it is health concerns (fears) that are keeping us out of the Unhealthy Skies.

And an empty middle seat dramatically ups our chances of staying healthy on a flight, per Barnett.

Here are Professor Barnett’s findings:”Recent research results and data generate the approximation that, when all coach seats are full on a US jet aircraft, the risk of contracting Covid-19 from a nearby passenger is about 1 in 4,300 as of early July 2020. Under the ‘middle seat empty’ policy, that risk falls to about 1 in 7,700.”

Barnett also tells us how likely we are to die from Covid-19 if we fly: “These estimates imply Covid-19 mortality risks to uninfected air travelers are considerably higher than those associated with plane crashes but probably less than one in 500,000.”

The odds of dying in a plane crash are 1 in 34 million, said Barnett.

Right now, the only effective tools we have in fighting Covid-19 are social distancing and masks or shields.  That’s why the empty middle seat matters.

When a person is crammed in the middle seat next to you (or you are the one crammed into the middle seat). You are literally, not figuratively, cheek by jowl and elbow to elbow with the next passenger.  Their breath will envelop you and yours will envelop them.

The risks are obvious.

Understand, by the way, that Barnett’s math presupposes that all passengers wear face masks.  He explains why this matters: “a meta-analysis in The Lancet estimated that mask wearing cuts transmission risk given contagiousness from 17.4% to 3.1%, a reduction of 82%.”  Not everybody wears a mask, of course, so remember that stat to throw out at any self-focused bozos on planes who want to go maskless.

A foundation for Barnett’s calculation is this: “transmission risk given contagion is about 13% assuming direct physical contact and drops by ½ for each meter further apart.”

Distance apart matters on a plane. Social distancing, say it loud, say it proud.

By the way, Barnett also notes there is a way for carriers to drive risk to zero even in coach: “If there were (say) a layer of plexiglass between the two [passengers], then transmission risk would essentially drop to zero.”

That’s right: nil.

While you are emailing carrier CEOs you might ask what their plans are for installing plexiglas shields.   Sure, there has been talk in the frequent flyer universe of plexiglas in coach but I am unaware of any serious discussion at the carrier level.  Have they tossed around the idea in strategy sessions, sure.  But with as much seriousness as college kids in a dorm smoking pot in 1970 seriously contemplated trying to occupy the White House. Talk is cheap. In dorms and corporate HQs.

Barnett admits to a glitch in his calculations: There’s no easy way to factor in flight duration as a magnifier of risk.  The professor noted: “One might expect that the risk of infection would vary with the duration of the Flight, perhaps in proportion to the time spent with a contagious person. Unfortunately, it is unclear how to incorporate flight time into the risk analysis.”

He’s right though: intuitively, it seems probable that duration matters and longer flights heighten risks of infection.  But we just don’t know how to do the math to quantify that.

Back up a few steps, however, you may be thinking: aren’t the odds of 1 in 7700 pretty low – and therefore why am I afraid of flying?  You bet it’s low.

But you don’t want to get Covid-19.  About 580,000 people worldwide are estimated to have died from it.  This is a disease that will go down in history with the Spanish flu of 1918 (not 1917, by the way).  It’s big, it’s bad.

I’ve had it, I survived, but I know you don’t want to risk it.

The difference between 1 in 4300 and 1 in 7700 is enormous.

Don’t fly American or United. Play the odds. That’s the smarter, safer bet.

The subtitle for this podcast should be All You Wanted to Know About Mortgage Servicing But Were Afraid to Ask.

Our guest is Andrew Wang, CEO of Peach Street, a new approach to mortgage servicing that just may be exactly what many credit unions want.

Most mortgages are passed off to third party servicers for two reasons. The servicers know the government regs and how to comply and they also are skilled at cutting costs.

Most see mortgage servicing as commoditized and the only difference between companies is price.

Enter Peach Street which puts a focus on consumer experience, customer experience, and technology.

Lost at many mortgage servicers is interest in the consumer experience, if only because the servicer’s customer is the financial institution that owns the paper.

Peach Street wants to win by offering a new model where experiences matter.

A lot of what the consumer needs will be delivered via self service online – but in most surveys that approach lowers consumer friction.

“This is about a 30 year relationship,” said Wang, who adds that, done right, mortgage servicing can become a vehicle where the financial institution cross sells products to a happy consumer.

“Mortgage servicers should think of themselves less as a collection agency and more as a financial adviser,” said Wang.

Along the way, Wang tells how Peach Tree has ended NSF fees for its consumers and also its innovative thinking about how to handle foreclosure in a way that benefits the homeowner, the lender and the community.

See what we meant: this is all you waned to know about mortgage servicers and didn’t know to ask.

Listen to the Wang podcast here.

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 there racism in US financial institutions?

Can credit unions make a difference in the fight to combat racism?

Yes is the answer to both, says Renee Sattiewhite, CEO of the African American Credit Union Coalition, a founding member of the CU DEI Collective which is centered around this belief: “We believe that diversity, equity, and inclusion is good business and is fundamental to a vibrant, relevant and growing Credit Union Movement.”

That is the key: practicing DEI is both the right thing to do and good business.

The US increasingly is a minority majority country.

So is today’s DEI movement likely to result in real changes?

Or is it another well intended effort that results in little substantive?

Ask Sattiewhite and she will tell you she is optimistic. Maybe cautiously so. But optimistic nonetheless.

“This time is different,” she said.

The time for change is here, she believes, a reality dramatized by weeks of coast to coast protests against racism and police brutality.

“I believe credit unions can lead the way in helping America eradicate racism.”

Sattiewhite is keenly interested in job opportunities in credit unions for people of color and she has numbers: there now are 15 African American CEOs of credit unions, including 6 at billion dollar institutions.

Could there be more?  “I look at this and see a glass half full,” said Sattiewhite, who added that credit union can do more, better in hiring minority professionals, promoting them, and – this is key – recruiting minority board members.

Hear the Renee Sattiewhite podcast here.

There are many related podcasts in this series, including #100 with Victor Miguel Corro of Coopera, another CU DEI Collective member, and also Cathie Mahon, CEO of Inclusiv, also a CU DEI Collective member.

Sattiewhite also offers a shout out to Jim Blaine, a past podcast guest for his support of AACUC.

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