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Why analytics is a credit union industry opportunity

first_img 13SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr Analytics has been a prevalent topic for many years but never more prevalent in the credit union industry than it is today.  Just a few years ago, the topic hardly came up, but in 2017, it’s hard to find a credit union not talking about, or planning and budgeting for a proper analytics solution.  This excitement about analytics has gathered widespread attention, involving industries, companies, and individuals new to the field of analytics.Now that there is a lot of buzz around the topic, it is important to understand whose challenge, but more importantly, whose opportunity analytics is.  Analytics is the credit unions’ opportunity.  Not just one individual credit union, but all credit unions – the industry or movement.Credit unions need to understand the value of their data, not just as one credit union’s data, but the value of all credit union data.  Alone, as a single credit union, how do we compete with U.S. Bank, Wells Fargo, and Citi Group, not to mention the FinTechs like SoFi?  We can’t.  The answer to our biggest challenges is something that is inherent to the credit union industry – collaboration.  While we might not be able to fully execute on analytics alone, we can do it together – as ONE. continue reading »last_img read more

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Rio Ferdinand heaps praise on ‘discarded’ Bayern Munich star Serge Gnabry

first_imgGnabry was in dazzling form for Bayern (Picture: Getty)Rio Ferdinand has hailed Serge Gnabry as ‘world class’ after the winger fired Bayern Munich into the Champions League final.Bayern will take on Paris Saint-Germain in the final this weekend and Gnabry was the star man in Lisbon, scoring twice in the 3-0 victory.Gnabry came through Arsenal’s youth ranks but was sold by Arsene Wenger in 2016 and has since emerged as one of the best forwards in world football.Tony Pulis famously wrote off Gnabry after a loan spell at West Brom, but Ferdinand heaped praise on the 25-year-old following his latest performance for Bayern.ADVERTISEMENT‘If you can get around 20 goals and ten plus assists, you are sitting at the top level, a world-class wide man,’ Ferdinand said on BT Sport.AdvertisementAdvertisement‘He looks a well-educated player, does all the right things with and without the ball. ‘He’s got to be one of the most improved players in football at the moment. In terms of his trajectory, from where he was being discarded by Arsenal and West Brom to where he is now, wow.’ Bayern are the favourites heading into the final, but Ferdinand is convinced PSG will take the chances Lyon allowed to pass them by against the German side.‘I can’t wait. There’s going to be goals the way they both play,’ Ferdinand said. ‘When we saw the draw, this was the dream scenario. Will they continue to be this open against PSG? 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‘If they do this against (Kylian) Mbappe and Neymar, they’re gone, it’s all over. ‘PSG are guaranteed to get chances. Bayern are a special team, they’ve got so many ways they can beat you. ‘It is mouth-watering. PSG’s front three are just incredible. You look at the goalkeeper, his experience. Gnabry is part of a brilliant Bayern side (Picture: Getty)‘That might be a concern. My worry for PSG was how they would apply themselves, but they’ve been brilliant in the knockout stages. ‘They’ve found a formula that’s working for them. ‘It’s not always about talent but it seems like the penny has dropped.’MORE: Bayern Munich or PSG? Ruud Gullit predicts who will win Champions League finalMORE: Bayern Munich to face PSG in Champions League final after Serge Gnabry brace downs LyonFollow Metro Sport across our social channels, on Facebook, Twitter and Instagram. For more stories like this, check our sport page. Advertisement Comment Coral BarryThursday 20 Aug 2020 12:08 pmShare this article via facebookShare this article via twitterShare this article via messengerShare this with Share this article via emailShare this article via flipboardCopy link620Shares Rio Ferdinand heaps praise on ‘discarded’ Bayern Munich star Serge Gnabry WOW WOW WOW 😳Serge Gnabry with a pearler here! 🔥A stunning goal to open the scoring!#Club2020 pic.twitter.com/0EqGDb0D4n— Football on BT Sport #Club2020 (@btsportfootball) August 19, 2020 Advertisementlast_img read more

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Students, administrators react to assault bill

first_imgIf “no means no” becomes “yes means yes,” California could become the first state in the country to adopt a new affirmative consent standard for universities’ sexual assault and gender-based violence policies.The California bill, penned by Sen. Kevin de Leon (D-Los Angeles) and Sen. Hannah-Beth Jackson (D-Santa Barbara), passed unanimously through the state senate last month. If signed into law by Gov. Jerry Brown, it would require colleges receiving funding from the state to adopt an affirmative consent standard of “yes means yes,” in which only an affirmative, conscious and voluntary agreement uninhibited by silence, a lack of resistance or intoxication of any kind can be regarded as consent.The law would also include policies and procedures detailing how to best handle cases of sexual assault or domestic violence on college campuses in order to ensure academic institutions provide the treatment, information and resources necessary to students.Though the legislation is still pending, Vice Provost for Student Affairs Ainsley Carry said the university will abide by the law completely if passed.“If it adds clarity for students to use the affirmative ‘yes,’ we welcome it, “ Carry said. “Every educational effort we can deploy adds clarity to the conversation.”The bill is being considered amid a nationwide conversation regarding sexual assault on college campuses. At least 76 universities, including USC, UC Berkeley and UCLA, are currently under investigation by the Department of Education for alleged misconduct in handling sexual assault cases.Undergraduate Student Government Assistant Director of Wellness Affairs Francesca Bessey said that though calling for affirmative consent is an important step, it also reflects the need to remove the responsibility from the victim to the offender.“There are a lot of associated cultural and policy shifts in choosing the ‘yes means yes’ idea because what that shift really reflects is a transition from victim-oriented conversations to predator-orientated conversations, and shifting responsibility from the person who was supposed to say no to the person who was supposed to seek permission with a yes,” Bessey said.USC Center for Women and Men Director Ekta Kumar said USC already incorporates affirmative consent language in its policies regarding sexual assault on campus.“Generally, I think this bill is great, and it helps point universities in the right direction,” Kumar said in an email to the Daily Trojan. “USC, however, already utilizes this type of affirmative consent language in its procedures and policies.  If you look at SCampus policies, it is already in line with this bill and helps combat rape culture.”Last month, the university implemented seven new provisions for sexual assault prevention designed to educate the campus community about sexual misconduct, including the implementation of initiatives such as mandatory online sexual assault education and a “Step-Up” program encouraging bystander intervention. Also included in the new provisions will be a campus-wide task force composed of student volunteers committed to coordinating university efforts to address issues of sexual assault.Bessey said that though the national and on-campus conversations surrounding issues of sexual assault are to be applauded, the university must do more to seek enough input from students on how to handle it.“It is my feeling that consent is not consent if it’s not being actively given,” Bessey said. “I wish that my university would have that same standard.”Though no  single  piece of legislation will solve the issues surrounding sexual assault prevention on campus, Carry said the combined efforts of legislators, university administrators and students is a step in the right direction.“Students are talking about it, students are aware of it — and that’s exactly what we want,” Carry said. “We want students to be aware of these things on Friday and Saturday nights when they’re making smarter choices.”Carry also stressed the importance of maintaining the momentum surrounding nationwide conversations about sexual assaults on campus.“What I don’t want is for us to have this big storm of excitement and then forget to talk about it,” Carry said. “I’m proud of the efforts in Sacramento and on our college campuses to keep the conversation going.”Gov. Brown has until Sept. 30 to sign the bill.last_img read more

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Steelers defeat ex-Steelers, now face toughest stretch of season

first_imgThe Steelers defeated the ex-Steelers, oops, I mean the Steelers defeated the Arizona Cardinals 32-20 and now must prepare for the toughest three game stretch of the season. After appearing in the 2009 Super Bowl, the Cardinals have fallen on hard times. The Sunday loss was their fifth straight.Despite a penalty filled game, 12 total, the Steelers offense and defense looked almost impressive, but this was the same team that was blown out by the lowly Minnesota Vikings. ALL-PROS BATTLE IT OUT—Pittsburgh Steelers’ All-Pro cornerback Ike Taylor defends against Arizona Cardinals All-Pro wide receiver Larry Fitzgerald Oct. 23, in Glendale, Ariz. Fitzgerald, the best receiver in football, had 78 yards on just 4 catches as Taylor was in his jersey all game long. (AP Photo/Paul Connors) Ben Roethlisberger and Mike Wallace hooked up for the longest pass play in franchise history, a beautiful 95-yard connection that started the Steelers on their way to what was a fairly easy victory. Roethlisberger, who went 25-of-38 passing for 340 yards and 3 touchdowns, also had TD tosses of 12 yards to Heath Miller and 4 yards to Emmanuel Sanders in the first game between the teams since Pittsburgh’s 27-23 thriller over Arizona in Super Bowl XLIII.Kevin Kolb threw two touchdown passes, his first in three games, for Arizona (1-5), but he missed several open receivers and, with a blitzing LaMarr Woodley in his face, drew an intentional grounding call in the Cardinals’ end zone for a Pittsburgh safety. He also set up the Steelers first score with an interception on the first play of the game.The Cardinals held the Steelers running game in check. Rashard Mendenhall had only 32 yards on 13 carries and Isaac Redman 29 on 6 carries. Antonio Brown is getting better with each game as he and Wallace both had more than 100 yards receiving. He had 7 catches for 102 yards and Wallace 3 for 118.Larry Fitzgerald, the best receiver in football, had 78 yards on just 4 catches as Ike Taylor was in his jersey all game long.Coach Mike Tomlin on the game after the game: “It’s great to put together a winning performance on the road. It’s something we hadn’t done definitively to this point. I like our efforts on all three phases. We made the necessary plays. We had some signature splash plays on defense. We made critical third down conversions on offense in the second half, things we didn’t do a week ago. All positive signs. Largely we are pleased to come into a venue like this and get a ‘W’ and move on. From an injury standpoint we are pretty clean. Hines (Ward) had an ankle and was unable to return. We’ll see as the week goes on. You know Hines always finds a way to defy logic when it comes to injury and so forth. We will definitely leave a seat on the bus for him. We’ll see where next week takes us.”On Roethlisberger’s performance “He was very good. The thing I like he did was, of course he did his usual as far as buying time and creating plays, I like the way he utilized the backs as plays broke down. I thought that was an opportunity for us. I thought they had some critical conversions and nice plays, positive plays, just dumping the ball to 33 (Isaac Redman) or 34 (Rashard Mendenhall) or 21 (Mewelde Moore). I liked that.”On the young receivers. Emmanuel Sanders and Antonio Brown: “Those guys did that last year. We don’t view them as young guys anymore. They have to deliver plays for us. I think they understand that. I think they embrace that.”The Steelers (5-2) won their third in a row and improved to 2-2 on the road. Now they must face their toughest three foes of the season. The first is the New England Patriots (5-1) at Heinz Field this Sunday at 4:15. The Patriots behind Tom Brady are currently the best team in the AFC. But their defense is questionable, so they can be beaten.The Baltimore Ravens (4-1) are probably the second best team in the AFC and played the Jacksonville Jaguars Monday night after Courier deadline. They have the second best defense in the AFC but their offense is still in question. The Steelers face them the following week Nov. 6 at 8:20 p.m. on NBC Sunday Night Football. Then it’s the surprising Cincinnati Bengals (4-2), who they will face on the road.If the Steelers win all three they are in the AFC drivers’ seat at 8-2. However, if they split 2-1, they are still in good shape at 7-3. They really need the victory over the Ravens, because they are in the same division, which would give them a split. However, if they lose, they lose the tie breaker in the playoffs because they would have lost both divisional games. The same is true of the Patriots if they finish with the same record.The Bengals have been a big surprise, and could serve as a spoiler this season, but right now they are as much in the race as the Steelers.If the Ravens beat the Jaguars they will remain on top of the AFC North Division with a 5-1 record, if not they drop to a tie with the Steelers at 5-2. The Bengals are in third and the Cleveland Browns (3-3) remain in the cellar despite a 6-3 victory over the Seattle Seahawks.last_img read more

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