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The Art of Combining Technology with Traditional Service Delivery

By: Mark Roe

Also featured on CB Insight


As consumer interest in mobile banking services increases, financial institutions are feeling pressure to implement technology-based strategies to keep up with the rapidly growing demand. But jumping into the mix without a solid internal structure in place to support the transition can be risky. Following are steps you can take to ensure your mobile strategy is successful for your account holders and a good investment for your institution’s future.

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Address Lost Revenue and Improve Service in 2016 with a Proven Overdraft Program

As financial institutions continue to look for ways to be successful, economic and regulatory challenges – along with new technologies and service initiatives – can cause leadership to rethink how time and resources should be spent. Learn how providing a proven, reliable financial safety net can strengthen account holder relationships and have a positive impact on your institution’s long-term performance.

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Act Now to Avoid a Future Talent Crisis

By: Charles Shanley, SPHR, CFS
Also featured on CU Insight

As Baby Boomers continue to retire and the improving economy increases the availability of new job opportunities, the odds of losing long-term leadership or highly-skilled personnel are on the rise. For institutions that don’t have internal bench strength or ready access to qualified candidates to fill important open positions, the future could be challenging. Learn how building and maintaining a cost-effective internal training strategy and well-thought out succession plan can infuse your institution with the talent you need to succeed.

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Slow to Complete EMV Migration? You’re Not Alone!

By Kelly Flynn, National Sales Director


While many financial institutions remain focused on addressing the migration of their credit and debit cards to new EMV security standards, they shouldn’t overlook the potential savings and service improvements they could get from their current card brand and processing contracts. The EMV migration process is expected to continue into 2017, however your institution can get started right away to uncover lower costs, possible signing incentives, and better account holder services with a professional review  and renegotiation of your existing credit and debit card vendor agreements.

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JMFA Promotes Accomplished Director to Lead Profitability Consulting Sales
BAYTOWN, Texas (January 7, 2016) John M. Floyd & Associates (JMFA), the leading consultant for banks and credit unions nationwide, has named long-time regional director Mark Roe as national sales director for the company’s profit and performance enhancement consulting services, Roe will lead all sales efforts, as well as training initiatives to support JMFA’s strategies that lead to long-term stability for its clients. Read more
Build an Effective Base to Capture Greater Share of Wallet

By J. Keith Hughey, Senior Consultant

Generating revenue and growth are essential for maintaining stability for all financial institutions. But oftentimes, marketing resources are focused on attracting new prospects instead of capturing additional business from current account holders – even though conventional wisdom asserts that it costs far more to gain new business than to grow an existing relationship. Learn four strategic steps you can take to capture a greater share of wallet from your existing account holders and increase their level of loyalty to your institution.

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The Value of Distributed Leadership

By J. Keith Hughey, Senior Consultant

Regulations, cyber security, EMV migration, low interest rates, technology and competition. These are just a few of the issues concerning community-based financial institutions as they strive to be competitive or make the transition to becoming a larger institution. With all of that on their plates, I am nonetheless dismayed that one crucial area that lacks attention in an organization’s quest for success is how to maintain a level of leadership that is capable of guiding it for the long-term.

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Are You Tapped Out on Technology Costs?

By Kelly Flynn, National Director

Staying on top of changing consumer demands remains one of the top challenges for financial institutions today. Whether it’s a mobile app that allows members to better manage their transactions; the ability to receive text/SMS notifications on transactions over a pre-determined amount or outside of a specified geographical area; implementing card tokenization or rolling out new pin and chip card technology with new Euro MasterCard/Visa (EMV) cards, offering new technology to account holders will most likely involve substantial costs.

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Help Wanted: A Digital Strategist

By Charles Shanley, Executive Vice President

Online resources continue to play a crucial role in consumer shopping preferences. As a result, more and more individuals are accessing financial services through digital channels. According to the Filene Research Institute, 50 percent of consumer’s report searching exclusively online for financial services products. What’s more, they are typically drawn to a specific product before settling on the right bank or credit union. And, according to a recent study from Accenture, 72 percent of consumers aged 18 to 34 would bank with Google and T-Mobile if they offered financial services.  

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No More Thankless Jobs

By J. Keith Hughey, Senior Consultant

I recently took part in the Independent Bankers Association of Texas' 41st Annual Convention in Galveston. Throughout the three-day event, I observed one speaker after another take a moment to thank various people – with kudos being directed to team members, family, mentors, Boards of Directors, the IBAT staff and leadership, along with the exhibit hall staff, event planners, food service staff, and assorted others – who in one way or another either had a hand in their achievements or in making the event and its many moving parts a rousing success.

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