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Cubus Solutions Newsletter: June 2015


It's Apple's World

First it was the Mac. Then the iPod. Then the iPhone, the iPad. Disrupted our world did they. For the better, of course. Then came Apple Pay. Really turned the nascent but fractious world of mobile payments on its head. (Google’s had to scramble to respond with Android Pay). Now the Apple Watch. For the skeptics it’s just a wearable iPhone. For the Swiss watchmakers, it could be the beginning of the end. Only time will tell!

How does this advance mobile banking? We can upgrade to biometric authentication on iPhones. We can get alerts and check balances on phones and watches without logging in. We can integrate Apple Pay into mobile banking to manage cards, make loan payments, pay “skip” fees, and make P2P payments. Of course, what works for Apple must also work for Google. After all, it’s also Google’s world.

What does all this  mean for you? A leveling of the playing field. You can continue to compete by offering cutting edge solutions to members at affordable prices. Sometimes duopolies work.

It’s their world. Let’s play in it.

~John-Ashley Paul, President/CEO

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Deer Valley Choose Cubus One

Phoenix-based Deer Valley Credit Union is the latest to go live with Cubus One. The credit union has just started to roll out Cubus One to its over 15,000 members, and has gotten overwhelmingly positive feedback from the members who have switched.

Press Release

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Digital Marketing Tactics to Increase Mortgages

According to Ellie Mae, loan origination costs are continuing to increase putting pressure on marketers and lenders to find better ways to acquire and process loans more efficiently. One way to keep costs down and boost the firepower of your lending campaign is to invest more in digital marketing. Digital channels allow marketers to pinpoint their targets and increase shopper convenience while measuring concrete monetary returns. Here are a few observations from the Financial Brand on digital tactics you should consider when structuring your mortgage marketing strategy.

Financial Brand Article

What We're Reading

25 Percent of FI Customers Claim to be Mobile First - “The Rise of the Mobile First Consumer – and What that Means for Banking,” released by Javelin Strategy and Research revealed that as a result of the adoption of smartphones and tablets, almost one in every four primary bank customers currently claim to be “mobile first,” that is, they primarily use a mobile device to access their checking account. This represents a shift of almost 53 million consumers in just four years. Read a wrap-up of the report on Credit Union Times or the press release from Javelin.
Credit Union Times Report   Javelin Press Release

Did You Know?

Targeted Marketing Messages in your Cubus Notifications- Within Cubus Alerts, Statements and Letters you can group your members into 10 groups, each with 10 available marketing messages. These messages can then be embedded into your notifications and documents. This can be setup by the credit union in your CUNotify Administration. Visit our help documents to learn more. If you still have questions, please contact us.

Help Documentation

Upcoming Webinars

Wed., 6/10 Introduction to Cubus
Wed., 6/17 Cubus One Online and Mobile Banking (UD)
Thurs., 6/18 Cubus Transfers (UD and DNA)

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