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Cubus Solutions Newsletter: April 2018

Survey Says: Consumer Usage of P2P a Mixed Bag

P2P payments have been popular with certain consumer segments (Zelle has moved $75B since its launch) and completely unpopular with others. Most notably, 71% of consumers have NO experience with P2P payments, according to Total System Services’ latest annual survey of U.S. consumer payment habits, released last week. These findings are somewhat offset by growth in digital P2P reported by Aite Group and large banks that participate in the Zelle network, but even those findings illustrate lingering points of friction. One is security. In many cases, all that is required to initiate a cash transfer with a P2P mobile app is a login with a four-digit PIN. That means money can be in motion in less than a minute. The scary part is that P2P accounts are directly linked to checking accounts generally, and in an instant, a checking account can be emptied by a fraudster. There are federally mandated fraud protections for checking customers, but they are neither as easy nor immediate as the protection systems against credit card fraud. Another one is the fee. If the fees are high, it is obvious that many will refrain from doing P2P payments. It’s not a simple fix, but a solution which provides an additional layer of security along with low fees will be the one to succeed.

~John-Ashley Paul, President/CEO

Read the Survey

What We’re Reading

A credit union exclusively for millennials 
A super interesting read about how Austin-based First Millennial Credit Union created their concept, how they screen for membership and construct millennial-specific products.

Read the Article

Guide to cross-selling on Facebook
Frustrated with Facebook as it restricts more and more of your organic posts? An easy fix can be advertising to a custom audience, which allows you to determine who, specifically, will see your advertising messages, as opposed to picking people with certain interests. Check out this guide that shows you how.

Access the Guide

Did You Know

Our Knowledge Base is an excellent source of information. We have over 100 articles to help you. Please feel free to browse the subjects and contents. We would love your feedback. See below for just one example of an article that shows you how to add an attachment to an e-statement. To view all of the Knowledge Base articles go to 

See the Example


Are you planning to attend the Symitar SymEast conference April 10 – 11 in Baltimore? We’ll be at booth 34 in the exhibition hall with some fun giveaways and a chance to win a personal assistant device. Stop by and say hello, and if you tell us you read this in our newsletter, we’ll have something special for you!

Upcoming Webinars

Tuesday, April 24, 2018

Wednesday, May 2, 2018
Quick Pay

Thursday, May 3, 2018

Tuesday, May 22, 2018

Thursday, May 24, 2018

All webinars are held at 11am Pacific Time

Register Now

Contact Us


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© 2018 Cubus Solutions, Inc

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