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September 22, 2025September 22, 2025Founder Spotlight, Innovator Spotlight

Lending in a Zero-Growth World: Competing for Volume in Shrinking Markets

Why the next era of lending won’t be about chasing growth—it’ll be about earning it smarter. For the first time ...

Why “owning the checking account” no longer means owning the member. For decades, credit unions organized their strategy around a ...

Why the future of credit unions will be built on connections, not capital. For most of their history, credit unions ...

Why talent strategy is becoming as critical as balance sheet strategy in the next decade. Talent used to be an ...

Why credit unions must rethink growth strategy when loan demand is no longer expanding. Credit unions have long relied ...

Why the industry’s cornerstone product is losing its grip—and what might take its place. For decades, the checking account has ...

Reexamining the cooperative promise in an era when every institution claims to put customers first. “People over profits” has been ...

Why defending member trust is getting more expensive—and harder to balance with cooperative economics. Cybersecurity is no longer just a ...

Why the next era of consolidation might be about collaboration, not absorption. For years, consolidation has been the default response ...

Why aging membership could become the most disruptive force in credit union strategy. Credit unions were built on intergenerational trust, ...

Why branches won’t disappear, but must reinvent themselves as advisory and community hubs. The Thesis Branches are not dead—but their ...

A decision framework for the PaaS era The rise of platform banking is forcing credit unions to confront a choice ...