financial wellness Archives - QCash Financial Digital Lending Platform

Money Matters: QCash Financial’s Year-Long Exploration of the 5 Pillars of Financial Health

Depending on whom you ask, gauging the financial health of America ranges from “Look at the stock market! It’s great!” all the way to “Well, um … define ‘financial health!’”. This is where many Americans are positioned on the topic of financial health and literacy. While it’s true that many older, college-educated, white, and higher-earning […]

Why Today’s Credit Unions Cannot Allow “Loss Aversion” to Hold Them Back from Small Dollar Lending Success

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It’s been said over the decades that credit unions (CUs), like many people, tend to operate more conservatively by nature; their tendency to focus on the losses that could occur rather than the opportunities that may bring about further financial successes for their organization. When it comes to small dollar lending (SDL) programs in this […]

Top 3 Resolutions for Credit Union Executives in 2020

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The New Year has arrived and credit union executives across the country have prepared new goals, strategies, and resolutions for continued growth in 2020 and beyond. Burgeoning and innovative tech has changed how CUs offer products and services, including the introduction of remote customer service via video conferencing for online customers. In 2020, the CU […]

CX, FinTech, and FinLit: Credit Union Trends To Look For In 2020

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There were some cliffhangers to end 2019 going into 2020 in the small dollar loan industry. From credit unions’ slow-but-steady cloud adoption strategies, fintech, and marketing automation. And who can forget the Consumer Financial Protection Bureau’s pending decision to rescind its own underwriting “ability-to-repay” requirement. Like any forward-thinking credit union leader or executive, you have […]

White Paper Preview: Helping Credit Unions Provide “Financial Wellness for Today” and Beyond

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It is a tall order for the poor or underbanked to participate in the mainstream banking system today. So many individuals are hesitant to engage when they’re convinced they’re unable to out-maneuver the overdraft penalties and banking fees they know are on their way. Concerns like those are why the poor and under-engaged fail to […]

How To Draw College Students To Your Credit Union

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So it’s clear Royal Credit Union gets it. Profiled in PYMNTS in early 2018, the Wisconsin-based credit union sets up a banquet table in the cafeterias at each of 17 elementary school locations and, with the assistance of fourth and fifth graders, offers financial services to fellow children and staff. These “school-site” credit unions provide […]

NCUA Steps Up for Consumers, Upgrades Limits on Credit Unions’ Small Dollar Loan (PAL II) Rules

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What a drama it’s been for small dollar lending (SDL) these last 40 years. From the late 1970s through the 1980s, a series of federal law developments resulting in banking deregulation gave rise to the predatory payday lending storefronts of the early 1990s through this 21st century. Predatory lending certainly took advantage in the early […]

5 American Populations Struggling with Financial Wellness

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We covered the stress effect on our overall health in our last blog post, but there’s a further point to be made about specific segments of American society who are affected most. A FINRA Foundation study revealed that despite the recovery from the financial crisis this last decade, particular populations continue to be worse off. These include...

The importance of promoting small dollar lending and employee wellness.

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In a recent Prudential survey regarding consumers’ perspectives on financial wellness, only 22 percent of individuals in the United States described themselves as feeling financially secure. Employers such as credit unions have a stake in this because the impact of employee financial instability does not stop at the company door. Many credit unions were and continue to be founded to serve groups of people who had a common interest or bond, such as an employer.

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Tag: financial wellness

Money Matters: QCash Financial’s Year-Long Exploration of the 5 Pillars of Financial Health

Why Today’s Credit Unions Cannot Allow “Loss Aversion” to Hold Them Back from Small Dollar Lending Success

Top 3 Resolutions for Credit Union Executives in 2020

CX, FinTech, and FinLit: Credit Union Trends To Look For In 2020

White Paper Preview: Helping Credit Unions Provide “Financial Wellness for Today” and Beyond

How To Draw College Students To Your Credit Union

NCUA Steps Up for Consumers, Upgrades Limits on Credit Unions’ Small Dollar Loan (PAL II) Rules

5 American Populations Struggling with Financial Wellness

The importance of promoting small dollar lending and employee wellness.

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