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 Your source for the latest technology information of interest to credit unions across America.

Subscribe to our weekly e-mail newsletter and/or our monthly newsletter and stay on top of the latest technology trends in Hardware, Software, ATMs, Biometrics, Wireless, Online Banking, Marketing, Security, Internet Access and Call Centers.

March 30, 2015

~ This Week's News is Sponsored by Better Branches ~


General News  

* Corelation Adds 7 CUs in 2015
* Symitar Introduces SymAdvisor
* CUSN & Platte River Networks Partner
* CSI Adds Cybersecurity Risk Assessment Service

Corelation has signed seven credit unions and has converted three previously signed clients to its open architecture system, KeyStone, in the first three months of 2015. Signed CUs include: Sidney FCU; Chula Vista City Employees FCU; Bellwether Community CU; First Service CU; PennEast Federal CU; NW Preferred FCU; and Riverfront FCU.

Jack Henry & Associates, a leading provider of technology solutions and payment processing services, announced that its Symitar division has introduced SymAdvisor. This is a consultancy service that provides on-site consultants to help credit union managers develop a strategy to most effectively utilize their Symitar systems, complementary Jack Henry solutions, and integrated third-party vendor products.

CUSN (CU Service Network), a leading provider of products and services to credit unions, has partnered with Platte River Networks, a top technology consulting and management company. Platte River Networks was recently named one of Colorado`s Top 250 Private Companies by ColoradoBiz Magazine and will provide Disaster Recovery, 24x7 Monitoring and Maintenance and other IT & Help Desk Support services to credit unions.

Computer Services, a provider of financial technology solutions, has introduced its Cybersecurity Risk Assessment service as its newest regulatory compliance offering. CSI`s Cybersecurity Risk Assessment is designed to help a credit unions gauge the level of risk associated with its cyber presence, identify and evaluate existing cybersecurity controls and evaluate the need for additional security measures.



Credit Union InfoSecurity Conference Sponsored by
imsmartin consulting

 The 13th annual CU InfoSecurity Conference will be held June 3 - 5, 2015 in Las Vegas.

This is a one-of-a-kind conference - a security conference dedicated solely to credit unions. Highly experienced, expert speakers discuss the latest security trends as they specifically apply to credit unions. Also included is a virtual tour of F&A Federal Credit Union and a presentation by Alloya Corporate FCU. The CU InfoSecurity Conference is the only conference in the credit union movement that includes two nights lodging in a deluxe room as part of the already incredibly low price: just $595 per attendee and $495 for returning attendees. Topics include:

* Ransomware
* Securing VMs
* Cloud Security
* Breach Prevention
* Pervasive Security
* Device Configuration
* Compliant Social Media
* Transparent Encryption
* CU Virtual Security Tour
* Securing Virtual Branches
* Network Security Strategies

* Account Takeover Prevention

* Intelligence Driven Cyber Security

Click Here for information, agenda, reservations & more.

Also includes a behind-the-scenes tour of Zappos Headquarters - don't miss it!



Hardware News

Intel and Micron will ship flash memory chips this year with 256 gigabit and 384 gigabit capacities. A tiny 16-chip package can hold 768GB. The chip giant said that the new chips could mean a 3.5TB flash drive for PCs that is the size of a stick of gum. Meanwhile IBM is working on an alternative to flash memory called phase change memory (PCM), and Crossbar is developing storage chips with their technology called resistive RAM (RRAM).

Allworx Connect is offering a new family of VoIP communication systems designed for smaller organizations. The Connect series boasts faster processing power, enhanced Codec support, native Gigabit Ethernet interfaces and improved mobile connectivity. Pricing ranges from $1230 for the smallest unit to $3250 for the largest unit. 


Hardware Section Sponsored by
Millennial Vision, Inc. (MVi)


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Software Updates

Condusiv Technology's Diskeeper 15 Server softwre is designed to be deployed across a physical server environment to prevent fragmentation from occurring at the logical disk layer. The company says that it can boost the performance of hybrid or all-flash arrays. Diskeeper 15 is not compatible with virtualized environments, and only works with physical servers connected to SAN storage appliances. Diskeeper 15 is available for $399.95 per server.

Microsoft just announced Windows Hello which will allow users of the upcoming Windows 10 operating system to sign in to their devices using their fingerprint, their face or the iris of their eye. The software giant will rely on Intel's RealSense 3D camera to scan a person's face or iris and unlock their device. RealSense is a depth-sensing technology that uses infrared cameras to track the location and position of objects in space. Microsoft is expected to release Windows 10 later this year.



Software Updates Sponsored by
Raddon Financial Group (RFG)

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Scam artists are increasingly turning to placing their card readers inside the door locks that require you to dip your card before you can enter an ATM vestibule. This is easier to configure than trying to attach card skimmers to ATMs themselves. They record the card data via the reader as a person enters and then match it up with a PIN, which they read via a carefully planted tiny spy camera above the ATM. Of course, covering your hand while you type in your PIN with thwart these scams, but Brian Krebs is also reporting that "these door security devices aren`t too smart, and most of them will happily accept just about any card with a magnetic stripe. But don`t take my word for it: Next time you pass one of these ATM vestibules on the street, whip out your library card or ID card and see for yourself."

Fiserv announced the completion of its first tokenized transactions via its Accel debit payments network. Tokenization replaces the traditional payment card account number with a unique string of digital numbers, or token. Because tokens replace PANs, sensitive account information is never shared, thereby providing an additional level of security for debit purchases.


ATMs/Kiosks Sponsored by
Heritage Industries

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CU Success Stories  


Here is a chance to learn about real life credit union success stories from various technology vendors through the words of their clients. This week's vendor is:  




and their client is:

Technology Credit Union

Credit Unions - if you have a vendor that you are happy with then please This email address is being protected from spambots. You need JavaScript enabled to view it.!

Vendors - if you have a credit union that is happy with your solutions then please This email address is being protected from spambots. You need JavaScript enabled to view it. and we will give you a $100 discount on your Case Study!


Wireless World Sponsored by
Member Access Pacific (MAP)



The MAP App™ is the first network-branded prepaid card exclusively serving credit unions to offer mobile banking -
contact us now to learn more about this market-leading innovation for credit unions:

(866) 598 - 0698

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Wireless World

According to Fiserv estimates, mobile-only users make up about 15 percent of a typical financial institutions` mobile banking user base. Although the segment is small, it is growing, and it makes up an integral part of the mobile banking population. And while mobile-only users tend to be younger, they cross generations and socio-economic segments. The company notes that functions that are important to mobile-only users include device-based enrollment, using the camera to capture information, and the ability to communicate digitally with financial institution staff, such as through live chat.

FIS is now providing biometric access to its Mobile Banking application via Apple`s TouchID. With this update, the company says that users will have fingerprint access to its Cardless Cash ATM application and that this now makes account balances and access to cash only one touch away for users.

The Board of Governors of the Federal Reserve System just released its fourth annual report on mobile banking. In it they note that mobile banking usage continues to advance in the US, with fully 39% of adults “with mobile phones and bank accounts” using mobile banking, up from 33%. When it comes to mobile payments, here are most common use cases identified in the study:

* Paid bills online through a mobile web browser or app – 19%

* Made an online or in-app purchase – 16%

* Paid for a product or service at a store – 11%

* Transferred money directly to another person`s account within the US – 10%

* Received money from another person`s account - 9%

* Used an app to receive loyalty or reward points – 9%

* Paid for parking, a taxi, or public transit using an app – 5%

* Made a payment using a text message – 3%

* Send a remittance outside the US – 3%


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Security Section

Secuia's "2015 Vulnerability Review" found that there were 15,435 vulnerabilities across 3,870 applications in 2014 which represents an 18 percent increase in vulnerabilities compared to the year before. Last year, 1,035 vulnerabilities - a 42% increase over 2013 - were found in the top five browsers: Google Chrome, Mozilla Firefox, Internet Explorer, Opera, and Safari. The Non-Microsoft applications account for 31 percent of all the products but are responsible for 77 percent of the vulnerabilities discovered in the "Top 50 Portfolio applications" installed on private computers. Secunia's information is culled from millions of computers around the world.

Red Canary offers a cloud-based endpoint detection and response service that is monitored by a team of security analysts. The startup says that their service takes data gathered from customer endpoints, analyzes it and delivers alerts to customers so they can take steps to block attacks. While the service uses its own behavioral analysis, code analysis, and base-lining tools, it relies on Bit9+CarbonBlack for endpoint sensors. the service runs $80-$120 per endpoint depending on the size of the organization.


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Leaders Roundtable


Meeting the Challenges of Attacks, Breaches & Compliance

Alloya Corporate FCU -
Read Biff Myre's and Ron Schlecht's comments:

CatchFire Creative -
Read Drew Schulthess' comments:

D+H -
Read Jeff Marshall's comments:

Easy Solutions -
Read Daniel Ingevaldson's comments:

eScope Solutions -
Read Dean Marshall's comments:

Horsetail Technologies -
Read Mark Berman's comments:
HyTrust -
Read Hemma Prafullchandra's comments:
IMM -  
Read John A. Levy's comments:

Info@Risk -
Read David Trepp's comments: email address is being protected from spambots. You need JavaScript enabled to view it.

Ingalls Information Security -
Read Russell “Rusty” Wilson's comments:

KnowBe4 -
Read Stu Sjouwerman's comments:

Millennial Vision -
Read Scott Cowan's comments:

Hyland Software -
Read Steve Comer's comments:

PhishLabs -
Read Stacy Shelley's comments:

Q2 -
Read Jay McLaughlin's comments:

Rallypoint Solutions -
Read Kris Zupan's comments:

SilverSky -
Read Andrew Jaquith's comments:

Xamin -
Read Erik Gustafson's comments:


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Technology and Marketing

By some estimates, over 50 percent of emails are opened on mobile devices. That is why it is so important to make sure that your marketing emails render correctly across all devices. One solution is to use a tool like Litmus that allows you to see how your mailer looks across all platforms, so that you can ahjust the code accordingly if there are any issues. It will also help you make sure that the email template or campaign manager that you use is mobile friendly.


Technology & Marketing Sponsored by
Bluepoint Solutions


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Online Banking/E-Commerce/Website Design

According to a recent survey by Synergistics Research, Internet households report paying a mean of 13.3 bills in a typical month (median = 8.0). The average number of bills paid monthly is higher among 18- to 34-year-olds and increases with household income. In the study, bill payment accounted for 37 percent of monthly bills paid, while checks comprised 22 percent of volume, followed by auto-pay at 10 percent.

In a related story, Google is working on project that will allow consumers to receive and pay bills directly inside Gmail. The project, currently dubbed Pony Express, is scheduled to start in the fourth quarter. At this early stage, it is not clear whether Google would generate any revenue directly from the Pony Express service, but some observers are pointing out that this type of financial data could be a gateway into more banking services such as lending. Plus, the data could be used to refine how advertisements are targeted to individuals on Google, YouTube and partnering sites. Finally, Pony Express also allows users to share a bill with another Gmail user, with the added option of automating the process.



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Internet Access

Comcast Business announced the availability of Comcast Business SIP trunks throughout its entire service area, which covers 39 states. SIP Trunking complements Comcast`s full voice portfolio, including cloud-based hosted PBX, PRI trunks and Business Voice. With SIP Trunks added to its voice portfolio, Comcast Business Trunk Services now support TDM or IP PBXs, along with other UC features.

According to the federal government's Digital Analytics Program, Google Chrome is the most popular web browser with 34.7 percent of all visitors to 37 feddral websites. Internet Explorer (IE), with 28.3 percent, is in second place. Somewhat surprisingly, Apple's Safari took third place with 20.3 percent. Firefox came in fourth with 11 percent.


Internet Access Sponsored by
Ongoing Operations


Ongoing Operations - The Credit Union Movement's Top BCP & Technology (Cloud) Provider

Always-On Production Connectivity typically includes:

* Internet Connectivity

* Core System Connectivity

* Credit Union Connectivity

* Credit Card Processor

* Debit Card Processor

* ATM Processor

* Online Banking Provider

* Fedline / Federal Reserve Connectivity

* Enterprise Grade Firewall

* Intrusion Detection System


Contact us today:

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visit our blog for the latest BC/DR news:


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Call Centers

Avaya announced a contact center cloud-based solution targeting mid-sized contac centers to deliver Avaya`s IP Office customer engagement technology via a subscription service powered by Google Cloud Platform. The service includes a subscription-based license and the Customer Engagement OnAvaya software. According to Frost and Sullivan, the cloud contact center market is growing at almost twice the rate of premises-based contact center systems (11.6-percent versus 6.1-percent).