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August 6, 2018

This Week's News is Sponsored by Better Branches ~



General News


MeridianLink Adds New CU Clients

MeridianLink, a provider of a multi-channel loan and new account origination platform, added 18 new credit union clients during the second quarter of 2018. The company claims to already have 66 of the top 100 credit unions in the U.S. (by asset size) in its list of clients.



Narmi Releases Digital Account Opening Platform

Narmi announced its latest product - digital account opening. Narmi’s digital account opening platform gives CUs the ability to onboard new accounts, verify identities, instantly fund the accounts and present digital banking enrollment.



Trio of Credit Unions Partner with Happy Money Fintech

Three credit unions have signed on with Happy Money, a Costa Mesa, CA-based FinTech aimed at helping consumers pay down credit card debt. The three CUs are Alliant CU, First Tech FCU and Technology CU.





Hardware News


Best Ultraportable Laptops for Business

Gartner currently typifies ultraportables as devices with displays ranging between 7 and 13.9 inches and weighing less than 3lbs, but other definitions may vary slightly (Gartner also includes tablets and convertibles in its 'ultraportable' definition -- hence the 7-inch starting point). This article explores your ultraportable options and list some of the best.



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


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Software Updates


Microsoft Releases Previews of Exchange 2019, Other Office 2019 Servers

Among the new features in Exchange 2019, Microsoft called out its pairing with Windows Server Core, the minimalist installation that dispenses with tools and capabilities, including a graphical user interface, to reduce the attack surface as well as disk space. When finalized, on-premises Exchange 2019 will install on Windows Server 2016 Core, Windows Server 2019 Core or Windows Server 2016/2019 with Desktop Experience. However, Microsoft noted that the on-premise version can never match the functionality of what's delivered to Office 365 subscribers.



How to Back up Your Outlook PST Files

If you can't avoid PST files, you should at least set up a reliable way to back them up. Through Safe PST Backup from 4Team, you can set the backups to kick off automatically on a regular schedule; you can back up more than one PST file; and you can choose to back up the PST file on your network. And the backup will run and complete whether or not Outlook is open.



Blockchain Deployments to save FIs More than $27bn Annually by 2030

A new study from Juniper Research has found that blockchain deployments will enable FIs to realize savings on cross-border settlement transactions of more than $27 billion by the end of 2030, reducing costs by more than 11% per on-chain transaction. According to the research, The Future of Blockchain: Key Vertical Opportunities & Deployment Strategies 2018-2030, FIs that integrate blockchain will achieve cost reductions not just in payment processing and reconciliation, but in treasury operations and compliance.



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NanoTouch Offers Germ-Fighting Film for Touch Screens

NanoTouch Materials, a provider of self-cleaning surface products, says that they have developed a clear self-cleaning adhesive film that can be easily applied to touch screens. This film, the first clear material in the company's line, includes mineral nanocrystals, which are powered by light and generate an oxidation reaction stronger than bleach. The self-cleaning action works continuously to completely break down any organic contaminants deposited on the screen.



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:

Conexus 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!


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Wireless World


Apple Is Becoming a Formidable FinTech Company

Apple Pay transactions tripled from a year earlier, to more than 1 billion, which was more than Square and exceeded mobile transactions via PayPal. The worry for finance executives is that payments are just the beginning.



Mobile Pay Had a Great Week, but It Still Has 'Long Road' Ahead

Apple touted new numbers this week on the growth of its mobile payment schemes, saying that "tens of millions" of use it daily, and that over 1 billion transactions were completed in the June quarter. However, some analysts think that Apple is looking at nearly 10 years before mobile pay becomes mass market with consumers. For exampple, just 1% of in-store sales at retail in 2017 were completed with mobile pay, and that's up from three-fifths of a percent in 2016.



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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Security Section


Top 10 List of Dark Web Activities That Indicate a Breach

Research analysts at Terbium Labs released a list of the most common activities seen on the dark web that indicate a breach, or other unwanted incident, has taken place. They are (in no order): 1. Doxing of VIP; 2. Full PANs, BINs, payment cards for sale; 3. Guides for opening fraudulent accounts; 4. Proprietary source code; 5. Dump of a database; 6. Template to impersonate a customer account; 7. Connections between employees and illicit content; 8. W2s and tax-fraud documents; 9. Secure access and specialty passes; and 10. Inexpert dark web searching.



FireEye Brings Machine Learning to Endpoint Security with MalwareGuard

FireEye announced the addition of MalwareGuard – a new advanced machine learning based detection and prevention engine – to its Endpoint Security solution. MalwareGuard is designed to help detect and block cyber-threats including never-before-seen threats.



Move Over, ID Theft: Account Takeover Fraud Is Rising

Online fraud attacks jumped 13 percent last year as cybercriminals began to shift more of their focus from stealing a person’s identity to taking over their individual accounts--otherwise known as account takeover, or ATO, according to a recent report from Forter, an e-commerce fraud prevention company. Overall, the Forter report paints a picture of a fraud industry that is becoming more sophisticated and that is expanding its target vectors beyond the point of checkout to cover all the steps customers take when interacting with online businesses.



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Technology and Marketing


Do You Know the Difference Between Data Analytics and AI Machine Learning?

The author beleives that before marketers commit to and execute their AI strategy, they need to understand the opportunity and difference between data analytics, predictive analytics and AI machine learning.



Why You Should Incorporate Cat Videos into Your Marketing

While there are some experts who say using cute cats will cut your credibility, you have to look at the data: more than 2 million online cat videos have attracted an impressive 24.6 billion views. And with those types of numbers, organizations have to wonder how they can get a piece of that pie.



Can't Tell If Your Social Media Campaign Is Really Working? Here's What You Need to Know

According to a MDG report, only 20 percent of companies said they were able to determine the success of their social media campaigns while 44 percent could not determine social media's impact on their business. This article looks at some of the best ways to check effectiveness of social media drive.



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Online Banking/E-Commerce/Website Design


Do We Need PFM at All?

PFM (personal financial management) tools have come under fire because of their flawed and not so user-friendly features. Some suggest existing PFM systems could be saved with some serious upgrades. But the author offers what he considers to be some better solutions.



Millennials Not so Keen About Credit Cards

People age 29 and younger are 93 percent more likely to have a negative opinion of credit cards than people age 59 and older, according to new research from Wallet Hub. Asked whether rates or rewards make the best credit cards, 58 percent of baby boomers chose rates and 51 percent of millennials chose rewards.



Tandem App to Alert Users to Rising Bills

Tandem Bank is using an AI engine to alert users to sneaky rises in regularly recurring bill payments. The Tandem App tracks spending on regular monthly debits and then lets users know if the amount they’re being charged - whether for utility bills or magazine and entertainment subscriptions - has increased.



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Internet Access


Top Web Browsers 2018

Microsoft's and Mozilla's browsers fell to new lows in July as users continued to switch to Google's behemoth, Chrome, which again looks unstoppable. Using the average monthly change over the past 12 months, Computerworld now expects Chrome to reach 66.7% or more in December and make it to 70% by August 2019.



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Call Centers


How Blockchain Might Make Chatbots More Secure

According to a 2017 Grand View Research report, roughly 45 percent of consumers already prefer to address customer service concerns by bot and Oracle claims that by 2020, 80 percent of sales and marketing departments will be using bots. Just like websites, chatbots must be secure in multiple ways: Bot developers have to store data safely, guard their systems against hack, and make sure connections to the core messaging platform (such as Slack or Facebook Messenger) are secure. Now, two blockchain projects claim to prevent bot authentication issues before they start.



How to Create a Modern Contact Center Professional Learner's Toolkit

In this article, the author shares the tools in her "Modern Contact Center Professional Learners Toolkit," with links to the resources she uses in her pursuit of lifelong learning to positively impact training at her employer's contact centers.