This is bonus coverage from “The Mobile Banking Prize” in the upcoming May 2016 issue ofCredit Union Management magazine.What makes a credit union a member’s primary financial institution? Is it whether the member has a checking account with the CU? Not anymore. It’s whether the member makes regular, everyday payments through the institution. That means credit cards and debit cards, ACH transactions and, nowadays, it also means mobile payments.The role of mobile payments gatekeeper is critically important, says Paul Fiore, founder and CEO of CU Wallet, Los Angeles. That’s why Apple, Google, Facebook, and PayPal are trying to be in that position. He draws an analogy to third parties that book hotel rooms, but don’t themselves own the properties.“Maybe you’re on the United Airlines website,” he says. “You tell it what city you’re going to and what night you’re staying and, with one extra click, you could book a hotel. United earns the ancillary revenue from that, and the consumer gets the convenience of not having to log in somewhere else to get a car rental. That’s what we’re asking credit unions: Do you want to be in that position?”Credit unions don’t sell restaurant meals, groceries or gas, but they do have the ability to act as the intermediary in all those transactions if they offer a “wallet”-style point-of-sale payment feature. continue reading » 3SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr
View Gallery (2 Photos)There’s never been any question about sophomore goaltender Shane Connelly’s ability to hold down the net when senior Brian Elliott needs a break.But since Connelly got the start against Minnesota-Duluth last Saturday — in Elliott’s final regular season game — and notched his third shutout of the year, speculation is abound that Elliott may not be the guy now with the Badgers (15-17-4, 12-13-3 WCHA) in a do-or-die situation.Not so, said head coach Mike Eaves at his Monday press conference.”Brian is the man,” Eaves said. “We talked about Shane’s development — he’s followed the same path as Brian did his sophomore year.”Elliott knows what it’s like to be in Connelly’s position — as a sophomore, Elliott was the backup to All-American Bernd Brückler. That year, Elliott started game two of the 2004-05 WCHA opening round and lost to Alaska-Anchorage 2-1; Elliott also saw some ice time the previous night in UW’s game one victory.But it doesn’t appear Eaves will be employing the same system against Denver, at least not with a defending national champion goaltender and Hobey Baker finalist on his roster.”In college hockey, he’s as veteran as they get, going into this playoff for us,” Eaves said.”He’s been there, he’s won it, he’s dealt with the expectations and pressure of doing it again. He’s come back and done some very good things, so … he comes into this playoff at a pretty good spot for us.”Unless something happens physically to Brian, he’s going to be the man.”Road warriorsThe 2006-07 regular season schedule had the Badgers on the road for their last two series of the year.Wisconsin ran into some travel troubles due to weather, getting stranded in Houghton, Mich., two weekends ago and leaving for Duluth, Minn., one night early to beat the blizzard-like conditions.UW recovered from a disastrous series against Michigan Tech to take three out of four points from UMD, earning a 2-1-1 record on the road swing.”We handled a lot of adversity, and I think for the most part, the guys did a pretty good job,” Eaves said.In recent weeks, players have mandated their late road trip has built character for the team, and Eaves agreed it’ll come in handy now that Wisconsin won’t play another game this year at the Kohl Center.”This is just another week for us,” Eaves said. “We’re packing up the circus and taking it on the road again.”So close, yet so farTake a look at the WCHA standings without the top two teams and bottom three teams — just four points separate the five teams in between.The parody of the league showed this year, and the Badgers are well-aware their seventh seed going into the WCHA playoffs could very well have been a third seed.”I think that makes us take a look at our schedule and not getting any points in Michigan Tech when [captain] Andrew [Joudrey] got sick … and losing that game in overtime at CC,” Eaves said. “You talk about details, all of a sudden, we could be up in that upper half so easily, but unfortunately it didn’t shake out that way, and we can’t change that.”By the same token, Wisconsin isn’t that far behind the rest of the pack.For further perspective, No. 8 North Dakota has the third seed in the WCHA playoffs — and tallied just one more win (13) in conference play than the Badgers did.Eaves says the exodus of great WCHA players who leave school early for the professional ranks lumps all the teams together at the end of the season.”We talked about parody being something that has existed in the WCHA, now it’s in bold font, underlined, bull’s-eye on it,” Eaves said. “That’s why the league is the way it is.”
With just four games left to the end of the 2012/2013 CAL Bank two-tier Beach Soccer Leagues, teams and fans are no closer to knowing the title’s destination nor the confirmation of relegated Clubs in both the Championship and Division one.Week 15 is expected to provide more twists as crunch ties dominate this weekend’s fixtures at the La Beach Soccer Arena.Championship Leaders, Ada Assurance who picked maximum points from their last three games by the skin of their teeth know their title ambitions face a stern test when they play La based Wuo Gb33 who all but ended the title hopes of Havedji Mighty Warriors last week.Defending Cal bank beach soccer Champions, Keta Sunset Sports could hound into any slip by Leaders Ada, to make some grounds at the summit but must first deal with a determined Layoca side whose surge out of the relegation zone has been pretty consistent.Elsewhere, third placed Havedji Mighty Warriors may not be serious title contenders but will be very much interested in keeping their outside title hopes alive when they meet Dansoman United who despite brilliant performances are on disappointing three match losing streak.East Legon Sharks after their win on match day 14 could push harder to secure their championship status if they manage a win against Tegbi Youth who find themselves in same perilous circumstances. A much anticipated Accra derby would ensue between fifth placed Teshie United and struggling Nungua United in a game which is expected to capture the imaginations of fans at the Arena.Meanwhile in the division1 league, Gulf Powers would be keen on consolidating their top spot which is currently under serious threat by Tema United and Nima when they battle Golden Eagles.Tema United and Nima who are hot on the heels of leaders could further press the issue if they manage wins over rock bottom Osu Dolphins and Winneba Giants respectively.Cape Coast Warriors have their have top four spot to protect when they face Chorkor Blue Whales who seem to have run out of steam and are heading out of the division.The Impressive African Angels who have been enterprising in recent weeks have another opportunity to impress when they wrap up the weekend’s action against Senya Sharks.