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Debit growth trends key to credit unions’ future success

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first_img continue reading » ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr In a previous blog, “How COVID-19 Has Elevated the Role of Debit and Checking,” I shared my perspective on the stunning growth of debit cards and their underlying performance factors, and how checking is once again at the pinnacle of the account relationship. As we continue to see a rise in debit volume during the pandemic, the payments industry is projecting an equivalent transition of three to five years of growth for remote payment options, including online transactions, digital wallets, mobile adoption and others.While many of our Owner credit unions are seeing record debit growth, it is important to recognize that the growth differential between our top- and bottom-third credit union debit portfolios has expanded significantly as pandemic recovery continues. This is concerning, as it likely signals a challenge for some credit unions to capture the consumer transition to a digital-first payment environment.Based on the experience of PSCU’s Advisors Plus consulting team in the market, we’ve identified some areas of focus that credit unions should pursue now with respect to debit and checking: reinvigorating checking account growth; capitalizing on digital payments; leveraging contactless opportunities; and managing checking account connectivity.last_img read more

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Pension fund for Danish teachers returns 2.1% after turbulent year

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first_imgIt said this was particularly the case for foreign shares, including emerging markets equities, high-yield bonds and timber land.The investment portfolio’s rate of return amounted to 1.2%, compared with an expected long-term rate of 5.2%, according to the investment strategy, the pension fund said.Total group assets grew to DKK88.1bn at the end of December 2015 from DKK82.0bn 12 months before, and solvency coverage rose to 316% from 311%.Contributions rose to DKK4.8bn in 2015 from DKK4.5bn the year before.The interest rate paid on pension savings (depotrente) after pensions tax rose to 5.5% from 3.75%.Lærernes said its supervisory board had approved its investment strategy for 2016 to 2020 in December.The new strategic investment portfolio had an expected return of 5.2% before tax and a risk level of around 23%, measured against a confidence level of 99.5%.It explained this meant that, statistically, there was only a 0.5% probability the investment portfolio would suffer an unexpected loss of more than 23% in the course of a year.Lærernes said the new investment strategy meant the pension fund would increase the proportion of its investments in alternative asset classes over the next few years, including property, private equities, forestry and infrastructure.To ensure costs are kept low, it outsourced a large part of its portfolio management to external managers. Lærernes Pension, the Danish pension fund for teachers, reported a 2.1% return on investments last year, down from the 12.6% produced in 2014, with most asset classes performing more weakly than expected, according to the fund’s annual report.In absolute terms, the investment return fell to DKK1.4bn (€188m) in 2015 from DKK7.2bn in 2014.The pension fund said 2015 had been marked by big swings on the financial markets.In the report, the labour-market scheme said: “Lærernes Pension achieved a very high return on its holdings of Danish equities and on its real estate investments. But returns on the majority of other asset classes were more modest and lower than expected.”last_img read more

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Reggae Boyz Boost Chances for Qatar World Cup

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first_imgKINGSTON, Jamaica – Jamaica’s Reggae Boyz served up a much-improved performance by slamming Aruba 6-0 in their CONCACAF Nations League Group C return-round encounter at Stadion Ergilio Hato in Curacao on Tuesday night.That result followed an unconvincing 2-0 win by the 1998 FIFA World Cup qualifiers at their home base at Kingston’s National Stadium three days earlier over a nation ranked closer to 200 on FIFA Coca-Cola list.Despite taking an early 13th-minute lead on a strike from Devon Williams, his first for Jamaica, the Boyz struggled to break down a solid and disciplined Aruban outfit which relied solely on counter-attacks.Shamar Nicholson missed a chance to add to the lead on 77 minutes when he blasted a penalty kick wildly over the crossbar, but he made amends two minutes from full time when he made the game safe with a cute finish.Aruban captain and goalkeeper Eric Abdul had promised much of the same for the return game, being played in Curacao instead of Aruba, as their home field was not approved by FIFA.According to Abdul, Aruba was the underdog and it was their plan to make the game as difficult as possible for the more established Jamaican team, so they weren’t going to play an open attacking game and make it easy for the better team.But Jamaica’s head coach Theodore Whitmore had other ideas and he employed a more attacking formation, employing a 4-1-4-1 system instead of the 4-2-3-1 he used on Saturday. In essence, what he did was to withdraw one of his two defensive midfielders for a more attacking midfielder to guarantee more numbers in Aruba’s final third of the field.Whitmore also tested the depth of his squad by making six changes to the starting team, and he was vindicated with a more fluent display which resulted in goals and much-needed confidence boost for a number of players, as four of them—Chavany Willis, Maalique Foster, schoolboy Lamar Walker, and Junior Flemmings—scored their maiden goals for Jamaica. In fact, Foster had a double to add to another by Nicholson. Jamaica led 4-0 at the half-time break and added two within eight minutes of the restart.The result left Jamaica firmly on top of the group of four teams with maximum 12 points, with 18 unanswered goals, followed by Guyana and Antigua and Barbuda with six points, and Aruba rooted at the foot of the table without a point. All teams have played four games.Jamaica needs just one point to guarantee top spot from the remaining two games, and automatic qualification to the next CONCACAF Gold Cup Tournament.The Jamaicans have also further cemented their place in the top six of CONCACAF ranking, which would secure them a place in the hexagonal of the FIFA World Cup Qualifiers, a significant boost to their chances for the 2022 Qatar World Cup Finals.So when all is said and done, Whitmore and his technical staff are making progress with this Reggae Boyz squad, and they are doing it without a lot of fanfare.Whitmore is fully aware of the necessity to have a team with flexibility where different combinations can be employed, and so he thought Tuesday’s contest was as good as any to experiment and it paid off in the end with both the performance and the result.Substitute goalkeeper Amal Knight was given a chance between the sticks and though never tested often, was alert when he needed to be, while the top five attacking players played together for the first time and the level of chemistry displayed was admirable.It was also refreshing to see the introduction of Clarendon College schoolboy star Lamar Walker in only his second game, dictating proceedings from midfield.The little player was energetic, thoughtful, cheeky, and confident, and his teammates gifted him with the ball whenever he presented himself, which was often.And the fact that he notched a decent goal, bursting forward on a counter-attack and displaying the composure of a seasoned player to glide past the advancing Abdul in goal before slotting into an empty net, speaks volumes for his potential for what lays ahead if he is able to keep grounded and properly counseled.But experience has taught us that as a people we always find a way to disrupt a good thing, and it is the hope that the players and the local governing body, the Jamaica Football Federation, will continue to enjoy a good relationship. Whitmore has done a good job trying his best to keep the players focused on the field—while being as accommodating as possible with the “off the field” issues, as they keep their eyes on the big picture of World Cup qualification.last_img read more

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Tim Tebow told top NFL, MLB prospect Kyler Murray to ‘follow his heart’

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first_img Kyler Murray’s NFL decision ‘made sense,’ Oklahoma coach Lincoln Riley says Kyler Murray received sound advice from another two-sport athlete before making the decision to focus on the NFL instead of MLB.Tim Tebow, the 2007 Heisman Trophy winner, told Murray he should follow his heart when deciding between a baseball career that would start with the Athletics or preparing for the NFL draft. NFL Draft 2019: Opening odds favor Dolphins taking Kyler Murray “You know what? Don’t do it for your agents, or your friends and sometimes necessarily even your family. Do it for what’s on your heart, and don’t let other people define you. You’re going to have all these coaches that you look up to and everybody else that’s going to tell you what they think, but what’s most important is following your heart and your passion. And so, I don’t know, hopefully, he did that.”From one dual-sport player to another, Tim Tebow told Kyler Murray to follow his heart regarding Murray’s decision to become an NFL quarterback. pic.twitter.com/qkynrk0BSU— Deesha Thosar (@DeeshaThosar) February 16, 2019After last year’s baseball draft, Murray agreed to a minor league contract with Oakland that had a $4.66 million signing bonus attached. The deal allowed Murray to receive $1.5 million after approval last summer by the league and $3.16 million on March 1 — he now must return a portion of the money he received ($1,285,714).Murray, who was the talk of both leagues before making a decision earlier in the week, had 54 total touchdowns and only seven interceptions as the Sooners starter last season. He is ranked as the No. 2 quarterback in this class by ESPN draft experts Mel Kiper Jr. and Todd McShay.center_img Murray, who won the Heisman last year during his only season as Oklahoma’s starting quarterback, announced Monday he was fully committing to football despite being selected ninth overall in the 2018 amateur baseball draft.”Kyler, I think he’s a really good young man, and I think this was a really tough decision for him,” Tebow told reporters Saturday when he arrived at Mets’ spring training. “He loves two sports, and I can really relate to that. And he went with something that he’s been really good at lately and dominating in. When we talked about it, and we did talk about that, I just gave him the advice to follow your heart. Whatever you’re passionate about. Related News “Football has been my love and passion my entire life. I was raised to play QB, and I very much look forward to dedicating 100 percent of myself to being the best QB possible and winning NFL championships,” Murray wrote in a statement posted on Twitter. Tebow, a former NFL quarterback, is now an outfielder in New York’s system. He spent time with the Broncos, Jets, Patriots and Eagles before pursuing baseball full time in 2016.last_img read more

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