Randy Ralston
Novel Products, Novel Risks
The financial industry is no stranger to risk. Risk produces YIELD, and it turns out that responsible risk maximizes margins. This ... is...
top of page
Search
Randy Ralston
- Aug 19
- 6 min
Digital Assets and the Future of Finance – A Case Study with St. Cloud Financial Credit Union
Digital assets are no longer the future; recently becoming an important voting bloc , they aren’t just here to stay, they may determine...
67 views0 comments
Randy Ralston
- Aug 12
- 2 min
Why We’re Betting Big on Innovation: A Challenge to the Credit Union Industry
Let’s cut to the chase: the credit union movement has reached a pivotal moment. The world around us is changing at breakneck speed, and...
56 views0 comments
Randy Ralston
- Dec 28, 2023
- 2 min
Data vs Dollars: Bridging TradFi & DeFi in the Era of Streaming Money
The financial landscape is rapidly evolving, ushering in the era of 'streaming money' and digital assets. With the advent of FedNow, the...
120 views0 comments
Randy Ralston
- May 30, 2023
- 2 min
Navigating the Complexities of a Core Conversion: 3 Key Ingredients to Success
When it comes to a core conversion, as with any complex change management event, your FI faces numerous challenges. Our many credit union...
78 views0 comments
Jess Fongemie
- Feb 24, 2023
- 3 min
Keeping you on the map in the evolution of money
As the competitive landscape shifts from traditional electronic transactions to modern digital engagement, and money merges with the...
53 views0 comments
Jess Fongemie
- Sep 16, 2022
- 4 min
Designing Digital Differentiation
“Blockchain technology is going to rewire all financial services.” [1] “The blockchain is the financial challenge of our time. It is...
73 views0 comments
Jess Fongemie
- Aug 12, 2022
- 4 min
Local FI’s ‘Trade Deadline’
If you’re a sports fan, you may know that Major League Baseball’s trade deadline just passed. Each season as the deadline approaches,...
50 views0 comments
Jess Fongemie
- Aug 4, 2022
- 4 min
Innovation doesn't sleep, and neither should your strategy!
While attention is diverted by the cost of cash at the Fed window, a truly existential threat remains closer to home. Peril is lurking at...
49 views0 comments
Jess Fongemie
- Jul 26, 2022
- 6 min
As the economy retrenches, will consumers’ expectations for innovation & digital services recede too
In a word: No! Alternative: ((Don’t hold your breath!)) or.. ((Not damn likely!) It’s no secret, our industry is being forced to innovate...
73 views0 comments
Jess Fongemie
- Jun 24, 2022
- 4 min
Strategy Protection- From Buzz Words to Bad**s Operations
When you invest in industry conferences, what do you expect in return? Education and Entertainment? Are you hoping to see the ‘latest and...
40 views0 comments
Jess Fongemie
- Jun 23, 2022
- 5 min
Remaining Relevant to the Core in the Revolution of Currency & Community
What do core data, core processing, your basic business operations, and your strategic plan have to do with digital currency and...
37 views0 comments
Jess Fongemie
- Jun 9, 2022
- 5 min
The Digital Revolution of Money has Arrived
“You’ve Got Mail.” Do you remember when electronic mail (email) became mainstream? In the 1990’s email was a novelty. Almost immediately,...
68 views0 comments
Jess Fongemie
- Mar 24, 2022
- 5 min
Capitalizing on Currency in your Community
Money is morphing and financial literacy now requires an increased understanding of the revolutionary, rapidly evolving terms and...
66 views0 comments
Jess Fongemie
- Jan 6, 2022
- 4 min
Metaverse—You’ve heard the word lately. What does it mean?
Is it just another tech buzzword? Marketing jargon? A new dimension of reality? Is metaverse relevant to community FIs? “The money...
64 views0 comments
Jess Fongemie
- Dec 14, 2021
- 4 min
Old Practice versus Next Practice
Relationship Building in the Digital Age As you’ve tuned into your favorite TV show, streaming service, or sports game recently, have you...
52 views0 comments
dalandcuso
- Nov 17, 2021
- 5 min
The Cryptocurrency Moment and Your Community FI
Is your community financial institution in the dollar business, or the money business? We’re curious, do you have a feverish case of...
37 views
Jess Fongemie
- Oct 27, 2021
- 3 min
Relevance Gets a Lift. How DaLand CUSO tackles complexity & community connection
As you look forward to strategic initiatives and operational changes for your organization in 2022, does it feel like you are coming off...
56 views0 comments
Jess Fongemie
- Sep 21, 2021
- 4 min
Modern Strategy Planning & the Relevance Equation
Thanks to companies like Amazon and Venmo, delightful, frictionless consumer experiences are well-known and well-loved. These Big-Tech...
84 views0 comments
Joel Morehouse
- Mar 21, 2021
- 2 min
Wabi-Sabi And Why Partnership Is More Critical Than Product
Greek philosopher Heraclitus famously said, “One cannot step in the same river twice.” One might say the same about the financial...
82 views0 comments
bottom of page