Credit union Kaizen

first_img 19SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Scott Cowan Over the past 25 years, Mr. Cowan has held Executive Technical Sales and Management positions with several Fortune 500 companies including: Fiserv, Qwest Communications and Nokia Internet Communications, Network Security … Web: Details In the 1950’s a scientist by the name of W. Edwards Deming worked in Japan helping the country’s post war industry get back on track. In the 80’s a business model called Kaizen was introduced in Japan that would bring continual improvement to quality and consistency across many of the country’s industries making them a well-respected exporter.These pioneering works to improve production, process, and quality levels – especially in areas of manufacturing – would also be adapted worldwide and taught in many U.S. business schools.So what does this have to do with credit unions and technology?Simple, technology and industry changes so rapidly now that it requires continual learning, investment, and focus to simply keep up. But the real question is this: Are you keeping up?Maintaining viable technology practices requires a commitment from the top down including: allocating necessary funds, having a culture of continual learning, and a willingness to evaluate and where to implement newer technologies.I recently spoke with a colleague who sits on many of the financial banking committees and was saddened to learn that we are losing approximately one credit union per day to mergers and consolidation. I was also shocked to hear him say that the same scenario was holding true for the community banks. This scenario means operations are more closely aligning with them and we know what that eventuality means – more regulatory scrutiny and consistent rules and standards for both.Looking down the road in 10 years, I see that business will be more globally centered. Continued migration toward mobile or next-gen financial services is expected and younger millennials will push for ease of use and tech-based financial services.You may disagree with my assessment, but as a society technology continues to change and evolve so quickly that we are forced to keep pace or we end up behind the curve, as well.A good example of this assessment is that I have two college age children who rarely visit their credit union branch. They prefer, instead, to use debit cards, direct deposit, and third party apps to transfer funds to friends for splitting dinners, chipping in for gas, etc.This was driven home to me the other day when my daughter asked me to help her set up direct deposit for her employer. She was concerned because when she opened up her draft account, she did not ask for nor receive any checks. She was now required to supply a voided check to complete the process.Simply put, their financial lives are out in cyberspace.Another example was with my son. This past summer we bought a new vehicle for him to attend college and get to his after school employment.The entire loan process was handled online and through email including the application, signing papers, and money transfer to the dealer. No need to set foot in the branch; we just handled everything via a remote channel. Surprisingly, start to finish was probably in the range of 15 minutes or less and kudos to my credit union for this awesome experience!Now, back to the idea of continual process improvement. How do credit unions ensure they are future proofing their business?Invest both time and money in good people who share a mindset of continual self-improvement and provide them with ongoing learning opportunities via CPE courses, attendance at vendor conferences, and PKI’s related to their specific job functions.Make a concerted effort to put a realistic tech refresh program in place, which means keeping depreciation times to around 36 months. Yes it hurts, but not keeping up is more costly in the long run rather than saving a few dollars in monthly expense. (Remember Darwin and survival of the fittest?)Create a SWOT (Strengths, Weaknesses, Opportunities, and Threats) team that will continually be on the lookout for ways to improve business processes by automating routine tasks and monitoring industry trends so you are not caught off guard by market changes.Invest wisely in technology. Be very careful with complacency in this area but also balance it against being first in line, as well.Adopt an attitude of best of breed. A Swiss army knife is a great thing for MacGyver, but in the real world the right tool for the job is always the best – and, yes, it will be a bit more costly and require more effort. Not doing so may be the difference between thriving and hanging on, however.Choose business partners that can help you get where you want to be. This choice touches on the best of breed concept. In reality, if you have good partners, they can provide an exponential amount of help so you can achieve your goals because their survival in a shrinking market place is also predicated on your success with their solutions.Set goals that will stretch your abilities but make sure they are obtainable. Obviously, trying to accomplish too many projects at one time will not get you the results you need. Prioritizing, focusing, and executing on a realistic number of them will.Hire or assign a trained and dedicated project manager on your more complex projects. The greatest successes I have seen working with large and small organizations alike was their ability to have someone focused on task. Additionally, support from the management team and access to the resources both internal and external are essential to successfully accomplish project goals.Budget, budget, budget with time, money, resources, etc. Failure to properly plan and budget is probably the greatest threat to a successful project outcome.Make it a winning proposition for all stakeholders internal, external, and for your members, as well. Everyone involved must have a clear idea of expectation and outcome, and a positive buy in to the project.I am sure there are many things that could also be added to any of these discussion points. But the reality is unless we are like W. Edwards Deming or adopt an attitude of Kaizen’s continual improvement, we are going to be left behind.last_img read more

IMCA Speedway Motors Weekly Racing National Point Standings Through June 5

first_imgIMCA Xtreme Motor Sports Modifieds – 1. Keith White, Little River Academy, Texas, 1,018; 2. Ryan Roath, Phoenix, Ariz., 965; 3. Glen Hibbard, Euless, Texas, 945; 4. Dean Abbey, Waco, Texas, 931; 5. Ronnie Welborn, Princeton, Texas, 904; 6. William Gould, Calera, Okla., 885; 7. Kyle Wilson, Monterey, Calif., 878; 8. Alexander Wilson, Salinas, Calif., 864; 9. Brian Schultz, Casa Grande, Ariz., 834; 10. Ben Ketteman, Pflugerville, Texas, 808; 11. Joe Spillman, Marble Falls, Texas, 800; 12. Zane DeVilbiss, Farmington, N.M., 770; 13. Chris Abelson, Sioux City, Iowa, 768; 14. Tim Ward, Gilbert, Ariz., 766; 15. Tommy Fain, Abilene, Texas, 760; 16. Jesse Sobbing, Glenwood, Iowa, 755; 17. Mike Jergens, Plover, Iowa, and Jeff Streeter, Madera, Calif., both 742; 19. Clay Sellard, Ellis, Kan., 738; 20. Ricky Thornton Jr., Chandler, Ariz., 730. IMCA Late Models – 1. Todd Cooney, Des Moines, Iowa, 656; 2. Curt Schroeder, Ames, Iowa, 528; 3. Curtis Glover, Des Moines, Iowa, 508; 4. Darrel DeFrance, Marshalltown, Iowa, 463; 5. Jason Hahne, Webster City, Iowa, 439; 6. Ryan Griffith, Webster City, Iowa, 410; 7. Nick Marolf, Moscow, Iowa, 382; 8. Justin L. Kay, Wheatland, Iowa, 379; 9. Colby Springsteen, Wapello, Iowa, 357; 10. Jeremy Grady, Story City, Iowa, 343; 11. Craig Jacobs, Urbandale, Iowa, 327; 12. Ben Nading, Ankeny, Iowa, 317; 13. Todd Malmstrom, Silvis, Ill., and Jerry King, Waterloo, Iowa, both 305; 15. Matt Ryan, Davenport, Iowa, 283; 16. Travis Denning, Sterling, Ill., 281; 17. Nate Beusel­ing, Silvis, Ill., 275; 18. Paul Conrad, Colo, Iowa, 272; 19. Andy Eckrich, Oxford, Iowa, 268; 20. Ronald Klein, Sherrill, Iowa, 260.IMCA Eagle Motorsports RaceSaver Sprint Cars – 1. Jeb Sessums, Burleson, Texas, 643; 2. Chase Brewer, Springtown, Texas, 619; 3. Kyle Jones, Kennedale, Texas, 602; 4. Dustin Woods, Forney, Texas, 557; 5. Marcus Thomas, Corsicana, Texas, 539; 6. John Ricketts, Burleson, Texas, 432; 7. Mark Klis, Waxahachie, Texas, 415; 8. George White, Fort Worth, Texas, 381; 9. Chad Wilson, North Richland Hills, Texas, 380; 10. Tony Dowd, Mansfield, Texas, 377; 11. Clint Benson, Papillion, Neb., 373; 12. Ryan Hall, Midlothian, Texas, 372; 13. Justin Fifield, Mesquite, Texas, 369; 14. Logan Scherb, Paradise, Texas, 328; 15. D.J. Estes Jr., Mansfield, Texas, 306; 16. Colby Estes, Mansfield, Texas, 290; 17. Herbert R. Wood, Kennedale, Texas, 253; 18. Tyler Russell, Abbott, Texas, 247; 19. Matt Moro, Polk City, Iowa, 226; 20. Justin Melton, Flower Mound, Texas, 222. IMCA Sunoco Stock Cars – 1. Matt Guillaume, Haslet, Texas, 963; 2. Kirk Martin, Weatherford, Texas, 921; 3. Colby Deming, Hobbs, N.M., 854; 4. Michael W. Nichols, Harlan, Iowa, 834; 5. Dennis Bissonnette, Stephenville, Texas, 828; 6. Jay Schmidt Jr., Tama, Iowa, 788; 7. Derek Green, Granada, Minn., 769; 8. Jason Batt, Harker Heights, Texas, 763; 9. James Lynch, Donnell­son, Iowa, 749; 10. Donavon Smith, Lake City, Iowa, 739; 11. Michael Sheen, Lamesa, Texas, 723; 12. Gabe Tucker, Carbon, Texas, 717; 13. Kyle Clough, Wallace, Neb., 710; 14. Jeff Bauser, Belton, Texas, 695; 15. Nick Tubbs, Colby, Kan., 689; 16. Brian Blessington, Breda, Iowa, 674; 17. Colin Deming, Hobbs, N.M., 673; 18. Kevin Opheim, Mason City, Iowa, 659; 19. Devin Smith, Lake City, Iowa, 639; 20. Aaron Corley, Meadow, Texas, 617. IMCA Sunoco Hobby Stocks – 1. April Phillips, Abilene, Texas, 983; 2. Eric Stanton, Carlisle, Iowa, 853; 3. Brandon Nielsen, Spencer, Iowa, 816; 4. Adam Armstrong, Beatrice, Neb., 754; 5. Jerrad Steele, Andrews, Texas, 739; 6. Shannon Anderson, Des Moines, Iowa, 734; 7. Cody Niel­sen, Fort Dodge, Iowa, 714; 8. Jeremy Oliver, Chilton, Texas, 703; 9. Justin Lathram, Hobbs, N.M., 689; 10. Andrew Sebastian, Minot, N.D., 684; 11. Colton Pfeifer, Stockton, Kan., 667; 12. Brock Beeter, Minot, N.D., 664; 13. John Watson, Des Moines, Iowa, 637; 14. Westin Abbey, Coman­che, Texas, 626; 15. Tiffany Bittner, Norfolk, Neb., 616; 16. Lee Riley, Lubbock, Texas, 612; 17. Justin Nehring, Storm Lake, Iowa, 602; 18. Aaron R. Shearn, Sioux City, Iowa, 590; 19. Colby Langenberg, Norfolk, Neb., 567; 20. Benji Irvine, Stanley, Iowa, 560.Karl Chevrolet Northern SportMods – 1. Nick Spainhoward, Bakersfield, Calif., 1,058; 2. Rick Diaz, Los Banos, Calif., 1,018; 3. Ben Kates, Tonganoxie, Kan., 1,006; 4. Ethan Dotson, Bakers­field, Calif., 898; 5. Clay Money, Penokee, Kan., 858; 6. Daniel Gottschalk, Ellis, Kan., 849; 7. Wayne Dotson, Bakersfield, Calif., 808; 8. Carter VanDenBerg, Oskaloosa, Iowa, 762; 9. Brett Lowry, Montezuma, Iowa, 722; 10. Colby Heishman, Brooklyn, Iowa, 711; 11. Tyler Frye, Belle­ville, Kan., 706; 12. Brandon Clough, Wallace, Neb., 705; 13. Jenae Gustin, Marshalltown, Iowa, 695; 14. Tony Dunker, Quincy, Ill., 679; 15. Joey Gower, Quincy, Ill., 671; 16. Nick Meyer, Whitte­more, Iowa, 660; 17. Doug Smith, Lanesboro, Iowa, 631; 18. Kyle Griffith, Taft, Calif., 616; 19. Al Sotomayor, Morgan Hill, Calif., 607; 20. Robert Gallaher, San Jose, Calif., 585. Scoggin-Dickey Parts Center Southern SportMods – 1. Jake Upchurch, Grand Prairie, Texas, 962; 2. Chad Hertel, Abilene, Texas, 953; 3. Justin Long, Haslet, Texas, 941; 4. Cory Williams, Slaton, Texas, 938; 5. Allen Montgomery, Fort Worth, Texas, 904; 6. John Freeman, Runaway Bay, Texas, 739; 7. Gabe Tucker, Carbon, Texas, 709; 8. Cody Shoemaker, Paradise, Texas, 701; 9. Jon White Jr., Red Oak, Texas, 678; 10. Brad Shirley, Springtown, Texas, 656; 11. Jarrett Roberts, Temple, Texas, 651; 12. Kevin Green, Robinson, Texas, 642; 13. Jeffrey Abbey, Coman­che, Texas, 628; 14. Robert Scrivner, Woodway, Texas, 607; 15. Justin Shaw, Sweetwa­ter, Texas, 602; 16. Wesley McNorton, Bowie, Texas, 595; 17. James Holder, China Spring, Texas, 594; 18. Garett Rawls, China Spring, Texas, 590; 19. Gene Burnett, Leander, Texas, 589; 20. Michael Newhard, Greenville, Texas, 564. Mach-1 Sport Compacts – 1. Nate Coopman, Mankato, Minn., 846; 2. Ramsey Meyer, Pierce, Neb., 828; 3. Cody Thompson, Sioux City, Iowa, 802; 4. Tyler Thompson, Sioux City, Iowa, 784; 5. Bill Whalen Jr., Riverside, Iowa, 767; 6. Jacob Kofoot, Bode, Iowa, 647; 7. Megan Lappegard, Spencer, Iowa, 642; 8. Ryan Bryant, Mason City, Iowa, 634; 9. Shannon Pospisil, Norfolk, Neb., 590; 10. Kaitlyn DeVries, Spencer, Iowa, 589; 11. Jay DeVries, Spencer, Iowa, 582; 12. Austen Becerra, Carthage, Ill., 546; 13. Brooke Fluckiger, Columbus, Neb., 523; 14. Kimberly Abbott, Camp Point, Ill., 499; 15. Kiowa Higdon, Hays, Kan., 487; 16. Caine Mahlberg, Dunlap, Iowa, 480; 17. Lance Mielke, Norfolk, Neb., 473; 18. Brant Bachman, Weatherford, Texas, 451; 19. Art Herzog, Hays, Kan., 446; 20. Danny Jack Baggerly, Joshua, Texas, 445. West Coast Super Stocks – 1. Lonnie Welch, Bakersfield, Calif., 255; 2. Tim Randolph, Santa Maria, Calif., 248; 3. Steve Nash, Pahrump, Nev., 233; 4. Clay Daly, Watsonville, Calif., 228; 5. Brady Bell, Bakersfield, Calif., 213; 6. Billy Simkins, Bakersfield, Calif., 174; 7. Jon Blackford, Nipomo, Calif., 158; 8. George Bradburry, Pahrump, Nev., 125; 9. Chad Weber, Santa Maria, Ca­lif., 113; 10. Toby Randolph, Nipomo, Calif., 106; 11. James C. Wulfenstein, Pahrump, Nev., 105; 12. Johnny Bedingfield, Bakersfield, Calif., 102; 13. Dustin Chastain, Tonopah, Nev., 99; 14. Wayne Coffman, Bodfish, Calif., 97; 15. William A. Stevens, Bakersfield, Calif., 66; 16. Jim McCoy, Pahrump, Nev., 64; 17. Donald W. Riley, Pahrump, Nev., 63; 18. Eric Shenberger, Pahrump, Nev., 34; 19. Dale Daffern, Las Vegas, Nev., 33; 20. Mike Corwin, Bakersfield, Calif., Daniel Vlaszof, Las Vegas, Nev., and Cory Little, Pahrump, Nev., each 32.last_img read more

Fort St. John City Council Agenda for July 13th

first_imgFort St. John City Council will hold a regular council meeting on Monday July 13th, 2009.Click here for the Council AgendaClick here for the Council Information Package – Advertisement –last_img