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Nicole Harper

Nicole Harper is a Sr. Strategic Initiatives Analyst covering the credit union industry and the fintech landscape as part of Jack Henry & Associates’ Strategic Initiatives Group. The Strategic Initiatives Group is a corporate analyst team that provides competitive and strategic insights and vendor partner recommendations to senior management of the company. Nicole joined Jack Henry & Associates in 2017 bringing over 15 years of marketing and research experience in the financial services industry. Her prior work experience includes serving in senior marketing management roles for large credit unions with community, military, and state employee fields of membership and providing advisory services for leading financial services providers in the U.S. such as LifeLock and Intuit.

Recent Posts

Simple Ways Credit Unions Can Gain and Retain Today’s Modern Member

Posted by Nicole Harper

Wed, Feb 19, 2020 @ 11:23 AM

“We’re here to help with your car loan process.” – my auto loan provider.

I joined a local credit union to get an auto loan.

My auto lease was nearing its maturity. Since I like my car and drove less mileage than expected during my lease term, I decided to convert my lease to a purchase. I worked with my auto dealer who presented me with a great auto loan rate from a leading local credit union. I signed the papers and was happy to become a member of a second credit union.

So, what went wrong?

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Topics: Credit Unions, Modern Membership

U.S. Core Providers Supporting the Credit Union Movement

Posted by Nicole Harper

Fri, Dec 06, 2019 @ 11:07 AM

A look at the core players

More than 600 credit unions have changed core processors in the past five years. The pace of change and transformation happening in the financial services space makes selecting a technology partner more important than ever.

Each year, Callahan develops a valuable resource guide to help credit unions explore their core processing options.  Callahan strives to make this publication the go-to resource for credit union leaders seeking valuable analysis and actionable insights in a rapidly changing world. The 2020 Supplier Market Share Guide: Credit Union Core Processors provides a look at U.S. core providers supporting the credit union movement. Collectively, these core providers have helped America’s credit unions achieve strong performance.

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Topics: Credit Unions, FI Operations, Future Ready, Modern Membership

Innovation on Tap at FinovateSpring 2019

Posted by Nicole Harper

Wed, Jun 19, 2019 @ 11:01 AM

Innovation on Tap

Tapping the Fintech Community at FinovateSpring 2019

The city by the bay welcomed FinovateSpring in May at San Francisco’s Hilton Union Square. Innovation was on tap with 60 fintech demos, presentations from industry thought-leaders, strategy roundtables, and more. The Finovate conference series continues to be where you can see the future of fintech first.

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Topics: Fintech, Future Ready, Data and Analytics

No Shirt. No Shoes. No Card. No Service.

Posted by Nicole Harper

Wed, Apr 24, 2019 @ 11:00 AM

In a digital world, how long will cash remain king?

Two recent headlines got me thinking about cash. While I can appreciate the feel of a crisp new Benjamin, I don’t carry a lot of cash or use it often. Most of my cash is used for tipping or paying for the occasional home repair. I have no shame using plastic for small purchases which really annoys my husband (he’s a Brit).

Views about cash are personal and cultural. My husband, who grew up in the U.K., prefers cash over plastic for most everyday purchases. What we do agree on is the annoyance of coin. When we get it, we drop it into a giant Erdinger glass and feed our local Coinstar machine once a year.

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Topics: Credit Unions, Digital, Community Banks, Future Ready

Why FIs Should Swipe Right for Fintechs

Posted by Nicole Harper

Thu, Feb 14, 2019 @ 11:00 AM

Swipe left (not interested), swipe right (interested). While it may not be as easy as a dating app to choose your next business partner, let’s explore a few reasons why traditional financial institution (FI) and fintech relationships may be a great match.

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Topics: Credit Unions, Financial Institution, Fintech, Community Banks

AI and the Modern Marketer’s Toolkit

Posted by Nicole Harper

Wed, Jan 09, 2019 @ 11:00 AM

Gartner research tells us that CMOs spend an average of 18% of their overall marketing budgets on customer experience (CX) initiatives – signaling the importance of investing in CX improvements to make your company stand out so you can gain a competitive edge. Big Techs like Amazon are already delivering seamless, simple, intuitive experiences, and as they continue to raise the bar for consumer expectations, it’s hard for community banks and credit unions to keep pace. While financial institutions may not have the fun factor of online shopping or content streaming, they still have an opportunity to create delightful and contextually relevant experiences by revving their marketing engine with artificial intelligence (AI).

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Topics: Credit Unions, Digital, Community Banks, FI Operations, User Centricity

Banking’s Newest Four-Letter Word: Varo Receives Preliminary Fintech Bank Charter Approval

Posted by Nicole Harper

Wed, Oct 31, 2018 @ 11:00 AM

 

The four-letter word currently buzzing around the banking world (perhaps among other choice four-letter words) is “Varo.” Recently, Varo received preliminary approval from the Office of the Comptroller of the Currency (OCC) of their application to start Varo Bank – the first mobile national bank. Is this the dawning of a new era in banking?

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Topics: Credit Unions, Fintech, Community Banks, User Centricity

Should We Pay More Than Lip Service to Voice Banking?

Posted by Nicole Harper

Wed, Jun 06, 2018 @ 11:00 AM

 

Talking is easier than typing (thanks, Captain Obvious). Voice assistants aren’t new, but there seems to be growing chatter about smart speakers and voice banking. Is it all just hype or should banks and credit unions be taking this seriously? To help answer this, let’s challenge some common assumptions.

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Topics: Financial Institution, Fintech, Payments, Digital, Future Ready, User Centricity

Why FIs Should Swipe Right for Fintechs

Posted by Nicole Harper

Wed, Apr 11, 2018 @ 11:00 AM

 

Swipe left (not interested), swipe right (interested). While it may not be as easy as a dating app to choose your next business partner, let’s explore a few reasons why traditional financial institution (FI) and fintech relationships may be a great match.

Read More

Topics: Financial Institution, Fintech, Community Banks

Customer Journey Mapping Explained in Journey’s Hit Songs

Posted by Nicole Harper

Wed, Mar 14, 2018 @ 11:00 AM

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Topics: Business Continuity, FI Operations, User Centricity

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