The Transformative Impact of Stablecoins
A strategic update for CU leaders on the new realities of the GENIUS Act, RWA tokenization, and the immediate threat of Agentic AI. Understand the new landscape and get the 6-step action plan.
Latest — page 2
Strategy
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The Lifecycle vs. The Snapshot: Is Your Business Model Built for a Moment in Time?
Chipotle’s model was built for a "snapshot" of a customer, not their "lifecycle." When the customer changed, the model broke. This is the same trap many credit unions fall into.
Glatt Consulting Weekly - November 4, 2025
This week, we explore why employee burnout is a crisis of purpose, not perks. Plus, insights on the new commerce stack, organizational strategy, and two key sessions I'm delivering at the Reaching Members Conference.
Strategy
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Your Member Is Already Elsewhere: Why Embedded Finance is a Strategic Imperative
Your members are already on other platforms. Embedded finance is a strategic imperative to go to them, leveraging your trust and charter in a new B2B2C business model.
Strategy
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Why Chime is Winning the Checking Account War (And What Credit Unions Get Wrong)
Chime is winning the checking account war, not with features, but with a superior, non-punitive business model built on interchange. Why are credit unions failing to compete?
Strategy
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Employee Happiness Isn't a Perk. It's a Strategic Outcome.
Credit unions are spending fortunes on wellness perks to fix burnout. But the cure for burnout isn't a perk; it's a purpose. Learn why employee happiness is a strategic outcome, not an HR initiative.
Strategy
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The New Commerce Stack: How AI and Payment Protocols Are Engineering Financial Institutions Out of the Customer Relationship
In the last 48 hours, the future of e-commerce and digital banking was revealed. It did not come from a
Strategy
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Is Your Organizational Structure Sabotaging Your Strategy?
In strategic planning sessions across the country, credit union leadership teams build ambitious roadmaps for the future. They chart out
Reputation Risk Isn't Gone, It's Yours: A Board's Guide Post-NCUA Shift
The NCUA recently announced a significant shift in its supervisory framework: it will cease using "reputation risk" as
Strategy
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Open Banking: Reshaping Your Credit Union's Business Model
The concept of "open banking"—giving members control over their own financial data—is rapidly moving from regulatory
Strategy
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The New Normal: Why a Flat Remote Work Trend Is a Powerful Strategic Signal
In a previous article, we explored groundbreaking research showing that top talent places a high monetary value on workplace flexibility.
Strategy
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The New Bottom Line: How Workplace Flexibility Became a Strategic Asset
For years, the debate around remote and hybrid work has been framed as a culture war: a battle between traditional