Strategy
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
Strategy
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.
Weekly Insights
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
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
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
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
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 single press release, but from two, seemingly separate announcements. On October 27, 2025, Mastercard and PayPal announced a partnership to "accelerate secure global agentic commerce." The very
Strategy
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 new member-centric initiatives, innovative digital channels, and diversified revenue streams through CUSOs. Yet, months later, many of these critical "explore" initiatives are stalled, suffocated by the very
Governance
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 a formal category in examinations. Citing the subjective nature of the assessment, the agency aims to ground its oversight in more data-driven conclusions. While this change streamlines the examination
Strategy
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 theory to market reality. While the specific rules are still being debated by the CFPB, the fundamental shift is clear: the walls around traditional financial data are coming down. For
Strategy
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. Since the post-pandemic "return to office" push, a critical question has remained: Was that demand for flexibility a temporary fad, or does it represent a permanent structural
Strategy
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 office norms and a new demand for flexibility. Groundbreaking research from economists at Harvard, Brown, and UCLA, however, is reframing the conversation. Workplace flexibility is no longer just a perk;