continue reading » “Unity is strength… when there is teamwork and collaboration, wonderful things can be achieved.” –Mattie Stepanekby: Austin WentzlaffThe credit union industry (or credit union movement as it’s often referred to) is probably one of the most collaborative industries in the United States, if not the entire world. Unlike other organizations, credit unions share ideas and even their “secrets.” They truly care about the welfare of the industry and its millions of members. It’s great! Collaboration benefits credit unions in several ways but one way, in my opinion, presents the biggest opportunity. Big Data and Analytics.The ProblemAccording to Credit Union Financial Exchange (CUFX), Credit Unions spend millions of dollars independently integrating similar technologies. From what we’ve seen, this is especially true in what I will define as Credit Union Big Data and Analytics. Credit Union Big Data and Analytics is comprised of data integration (data warehousing), report writing, and the creation of analytics applications and reports. Today, credit unions spend significant amounts of time and money building their own isolated solutions to satisfy pressing reporting needs. While this may solve the short term problem, the unique design hinders the ability to share reports and pool data with other credit unions. Different credit unions often spend resources building similar reports and dashboards. This begs the question that was recently raised by John Best of CU Wallet and Best Innovation Group. Are credit unions technology companies that deliver financial services or are they financial service companies that use technology? ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr
KNOXVILLE, Tenn. (AP) — The news continues to get worse for Tennessee’s struggling offense.Tennessee has failed to score a touchdown in its last two Southeastern Conference games and has given up nearly twice as many sacks as any other SEC team. The Volunteers had zero net yards rushing and gave up seven sacks last week in a 34-3 loss at No. 3 Mississippi.Now the Vols (3-4, 0-3) aren’t at full strength as they prepare to face No. 4 Alabama (6-1, 3-1), which is coming off a 59-0 victory against Texas A&M. Various injuries knocked quarterback Justin Worley, guard Marcus Jackson and tackle Coleman Thomas out of the Ole Miss game and have left their status for Saturday’s game up in the air.”We’re definitely not happy with how we’re playing, so we’re just going to keep working harder and harder just to progress,” freshman running back Jalen Hurd said.Jackson and Thomas weren’t present at the part of Tuesday’s practice that was open to the media, though Tennessee coach Butch Jones said Jackson was with the team later in the workout.”I think Marcus right now is a little bit ahead of Coleman in terms of availability,” Jones said.Worley did practice Tuesday, and Jones said afterward that he’s “making progress (and) we’ll see how it goes.””The message is prepare yourself,” Jones said. “Everyone has to be prepared and ready to play.”The injury and depth concerns on Tennessee’s offensive line are so severe that the Vols could find themselves depending on fifth-year senior tackle Jacob Gilliam, who tore his anterior cruciate ligament in a season-opening victory over Utah State. Gilliam’s injury was expected to knock him out for the remainder of the season, but he hasn’t undergone surgery and returned to action against Ole Miss in a move that has marveled his teammates.”He’s probably in a lot of pain,” said junior safety Brian Randolph, whose 2012 season ended with a torn ACL. “I remember just straightening mine used to hurt me. He’s a tough dude.”Gilliam, a former walk-on, says he feels good enough to play an entire game if necessary.”I knew I could help us, and I wanted to help us,” Gilliam said. “That’s what really drove me to get back. I knew my time wasn’t done. I didn’t do all this just to get set back. I knew that as long as I kept going, I was going to be back playing.”The offensive line can’t afford to take any more hits.Neither can Worley.Tennessee has given up 30 sacks this season. SMU is the only Football Bowl Subdivision program to allow more sacks, though Miami (Ohio) and Idaho also have given up 30. No other SEC program has yielded more than 16 sacks.”We’re still confident,” junior center Mack Crowder said. “We’re all confident in anybody who has to step up and play. Obviously the best five are going to be playing on any given week. The confidence level’s fine and we’re ready to go out and just continue to improve.”Tennessee isn’t getting much help from its schedule. One week after facing an Ole Miss team that leads all FBS teams in scoring defense, the Vols are preparing for an Alabama team that ranks third in total defense and scoring defense.Tennessee has lost its last seven matchups with Alabama and hasn’t exceeded 17 points in any of its last 10 meetings with the Tide.Alabama isn’t taking anything for granted. Tide coach Nick Saban noted that Tennessee “could be 5-2 very easily” by citing the Vols’ narrow losses to Georgia and Florida. Alabama figures to encounter a hostile crowd as Tide offensive coordinator and former Vols coach Lane Kiffin returns to Knoxville.”Tennessee has a lot of explosive players at receiver, a good young runner,” Saban said. “They’re very capable offensively of moving the ball and making explosive plays. They made quite a few against us last year. Their offensive line, in my mind, is very capable of being effective.”___AP Sports Writer John Zenor in Tuscaloosa, Alabama, contributed to this report.
Dimitri Seluk, the agent of Yaya Toure, has told talkSPORT he will NOT be apologising to Manchester City boss Pep Guardiola – despite his client doing so.Toure has been sidelined by City since Seluk publicly criticised Guardiola over his treatment of the midfielder in September.Guardiola has since said he will not pick the Ivorian again until he receives an apology from his long-time representative.Toure took steps to end his exile on Friday morning by releasing a statement on his Facebook page.The 33-year-old wrote: “I wish to apologise – on behalf of myself and those who represent me – to the management team and all those working at the club for the misunderstandings from the past.”Seluk joined the Alan Brazil Sports Breakfast shortly after the statement was released.And the outspoken Ukrainian said that, while he was eager to make peace with Guardiola, he was not prepared to follow his client’s lead and say sorry for his comments.Seluk, who accused the City manager of ‘humiliating’ Toure by leaving him out of his Champions League squad, insisted: “I’m not apologising.“We want peace, but I’m not apologising. Apologise for what?“Maybe Toure has apologised for this, but I don’t know for what.“I think Yaya don’t mean this. He wants peace between him Guardiola.”Seluk says it is now up to Guardiola to decide whether to welcome Toure back in from the cold.But he insists the former Barcelona star, who has won two Premier League titles, the FA Cup and two League Cups during his time at City, still has much to offer.“A lot of supporters want to see Yaya on the field and Yaya wants to help Manchester City get good results,” he said.“A player like Yaya, one of the top players in the world who has a very big salary, normally does not stay out of the team. He must play.“We want to make peace between Guardiola, Yaya and me for the supporters, the team and for the results.“For Manchester City, the fans and for football, it is important Yaya plays because he is a top player.“We will see about the future, but most important we make steps to each other. Guardiola must now do the next step, because we make a step from our side to make peace.“Yaya has won two titles and this team is in his heart. He is a legend in the history of this club.“Now we say nothing. We’ve made our steps now and we will see what Guardiola will do.”