Category: Branch of the Future

Improve the Member Experience with Better Lobby’s Branch Service Queue Display

[Updated October 2025] Digital signage in credit unions has come a long way from simple posters and static displays. Today, members expect real-time updates, modern visuals, and a clear sense of where they stand when they visit a branch. That’s why Better Lobby’s Branch Service Queue Display is changing how credit unions communicate with their members while they wait. This powerful, fully responsive display solution integrates directly with your Better Lobby system—bringing together functionality and design. Whether displayed on a small monitor or a large video wall, it adapts to any screen size or resolution seamlessly. Why the Queue Display Matters The Branch Service Queue Display isn’t just about showing names or ticket numbers—it’s about transparency and trust. When members can see that they’re checked in and understand their position in the queue, it instantly reduces uncertainty and improves satisfaction. Here’s how it makes a difference: Real-time visibility: Members can track their place in line, making wait times feel shorter and more predictable. Integrated branding: Customize screens with your credit union’s logo, colors, and tone to reinforce your brand identity. Streamlined communication: Staff and members stay on the same page, ensuring smooth transitions between appointments and walk-ins. Enhanced member experience: Displays can show additional content—such as helpful financial tips, product highlights, or community updates—keeping members informed and engaged while they wait. The Future of the Branch Experience Adding the Branch Service Queue Display module to your Better Lobby setup is a simple step that delivers immediate results. It not only elevates your credit union’s digital presence but also helps staff manage lobby traffic efficiently and consistently. With this solution, every visit feels organized, professional, and member-focused—demonstrating that your credit union values both innovation and the member’s time. How Better Lobby Makes Queue Management a Seamless Part of the Member Experience The Branch Service Queue Display is more than just a digital sign—it’s an essential part of a modern, connected branch experience. Designed to integrate effortlessly with Better Lobby’s queue management and appointment systems, it ensures members always know what’s happening, and staff can focus on delivering exceptional service. 1. Fully Responsive DesignWhether your branch uses small monitors, large video walls, or tablets, the Queue Display adjusts automatically for any screen size or resolution. That means you can use existing hardware and still deliver a professional, modern presentation. 2. Real-Time Member UpdatesAs soon as a visitor checks in, the display confirms their status in the queue and shows their estimated wait time. This reduces anxiety, keeps members informed, and helps staff manage expectations transparently. 3. Consistent Branding Across Every ScreenBetter Lobby gives you the power to customize your queue displays with your credit union’s logo, colors, and messaging. This turns a simple wait-time screen into an extension of your brand identity—showing members that you value both their time and your image. 4. Combine Service with EngagementBetween queue updates, screens can display helpful content—like financial education tips, promotions, or community announcements—creating an opportunity to inform and engage visitors while they wait. 5. Smarter, Connected Branch OperationsBecause it’s part of the larger Better Lobby ecosystem, every check-in and appointment automatically feeds into your reports and dashboards. Branch managers gain insight into traffic patterns, service times, and staff performance—all from one central platform. Adding the Branch Service Queue Display to your Better Lobby system transforms waiting time into an experience that reflects your credit union’s professionalism, efficiency, and commitment to members. It’s an easy upgrade that makes every visit feel organized, modern, and member-focused. Key Takeaway Credit unions that enhance their Better Lobby system with the Branch Service Queue Display enjoy higher member satisfaction, improved staff coordination, and a more modern in-branch experience from day one.   The following section is the original post from April 2016. While some product names and screenshots may be outdated, we’ve kept it here for historical reference. Without a doubt, digital merchandising represents a step way beyond traditional branch signs and displays.  To take it a progressive step further would be to add our latest module: Branch Service Queue Display. This powerful software supports a wide array of display types, resolutions, and screen sizes via responsive software design. In action, it provides confirmation to waiting visitors that they are “checked in” and shows where they are in the service queue. It truly is a perfect complement to any credit union’s digital merchandising strategy and implementation. Key Takeaway: Credit unions that add our latest Branch Service Queue Display module to their Better Lobby implementations will enjoy multiple benefits immediately such as increased member satisfaction levels and improved staff efficiency.

How Mobile Tools Are Improving Credit Union’s Branch Experience

[Updated October 2025] Today’s credit union members expect convenience and connection—especially when visiting a branch. Research from Shikatani Lacroix Design (SLD) found that consumers increasingly want to use their smartphones to make branch visits smoother. They want to know how busy a branch is before they arrive, check in on their phones when they get there, and even receive helpful updates while they wait. That’s where Better Lobby comes in. With Better Lobby’s Mobile Appointment Booking Tool, and Self Check-In Kiosk, credit unions can give members the experience they want—fast, intuitive, and mobile-friendly. These tools work together to eliminate wasted time, reduce frustration, and showcase your credit union as a modern, member-focused organization. Streamline the Journey from Start to Finish Book from anywhere: Members can schedule appointments in advance using their mobile device, ensuring they meet with the right staff member at the right time. Skip the line: Upon arrival, they can check in using the Self Check-In Kiosk or a QR code, instantly alerting staff that they’ve arrived. Stay informed: The Branch Service Queue Display keeps members updated on their place in line, so they feel informed and valued while they wait. Together, these solutions create a seamless flow—from digital to in-branch—helping credit unions deliver the kind of connected experience members expect. Building Emotional Connection Through Experience Like SLD’s “Blink Factor” philosophy, Better Lobby focuses on creating instant and lasting impressions. When members walk into your branch and see efficient check-ins, clear digital displays, and friendly staff who are ready for their appointment, they instantly recognize your credit union as innovative, organized, and member-first. Consistency across every touchpoint—from mobile to lobby—strengthens trust and keeps your brand top of mind long after the visit ends. Bringing Digital Convenience Into the Branch Members want flexibility. They expect the same ease of use from their credit union that they get from their favorite apps—without losing the personal connection that makes branch visits meaningful. By introducing digital scheduling tools, credit unions can give members control over their experience while maintaining the trusted, human-centered service that defines their brand. Tools like Better Lobby’s Mobile Appointment Booking help bridge this gap, allowing members to plan their visits ahead of time and ensuring staff are prepared to serve them efficiently. This seamless mix of technology and hospitality not only saves time—it strengthens relationships and reinforces your credit union’s commitment to exceptional member care. Key Takeaway Using mobile devices to set appointments and check in streamlines the branch experience, reduces wait times, and builds member satisfaction. With Better Lobby’s integrated tools, your credit union can deliver the modern, friction-free experience members expect—every time.       The following section is the original post from March 2016. While some product names and screenshots may be outdated, we’ve kept it here for historical reference. Research from Shikatani Lacroix, an award winning Toronto-based design and branding firm, shows that many consumers would like to use their smartphones to help them streamline branch visits. Not only would like to be able to determine how busy a branch is prior to a visit, they are willing to use their mobile devices for self-service check-ins, and they say they are open to receiving information while they wait. We can help with all of these issues via appointment setting with our Mobile Appointment Booking Tool; with our Self Check-in Kiosk Software; and with our new Branch Service Queue Display solution. Key Takeaway: Using mobile devices to set appointments reduces wasted time and eliminates a huge friction point – branch wait times.

Why Branch Visits Still Matter-Even in a Digital Age

[Updated October 2025] Even with mobile apps and online banking dominating daily transactions, members still value the face-to-face experience that only branches can provide. Studies from CO-OP Financial Services and U.S. Bank found that 86% of consumers plan to continue visiting branches over the next five years. For credit unions, this means that the branch isn’t disappearing—it’s evolving. The Human Side of Banking As Sarah Canepa Bang, Chief Strategy Officer at CO-OP Shared Branch, explains, “Credit unions have always been leaders in personal service.” That member-first culture continues to be a defining advantage for credit unions, even as digital transformation reshapes how members interact. The key is blending technology with the personal touch members already trust. Branches remain where life’s biggest financial conversations happen—buying a home, consolidating debt, or planning for retirement. Members want knowledgeable staff who can help guide them through important decisions, and they value the confidence that comes from sitting down with a real person. Better Lobby: Making Personal Service More Convenient The challenge for credit unions is delivering that in-branch experience while matching the convenience members expect from digital tools. That’s exactly where Better Lobby’s Appointment Booking tools come in. With Better Lobby’s Mobile Appointment Booking Tool, members can easily schedule a meeting at their preferred branch, on their own time—through a phone, tablet, or desktop. Staff instantly see appointments in their calendars, allowing them to prepare in advance and ensure each visit is productive and personal. The result is a smoother, more efficient experience for both staff and members. No long waits. No uncertainty. Just service that fits today’s pace of life. The Future of Member Access As branches evolve into consultative service centers, scheduling and queue management become essential. Tools like Better Lobby’s Appointment Booking, Online Queuing, and Kiosk modules help credit unions balance efficiency with connection—ensuring members can get expert help without feeling rushed or overlooked. Enhancing the Modern Branch Experience Today’s members expect flexibility—whether they’re managing accounts online or meeting face-to-face with a financial advisor. That’s why forward-thinking credit unions are transforming their branches into experience centers where convenience and personal service meet. By integrating tools like Better Lobby’s Appointment Booking and Online Queuing, credit unions can create a seamless journey for members: they can research services online, schedule an appointment in seconds, and receive personalized attention when they arrive. This modern approach not only saves time but also shows members that their credit union values both innovation and relationships. In short, it’s not about replacing the branch—it’s about reimagining it for today’s digital world. Key Takeaway There’s no substitute for the human connection that happens in a branch—but there’s also no reason it can’t be modern and convenient. With Better Lobby’s Mobile Appointment Booking Tool, credit unions can bring the best of both worlds together—giving members easy access to personalized, in-branch financial guidance whenever and wherever it fits their schedule.   The following section is the original post from February 2016. While some product names and screenshots may be outdated, we’ve kept it here for historical reference.   Consumers still prefer visiting brick and mortar branches for many of their financial transactions, according to studies from CO-OP Financial Services and U.S. Bank. In fact, a whopping 86% of those surveyed plan to do business in branches during the next five years. Sarah Canepa Bang, Chief Strategy Officer for CO-OP Shared Branch which is a nationwide network of 5,400 branches dedicated to serving members of 1,800 participating credit unions, stated in their report that “credit unions have always been leaders in personal service…” A key part of delivering personal service at the branch increasingly involves appointment setting. Not much is more convenient than letting members easily select a time and location to discuss a host of banking and financial solutions — when and how it makes the most sense for them. Key Takeaway: There simply is no substitute for talking with someone face to face about your financial needs and issues and Mobile Appointment Booking Tool puts more convenience and access to your branch staff in the hands of those who need it — your members.

How Video Banking is Expanding Member Access and Expertise

[Updated October 2025] Video banking is no longer just a novelty—it’s quickly becoming one of the most impactful tools in modern credit union service delivery. According to a survey of global banking leaders, the top uses for video technology include private banking, mortgages and loans, investments, and new customer acquisition. These are all high-value interactions where personal connection and trust matter most—and that’s exactly where Better Lobby’s Video Module shines. Credit unions like BluCurrent Credit Union in Springfield, Missouri, are already proving that you don’t need to be a large financial institution to benefit from video banking. Even with just three branches, BluCurrent’s members have embraced video conferencing as a convenient and personal way to meet with specialists. How Better Lobby Makes Video Banking Work for You Our Better Lobby Flexible Branch Video module extends your branch’s service capabilities far beyond its physical walls. Instead of needing mortgage officers, financial advisors, or loan specialists stationed at every branch, expert staff can serve members remotely—whether from headquarters, a service hub, or even their home office. Here’s how it helps credit unions of all sizes: Centralized Expertise: Connect members in smaller branches or rural areas to specialists instantly. Unified Queues: The same queue that manages in-branch visits can now include video appointments, making it simple for staff to handle both types of interactions efficiently. Member Convenience: Members can start a video meeting from home, their office, or even a mobile device—no extra logins or complicated setup required. Improved Utilization: Staff can manage time more effectively, serving more members across more locations without added overhead. Video banking doesn’t replace the human connection—it enhances it. By combining the power of technology with Better Lobby’s intuitive queue management system, your credit union can deliver personalized, face-to-face service at any scale. Why Video Banking Is Becoming a Core Credit Union Service Video banking isn’t just about technology—it’s about giving members the flexibility to connect with your team wherever and whenever they need help. With Better Lobby’s Flexible Branch Video, credit unions can offer this next level of accessibility while maintaining the same high standards of personal service that define in-branch experiences. Here’s how credit unions are using the video module to transform service delivery: 1. Expanding Expertise Across BranchesInstead of requiring every branch to staff full-time loan officers or financial specialists, the video module allows experts to serve multiple locations remotely. This means your smaller or rural branches can offer the same level of professional support as your main office—without increasing costs. 2. Simplifying Member AccessMembers can join a video meeting directly from their mobile device, home computer, or a video-enabled kiosk at the branch. It’s as easy as checking in—no complicated links or separate logins. 3. Creating Seamless Hybrid ExperiencesVMQ integrates directly with your Better Lobby queue management system, meaning both in-person and virtual visitors flow through the same system. Staff can easily manage walk-ins, scheduled appointments, and video meetings all from one unified dashboard. 4. Increasing Staff ProductivityBy centralizing high-value services like mortgage consultations, investment advice, or new member onboarding, your staff can focus on their strengths and maximize their time serving members efficiently. 5. Building Trust in the Digital AgeVideo appointments maintain the face-to-face interaction that members value, even when they can’t make it to a branch. That personal connection fosters trust, loyalty, and confidence in your credit union’s ability to meet their needs—digitally and personally. In today’s world, flexibility and personalization are key. Better Lobby’s flexible branch video module brings both—helping your credit union deliver the right service, through the right channel, at the right time. Key Takeaway Video conferencing is no longer reserved for big banks—it’s transforming service models across credit unions of every size. Better Lobby’s video module gives you the member service management component that standard video tools lack—so your credit union can offer expert, human-centered service anywhere, anytime. The following section is the original post from April 2016. While some product names and screenshots may be outdated, we’ve kept it here for historical reference. BluCurrent Credit Union in Springfield, MO has incorporated video conferencing into its three branches.  Although they are only a $158 million-asset credit union, BluCurrent invested in the technology and video conferencing has been very well received by their members. We developed our Branch Video Meeting Queues to help credit unions provide full support to any local market without the need for expert staff to be physically present at each branch. Better Lobby Video Meeting Queue Module (VMQ) extends your Better Lobby Branch Queue beyond the branch so that the queue can be seen and served by expert staff located elsewhere. Key Takeaway: Video conferencing is coming to CUs of all sizes and the best way to manage it is via our VMQ software which provides the member service management component missing from video conferencing systems.

The Future of Credit Union Service: Flexible Branch Video

[Updated October 2025] As credit unions continue to innovate and modernize, video banking is emerging as the next big step in creating a more connected, flexible, and accessible member experience. Recent research by Efma and Vidyo shows that nearly 80% of financial institutions plan to offer video-enabled banking services, reflecting a growing industry consensus: members want both convenience and personal connection—and video delivers both. At Better Lobby, we’ve designed the Flexible Branch Video module to help credit unions bridge the gap between digital service and human interaction. This powerful module allows credit unions to serve members via video—whether they’re connecting from home, a branch kiosk, or even another location entirely—without losing the personal touch that defines credit union service. How Better Lobby Makes Video Work for Credit Unions The Flexible Branch Video module builds on core Better Lobby principles—efficiency, transparency, and simplicity—while adding video integration designed for real credit union workflows. It’s not just a video call; it’s a managed, organized, and data-driven service experience. Here’s what makes it different: Seamless Scheduling and RoutingMembers can easily book a video appointment through online, mobile, or call center channels. The system routes each appointment to the right staff member—whether they’re in the branch, at headquarters, or working remotely. Click-to-Call and Call EscalationStaff and members can initiate or escalate to video instantly, improving problem resolution and member satisfaction. Secure and ReliableBuilt for the security standards credit unions require, the Flexible Branch Video module keeps sensitive conversations protected while maintaining high-quality, stable video performance. Integrated ExperienceVideo interactions are tracked alongside in-branch and online queue data in Better Lobby’s dashboards and reports—giving you a complete view of your member engagement across all channels. Why It Matters As credit unions expand their digital capabilities, maintaining a personal, member-first approach is essential. Video banking creates a bridge between digital convenience and the trust of human interaction. Whether it’s for mortgages and loans, private banking, investments, or new member onboarding, video allows your experts to meet members where they are—on any device, at any time. How Flexible Branch Video Elevates Member Experience Credit unions are redefining what it means to deliver personal service in a digital world. The Flexible Branch Video module takes the best parts of branch interactions—the trust, the empathy, and the personal guidance—and makes them accessible anywhere through secure, high-quality video meetings. Here’s how this feature transforms both the member experience and operational efficiency: 1. A Smarter, More Flexible Service ModelMembers don’t always need to visit a branch to get expert help, and staff don’t always need to be on-site to deliver it. With Flexible Branch Video, credit unions can connect members with specialists no matter where either party is located. Whether it’s a mortgage consultation, investment advice, or account setup, the experience feels just as personal as being in-branch. 2. Centralized Expertise, Local ConnectionSmaller branches can now offer the same depth of expertise as larger locations. Specialists working from headquarters—or even remotely—can serve multiple branches at once through scheduled or on-demand video meetings. This ensures consistent service quality across every location while making better use of staff time and skills. 3. Fully Integrated and Easy to ManageThe Flexible Branch Video module isn’t just another standalone tool. It integrates directly with Better Lobby’s queue management and appointment systems, creating one seamless workflow. Staff can manage in-person, scheduled, and video meetings from a single interface—reducing complexity and improving coordination. 4. Built for Member TrustVideo interactions are secure, reliable, and easy for members to join. There’s no need for complex software downloads or extra logins. The system maintains the same privacy and professionalism members expect during in-person visits, making it ideal for sensitive financial discussions. 5. Data That Drives ImprovementAll video interactions are tracked alongside other member touchpoints in Better Lobby’s reports and dashboards. This data gives managers a full picture of how, when, and why members choose video—helping credit unions refine staffing, training, and service strategies based on real usage patterns. With Flexible Branch Video, credit unions don’t have to choose between personal service and digital convenience—they can offer both, seamlessly. Key Takeaway Now is the time for credit unions to embrace video as part of their digital service strategy. The Better Lobby Flexible Branch Video module provides the missing link between technology and service management—empowering credit unions to deliver exceptional, face-to-face service virtually, with the same warmth and reliability members expect in person.   The following section is the original post from June 2016. While some product names and screenshots may be outdated, we’ve kept it here for historical reference. Some observers contend that video banking will be the next chapter in a credit union’s digital transformation. Research co-sponsored by Efma and Vidyo found that nearly 80% of all surveyed FIs plan to offer video-enabled banking services. Respondents noted that regardless of the channel (mobile, desktop, branch or ATM), the most important capabilities for video banking services were: click-to-call call scheduling call recording call escalation In preparation for this transformation and to help address item 2 above, we developed Better Lobby Video Meeting Queue Module (VMQ). Key Takeaway: Now is the time for credit unions to start working on their video implementations and a perfect first step is to look at Better Branches Branch Video Meeting VMQ solution that provides the member service management component missing from many video conferencing systems.

Why Branches Still Matter in the Age of Digital Banking

[Updated October 2025] It’s never been easier to manage your finances online—depositing checks, paying bills, or checking balances can all happen in seconds from your phone. Yet despite the convenience, research shows that members still value visiting a branch for certain transactions. According to Bankrate, 45% of Americans have visited a bank or credit union branch within the past 30 days, and 86% plan to continue using branches in the next five years. Why? Because the branch experience offers something digital channels can’t: trust, expertise, and human connection. Many members visit branches not because they have to—but because they want to. The Role of the Modern Branch Today’s branches are less about everyday transactions and more about meaningful conversations. Members come in to: Discuss major financial goals, like buying a home or consolidating debt Seek personalized advice for complex financial situations Build trust through one-on-one interactions with experienced staff As Anne Pace of Bank of America put it, “The banking center is becoming more and more a place not only for basic transactions, but for people to discuss complex issues.” Branches aren’t disappearing—they’re transforming. They are evolving from transactional spaces into relationship hubs where members feel seen, heard, and supported. Connecting Personal Service with Modern Convenience Even as branches adapt, efficiency and convenience remain essential. Members don’t want to spend time waiting—they want quick, focused service that respects their schedule. That’s where Better Lobby’s Mobile Appointment Booking Tool makes all the difference. With just a few taps, members can: Choose their preferred branch and staff member Schedule an appointment at a convenient time Receive reminders to bring any necessary documents For staff, appointments automatically appear in calendars, helping them prepare and deliver a more productive and personalized experience. The Future Is Hybrid As digital and physical channels continue to blend, credit unions have an opportunity to bring the best of both worlds together—combining digital convenience with human-centered service. Members can start their journey online and finish it in the branch, confident that their visit will be efficient and meaningful. Bringing Digital Convenience Into the Branch Members want flexibility. They expect the same ease of use from their credit union that they get from their favorite apps—without losing the personal connection that makes branch visits meaningful. By introducing digital scheduling tools, credit unions can give members control over their experience while maintaining the trusted, human-centered service that defines their brand. Tools like Better Lobby’s Mobile Appointment Booking help bridge this gap, allowing members to plan their visits ahead of time and ensuring staff are prepared to serve them efficiently. This seamless mix of technology and hospitality not only saves time—it strengthens relationships and reinforces your credit union’s commitment to exceptional member care. Key Takeaway Important financial matters deserve personal attention—and that often means a face-to-face conversation. Better Lobby’s Mobile Appointment Booking Tool bridges the gap between convenience and connection, ensuring members get timely, personal service every time they step into your branch. The following section is the original post from March 2016. While some product names and screenshots may be outdated, we’ve kept it here for historical reference. The rise of online and mobile banking have made it convenient to do many routine financial transactions – checking balances, paying bills, depositing checks, etc. – remotely, but that doesn’t mean that branches are about to disappear. Bankrate, the Web’s leading aggregator of financial rate information, reports that branch visitors make the journey from many reasons: “concerns over security, ease of use, lack of awareness, and a desire to meet the people they’re entrusting their money to face to face.” The fact is the branch is less and less about basic transactions, and more and more about the need for people to discuss important and oftentimes complex financial issues. Key Takeaway: Important financial matters are best handled at the branch and that often means an appointment. Our Mobile Appointment Booking Tool ensures timely service and reminds members to bring the information necessary to the meeting.

Send an Email to Members so they Book an Appointment with Your Credit Union

[Updated October 2025] Smarter Email Campaigns Meet Seamless Appointment Booking Credit unions have always thrived on personal relationships—but in the digital age, personalization happens through smart technology, too. Today’s marketing tools make it possible to connect with members in real time, offering not just information, but instant action. That’s why combining dynamic email marketing with Better Lobby’s Mobile Appointment Booking Tool is such a powerful strategy. Imagine sending an email about auto loan refinancing or home equity consultations—where members can watch a short video, learn the basics, and immediately book an appointment right from the email. No redirects. No searching your website. Just one tap to connect with your team. Better Lobby’s Mobile Booking Tool makes this easy. It’s customizable, responsive, and fully branded to your credit union’s look and feel. Whether your member opens an email on their phone, tablet, or desktop, they can schedule time at their preferred branch or video appointment in just a few clicks. This approach does more than improve convenience—it boosts conversion. Members are far more likely to follow through when the next step is simple and immediate. And for credit unions, it means higher engagement and more traffic directed to the right staff and services. Expanding Your Marketing Impact with Better Lobby Once your members start booking appointments directly from your campaigns, it opens up new possibilities for smarter marketing and service alignment. With Better Lobby’s reporting and analytics tools, your team can track how these appointments connect to specific campaigns—helping you measure ROI and member engagement in real time. By combining Better Lobby’s Mobile Booking Tool with real data from your dashboards and reports, your marketing team can create continuous improvement loops—where every campaign becomes smarter and more effective than the last. The future of credit union marketing isn’t just digital—it’s connected, personalized, and measurable. Better Lobby makes that future possible. Key takeaway about Credit Union Appointment Booking with Email Pairing Better Lobby’s Mobile Appointment Booking Tool with modern email marketing creates a seamless, high-impact experience that drives both engagement and branch growth. It’s not just outreach—it’s results.     The following section is the original post from February 2016. While some product names and screenshots may be outdated, we’ve kept it here for historical reference. LiveClicker offers credit unions the means to dynamically update the content of emails when they are opened, rather than when they are sent. One of the features that the Silicon Valley-based company says that their system supports is the ability to embed how-to “schedule an appointment” or other instructional videos directly within the body of a message. This has the potential to be an extremely powerful marketing tool when combined with our Mobile Appointment Booking Tool. All types of loan and other product offers could be easily sent to members with the built-in capability for them to self-schedule meetings in branches in a well-ordered and convenient manner. Key Takeaway: Marrying our affordable Mobile Appointment Booking Tool to virtually free email marketing campaigns is a great way to boost your branch sales numbers.

Millennials Still Value Credit Union Branches — But They Expect Smarter, Faster Service

[Updated October 2025] Millennials, Mobile Banking, and the Modern Branch Experience Millennials have long been known as “digital natives”—a generation that prefers managing everything from their phones. But as they age and take on more complex financial goals like mortgages, investments, and family savings, they’re rediscovering the value of in-person banking. That doesn’t mean the branch is going back to its old ways. Instead, it’s evolving. Credit unions are now blending digital convenience with human connection, ensuring every member—especially younger ones—can get expert help quickly and easily. Why the Branch Still Matters Even the most tech-savvy members want reassurance when making major financial decisions. Whether it’s applying for a home loan or discussing investments, they value the opportunity to talk to a real person. Research continues to show that branch visits remain high, especially for advice-based interactions. But the key is efficiency—members don’t want to wait in long lines or spend half an hour checking in. They want streamlined, purposeful visits that respect their time. Making It Happen with Better Lobby That’s where Better Lobby’s Mobile Appointment Booking Tool comes in. This feature allows members to schedule face-to-face appointments from anywhere—right from their smartphone. It’s fast, intuitive, and customizable to fit your credit union’s brand and member experience. By letting members book in advance, credit unions can: Reduce lobby congestion and wait times Ensure the right staff are available for specific services Improve member satisfaction through personalized, timely service And with integrations across other Better Lobby modules—like Online Queuing, Video Meetings, and Reports—credit unions gain a complete view of branch activity, helping optimize both member experiences and operational efficiency. The Future: Seamless Digital-to-Branch Banking Millennials—and every generation that follows—expect consistent, connected experiences across channels. They might research loans online, confirm details over video, and finish the process in person. Better Lobby helps credit unions make that journey simple and seamless. The future of credit union service isn’t about choosing between digital and physical—it’s about blending both. By adopting tools like Better Lobby’s Mobile Appointment Booking, credit unions can ensure the branch remains relevant, engaging, and efficient for years to come. Building Loyalty Through Smarter Service When members feel that their time is respected, they’re far more likely to stay loyal. By giving them control over how and when they interact with your branch, you show that your credit union values convenience as much as connection. Mobile booking tools make this possible—reducing friction, empowering members, and freeing up staff to focus on meaningful conversations instead of managing walk-ins. And when this digital convenience is paired with friendly, efficient in-person service, it reinforces what credit unions do best: building trust through personal relationships. With Better Lobby, that trust becomes easier to earn, maintain, and grow—one appointment at a time. Key Takeaway  Even digital-first members value human connection. With Better Lobby, credit unions can deliver that connection—faster, smarter, and more conveniently than ever before.   The following section is the original post from February 2016. While some product names and screenshots may be outdated, we’ve kept it here for historical reference.   James Bosley, an employee of Compass Plus which is a retail banking and electronic payments solutions provider, recently wrote an interesting article entitled “Millennials won’t be millennials forever, keep hold of the branch.”  He notes that while Millennials are “digital natives” that prefer to do as much as possible on their mobile devices, they still value the in-branch experience, and will do so even more as they grow older. He is convinced – like we are – that consumers must be able to prearrange their face-to-face branch meetings with their FI using their mobile application on the go. He contends that “time in-branch per visit should be minimal, with all processes and operations as fluent as possible. By doing this the consumer won’t view the experience as a chore but as a more integrated part of their banking process.” Without a doubt, branch appointments provide a welcomed alternative for members who are facing a long wait for service. Key Takeaway: Our Mobile Appointment Booking Tool is perfect for attracting and retaining Millennials members, but members from every demographic group also really appreciate its convenience.

Bridging Digital and In-Branch Banking with Better Lobby’s Mobile Appointment Booking Tool

[Updated October 2025] Balancing Digital Convenience with In-Branch Connection As digital banking continues to grow, it’s no surprise that millennials visit branches less often. But here’s the twist—while many prefer mobile tools for everyday banking, most still see value in face-to-face interactions when it comes to important financial moments. A recent BI Intelligence survey found that while 75% of millennials rarely visit branches, 62% still find them valuable. That means credit unions don’t need to replace branches—they just need to make them more accessible and efficient. The Role of Better Lobby’s Mobile Appointment Booking Tool Better Lobby’s Mobile Appointment Booking Tool bridges the gap between digital and in-person banking. Members can easily schedule appointments from their phone, tablet, or computer—choosing their preferred branch, service, and time. Behind the scenes, appointments flow directly into staff calendars, giving employees time to prepare before each meeting. This small change has a big impact: No long waits: Members arrive at their scheduled time and are seen promptly. More meaningful service: Staff can review member needs in advance. Increased efficiency: Branches operate smoothly, even during peak hours. Why This Balance Matters Credit unions that blend mobile convenience with in-branch service are building stronger relationships with their members. When members can handle simple tasks online but still rely on the branch for personalized advice, trust grows—and so does loyalty. The Mobile Appointment Booking Tool makes this balance possible. It’s customizable with your credit union’s logo and colors, fits seamlessly into your website or app, and delivers an experience that feels both modern and personal. Key Takeaway Digital convenience and personal connection aren’t opposites—they’re partners. By using Better Lobby’s Mobile Appointment Booking Tool, credit unions can offer the best of both worlds: efficient digital scheduling and exceptional in-branch service that keeps members coming back.   The following section is the original post from May 2016. While some product names and screenshots may be outdated, we’ve kept it here for historical reference. A recent BI Intelligence Digital Banking survey revealed that 75% of millennials either never visit branches or do so once a month or less; however, 62% of millennials still find some value in branches, which led the researchers to conclude that FIs must strive to find the right balance between digital and in-branch services. Our Better Lobby Mobile Appointment Booking Tool is the perfect solution for striking this balance. With a few taps on their mobile device, members can book an appointment at the branch that is most convenient for them and at time that ensures virtually no waiting. On the back end, the appointments flow seamlessly into credit union employees’ calendars so they are fully prepared to engage with the member and quickly address the reason for their branch visit. Key Takeaway: Credit unions that roll out mobile functionality that forms a bridge to their branch networks will be making a move that positively impacts the member experience, branch sales, and overall staffing productivity.

Modern Branches, Modern Tools: How Digital Displays Are Improving the Credit Union Experience

[Updated October 2025] Credit unions are moving beyond paper brochures and static posters—and for good reason. Today’s members expect a modern, tech-forward experience when they visit a branch. That’s why more credit unions are replacing printed materials with digital signage that not only promotes products but also improves the member experience in real time. From Paper to Screens: A Smarter Lobby Experience Branches like UniWyo Federal Credit Union have already made the switch—replacing racks of brochures with bright, dynamic screens that engage members the moment they walk in. It’s a growing trend across credit unions of all sizes, and Better Lobby is proud to help lead the way with our Wall Display module. The Wall Display doesn’t just look great—it keeps your lobby running smoothly. Members can see where they are in the queue, who’s currently being served, and estimated wait times. This visibility builds trust and reduces stress, transforming the waiting experience into one that feels fair, transparent, and efficient. The Power of Pairing with the Better Lobby Kiosk When combined with the Better Lobby Kiosk, the Wall Display becomes even more powerful. Members can check in on their own using a tablet, desktop, or QR code kiosk—and instantly see their name appear on the Wall Display. This seamless interaction eliminates confusion and helps everyone in the lobby understand the flow of service. Managers also benefit from this pairing, gaining better visibility into traffic patterns and staffing needs without adding more work for their teams. Why It Matters Digital displays and self check-in kiosks aren’t just upgrades—they’re part of a smarter, more member-focused branch strategy. Together, they: Reduce frustration by showing clear, real-time updates. Show professionalism with modern, branded visuals. Demonstrate innovation that aligns with members’ digital expectations. Free up staff to focus on meaningful member interactions instead of managing lines. Key Takeaway about the Wall Display and Kiosk Combining Better Lobby’s Kiosk and Wall Display modules gives credit unions the tools to modernize their branch experience. It’s a simple yet powerful way to show members that your credit union values their time, embraces technology, and continues to put people first.   The following section is the original post from May 2016. While some product names and screenshots may be outdated, we’ve kept it here for historical reference. Many credit union marketing departments are foregoing brochures for in-branch digital signage. This trend is noticeable in credit unions of all sizes. Case in point: Laramie, WY-based UniWyo Federal Credit Union, which has $271M in assets and about 24,000 members, recently replaced paper brochures in their lobbies with screens. We have addressed this trend head on with the release of our Branch Queue Display module which is the latest addition to our industry leading Better Lobby management platform. Because we developed this module to be responsive, credit unions can run it on virtually any screens that they have in their branches. Key Takeaway: it makes perfect sense to combine digital marketing with the ability to show waiting visitors their place in the queue. It visually demonstrates to your members that you are a technologically advanced credit union that places a high value on your members’ time during each branch visit.

Ensuring the Future of Bank Branches: Balancing Trust and Accessibility

Despite the rise of digital banking solutions, a recent survey conducted by Glory Global Solutions reveals that the majority of US consumers still value the presence of physical bank branches. This sentiment underscores the enduring importance of in-person interactions in the banking industry. However, consumers are increasingly demanding greater convenience and personalized service from their branch experiences. In this article, we delve into the key findings of the survey and explore strategies for credit unions to meet evolving consumer expectations while maintaining trust and accessibility. Consumer Expectations The survey highlights that while consumers appreciate the convenience of alternative banking channels such as telephone and mobile banking, they still place significant value on in-person interactions. This preference stems from a desire for comfort and reassurance, particularly when dealing with sensitive financial matters. Addressing Consumer Demands To meet the evolving needs of consumers, credit unions must prioritize convenience and personalized service. According to the survey, consumers are looking for longer branch opening hours, shorter wait times, and more personalized interactions. These expectations underscore the importance of streamlining branch operations and enhancing the overall customer experience. Implementing Solutions One effective strategy for credit unions to address these concerns is the implementation of online and mobile appointment booking software. By allowing members to schedule appointments in advance, credit unions can reduce wait times and ensure personalized attention upon arrival. Additionally, such software enables credit unions to extend branch hours virtually, catering to members’ busy schedules and enhancing accessibility. Benefits of Appointment Booking Software The adoption of appointment booking software offers numerous benefits for credit unions and their members. From the credit union’s perspective, it helps optimize staff resources, minimize wait times, and improve overall operational efficiency. For members, it provides added convenience, eliminates the frustration of long lines, and ensures a tailored banking experience. Enhancing Member Service Quality By leveraging appointment booking software, credit unions can enhance the quality of member service. With pre-scheduled appointments, staff can adequately prepare for each interaction, offering personalized solutions and building stronger relationships with members. This personalized approach not only improves member satisfaction but also fosters long-term loyalty and trust. Improving Branch Traffic Flow Furthermore, appointment booking software plays a crucial role in managing branch traffic flow. By staggering appointments throughout the day, credit unions can prevent overcrowding and maintain a comfortable environment for both staff and members. This optimized traffic flow contributes to a more efficient and pleasant branch experience for everyone involved. Key Takeaways As credit unions navigate the evolving landscape of banking, maintaining trust and accessibility in physical branches remains paramount. By understanding and addressing consumer expectations for convenience and personalized service, credit unions can strengthen their position in the market. The implementation of online and mobile appointment booking software emerges as a strategic solution to meet these demands, offering benefits for both credit unions and their members alike. By prioritizing the customer experience and leveraging innovative technologies, credit unions can ensure the continued relevance and success of their branch networks in the years to come.

Branches and Appointment Making

[Updated September 2025] It’s no secret—members value their time. In a world where convenience drives loyalty, offering members the ability to schedule appointments is no longer a “nice to have.” It’s essential. Industry leaders, like John Best of Best Innovation Group, have long emphasized that branches still provide the best member experience. But the key is making those experiences easy to access. When members know they can book a dedicated time to sit down with a staff member, they feel confident they’ll get the attention and support they need—without long waits or uncertainty. Bringing Banking to the Member The idea doesn’t stop at in-branch appointments. Some credit unions are experimenting with “mobile banking experiences” outside the branch—meeting members at their home, office, or even a coffee shop. This flexible approach shows just how powerful appointment booking can be in strengthening relationships. By giving members options for where and how to connect, credit unions can meet them on their terms, fostering deeper trust and loyalty. How Better Lobby Makes It Possible Better Lobby’s Appointment Booking tools make scheduling simple and seamless: Mobile & Online Access: Members can schedule appointments anytime, from their phone or computer. Branch or Remote Options: Support in-branch meetings or explore future options like video or off-site appointments. Staff Efficiency: Staff can prepare ahead of time, ensuring each meeting is productive and personalized. Improved Experience: Members feel valued, knowing their credit union respects their time and busy schedules. Key Takeaway Appointment booking is more than just scheduling—it’s a service strategy. By making it easy for members to connect when and where it works for them, credit unions can deliver the personal service members expect while building loyalty that lasts. With Better Lobby, your credit union has the tools to make this vision a reality. The following section is the original post from December 2015. While some product names and screenshots may be outdated, we’ve kept it here for historical reference. John Best, a long time CU executive and head of the Best Innovation Group, states that “branches are still the best user experience….. and more people would go to the branch if they could schedule an appointment to see someone and be sure that they would get the time and attention and they need for their busy schedule.”  We couldn’t agree more with his comments. He even recommends taking the concept further with his FinancialUber (FUBER) proposition: that CU employees make appointments with members in their home, office or a coffee shop to discuss their needs. Key Takeaway: Mobile appointment booking has the ability to be game changer for your CU when it comes to building member loyalty and delivering stellar service.

Branches in the Mobile Age

[Updated September 2025] In today’s world of mobile apps and online banking, some may think branches are becoming less relevant. But research continues to show that branches still provide a unique advantage—one that directly impacts both service quality and financial performance. A study from the Federal Reserve Bank of Cleveland found that financial institutions with a physical branch presence were able to make better quality loans. Why? Because branches give staff access to “soft information”—insights about members, their communities, and local economic conditions that simply can’t be captured by numbers alone. This local knowledge helps credit unions make smarter decisions, reduce risk, and better serve members. The Human Side of Banking Branches remain essential for building personal relationships, fostering trust, and supporting members through complex financial decisions. Whether it’s applying for a mortgage, planning for retirement, or resolving an issue, many members still prefer face-to-face interactions when the stakes are high. At the same time, digital channels are vital for convenience and speed. The strongest credit unions don’t choose between digital and in-person service—they integrate both to create a seamless experience. Connecting Branches and Digital Channels One of the best ways to bridge the digital and physical is through online and mobile appointment booking. By allowing members to schedule time with branch staff in advance, credit unions can: Give members confidence that they’ll be seen quickly and prepared for. Reduce lobby wait times and improve satisfaction. Help staff prepare for appointments and provide better service. Align digital convenience with the personal touch of the branch. Key Takeaway Branches aren’t going away—they’re evolving. By combining digital tools like appointment scheduling with the unique advantages of local branch knowledge, credit unions can deliver the best of both worlds: convenience and human connection. With Better Lobby’s Mobile Appointment Booking Tool, your credit union can strengthen service quality while boosting branch productivity and sales. The following section is the original post from December 2015. While some product names and screenshots may be outdated, we’ve kept it here for historical reference. According to a recent study by the Federal Reserve Bank of Cleveland, branches provide an information advantage that helps bolster the bottom line, even in an era of Internet and mobile banking. Cleveland Fed researcher Kristle Romero Cortés found that financial institutions “were able to make better quality loans when they had a branch in the area, which suggests that their local presence gave them invaluable information about borrowers and conditions in the local economy.” Branches are all about personal relationships, community affinity and handling complex financial decisions. Digital offerings are absolutely essential and complement the branch network, but they can never replace it. Key Takeaway: One of the best ways to connect your branches to your digital channels is by allowing your members to make appointments with your branch staff. Our Mobile Appointment Booking Tool is the right tool for the job because it boosts member service quality, while simultaneously positively impacting branch sales.

Reverse-showrooming

[Updated September 2025] In retail, showrooming has become a common trend—customers browse in-store but make the final purchase online. Credit unions, however, are seeing the opposite effect: members do their research online and then visit a branch to finalize important financial decisions. This behavior, known as reverse-showrooming, highlights just how essential it is for credit unions to make branch visits easy and convenient. Why Reverse-Showrooming Happens When it comes to loans, investments, or other big financial choices, trust is everything. While members may gather information online, many still want the reassurance of speaking face-to-face with a trusted credit union staff member before signing on the dotted line. This blend of digital research and in-person connection makes branch access more important than ever. The Role of Appointment Booking Reverse-showrooming proves that members want both digital tools and human support. The best way to connect these two experiences is with online and mobile appointment booking. With Better Lobby’s Appointment Scheduling Module, members can: Choose a branch, time, and service that fits their schedule Book directly from their phone or computer in just a few clicks Receive reminders so they’re prepared when the appointment day comes For the credit union, it means walk-ins become less overwhelming, staff can prepare in advance, and members leave with a stronger impression of service and efficiency. Why It’s a Win for Everyone Members save time and feel confident that their needs will be met. Staff get the chance to prepare, leading to more productive conversations. The credit union builds stronger relationships and improves overall branch efficiency. Key Takeaway Reverse-showrooming is proof that branches still matter. By offering easy mobile and online appointment booking, credit unions can bridge digital convenience with the personal touch members value most. It’s not just about managing schedules—it’s about creating a seamless experience that builds trust, loyalty, and long-term growth. The following section is the original post from December 2015. While some product names and screenshots may be outdated, we’ve kept it here for historical reference. Just about everyone is familiar with ‘showrooming’ which is when a consumer goes to a retail location to investigate a product, then leaves and buys the product online at reduced price. Yet many FIs are experiencing just the opposite, which is reverse-showrooming where consumers do their research online and go to the branch to finalize their loan or investment choice. Reverse-showrooming perfectly illustrates the need for consumers to be able to book an appointment at the branch location of their choice. After all, numerous other industries such as retail and restaurants allow consumers to use mobile tools to schedule appointments and make reservations. Key Takeaway: Mobile appointment booking tools are a triple win: the CFO is happy to maximize ROA, the COO is thrilled to deliver the right branch experience, and the member receives timely and expedited service that fits into their busy schedule.

Banking Satisfaction Factors

[Updated September 2025] A recent survey of more than 3,800 consumers by Market Force Information revealed four major factors that shape satisfaction in banking: Transparency & Fairness Security & Reputation Ease of Doing Business Location Convenience Most credit unions already excel at transparency and security. But when it comes to making banking easier and more convenient, many still have room to grow. And that’s where appointment scheduling can make a big impact. Connecting Convenience with Ease of Doing Business “Ease of doing business” and “location convenience” are closely linked. Members don’t just want a branch nearby—they want it to work on their terms. Online and mobile appointment booking gives members the ability to plan their visits around their lives, not the other way around. Instead of walking in and waiting, members can arrive at a time that works best for them, knowing they’ll be seen right away. Advisory Services: The Human Connection While digital banking handles many transactions, in-person interactions still matter—especially when it comes to financial advice. Members want to talk to a trusted professional when making decisions about mortgages, auto loans, or investments. According to the survey, these advisory moments are some of the strongest opportunities for credit unions to build satisfaction and even generate referrals. By offering appointment scheduling, credit unions ensure these important conversations are efficient, personal, and stress-free. Staff have time to prepare for the meeting, and members feel valued and heard. Boosting Staff Productivity Appointments also help staff plan their day. Instead of juggling unpredictable walk-in traffic, they can balance scheduled advisory sessions with other member needs. This creates a smoother flow in the branch and ensures no one feels rushed. The result? Happier staff and happier members. Key Takeaway Appointment scheduling isn’t just a convenience—it’s becoming the new standard in credit union service. By making it easy for members to book time for financial advice and other key services, credit unions can raise satisfaction, improve staff productivity, and strengthen loyalty. Would you like me to also create a short sidebar/box of “Member Benefits vs. Staff Benefits” so this blog feels more skimmable for readers?   The following section is the original post from November 2015. While some product names and screenshots may be outdated, we’ve kept it here for historical reference. A recent survey of more than 3,800 consumers by Market Force Information found four major factors that impact customers’ satisfaction in banking: Transparency & Fairness Security & Reputation Ease of doing Business Location Convenience The vast majority of credit unions have items 1 and 2 well covered, but many continue to work on items 3 and 4, which are in many ways closely intertwined. One of the best ways to unite the Ease of Doing Business and Location Convenience factors is via online and mobile appointment scheduling. This is particularly true when it comes to financial advice; in fact, the report concludes that “in-person interactions, such as advisory services, present some of the strongest opportunities for retail banking to increase customer satisfaction and drive referrals.” Key Takeaway: Appointment setting for advisory services – and many other important financial decisions – will be the norm in the next few years at credit unions looking for ways to increase member satisfaction and boost branch staff productivity levels.

The Evolution of Banking Roles: Embracing the Universal Banker Model

In the ever-evolving landscape of banking, institutions are constantly seeking ways to optimize efficiency, enhance customer experience, and adapt to changing consumer demands. One significant trend that has emerged in recent years is the rise of the universal banker. This hybrid role, combining the responsibilities of both tellers and platform staff, has garnered attention for its potential to streamline operations and improve service delivery. In this article, we delve deeper into the concept of universal bankers, exploring their benefits, challenges, and the key tools necessary for their success in modern credit unions. Understanding the Universal Banker Model As highlighted in a recent study by Novantas, the adoption of the universal banker model is on the rise, particularly in smaller branches with lower transaction volumes. These branches, accounting for approximately 20 percent of the total, have transitioned to a single-role approach, where universal bankers handle both teller transactions and customer inquiries typically managed by platform staff. Benefits of the Universal Banker Model The shift towards universal bankers brings forth several notable advantages for credit unions. One of the primary benefits is improved cost efficiency. Institutions like PNC have reported a reduction in staffing requirements, with branches employing universal bankers requiring fewer personnel on average. This consolidation of roles not only lowers operational costs but also facilitates a more agile and adaptable workforce. Challenges and Considerations While the universal banker model offers promising benefits, its implementation is not without challenges. One key consideration is the need for tailored hiring, training, and compensation strategies. Unlike traditional tellers, universal bankers must possess a diverse skill set encompassing both transactional and advisory roles. This necessitates comprehensive training programs to equip staff with the necessary knowledge and capabilities. Furthermore, managing the time and workload of universal bankers is paramount. Balancing customer interactions, transaction processing, and cross-selling opportunities requires efficient scheduling and resource allocation. Without proper oversight, there is a risk of burnout or diminished productivity among staff members. Optimizing Universal Banker Performance Central to the success of the universal banker model is the implementation of supportive tools and technologies. One such essential tool is an enterprise-wide appointment calendar. This enables universal bankers to efficiently manage customer appointments, streamline scheduling processes, and ensure optimal utilization of their time. By providing a centralized platform for appointment management, credit unions can enhance customer engagement while maximizing the productivity of their universal banking staff.’ The Role of Technology in Supporting Universal Bankers The universal banker model isn’t just about combining teller and platform roles—it’s about giving staff the right tools to succeed. Credit unions that adopt this model need technology that streamlines day-to-day operations while supporting personalized service. Solutions like Better Lobby help by providing appointment scheduling, online queuing, and service dashboards that keep staff organized and informed. With these tools, universal bankers can focus on building stronger member relationships instead of juggling manual processes. Real-time insights into member needs, visit history, and staff availability make it easier to deliver fast, consistent, and high-quality service. For credit unions, this means fewer bottlenecks, better resource allocation, and a smoother member journey from start to finish. By pairing the universal banker model with the right supporting technology, credit unions can create a future-ready service approach that blends efficiency with the personal touch members still expect. Universal Banker Model Key Takeaways As credit unions navigate the changing landscape of banking, the adoption of the universal banker model emerges as a strategic imperative. By leveraging the combined capabilities of tellers and platform staff, institutions can drive operational efficiency, improve customer service, and remain competitive in a dynamic market. However, success in implementing this model hinges on effective training, resource allocation, and the integration of supporting technologies. With the right approach, universal bankers hold the key to unlocking enhanced performance and sustainable growth for credit unions in the digital age.

Never underestimate the value of branches

[Updated September 2025] For years, surveys have told the same story: consumers still choose their primary financial institution based on branch proximity. In fact, research shows that having a branch close to home or work outweighs nearly every other factor—even banking fees, which customers claim to dislike most. And this preference isn’t limited to one age group. From Boomers to Millennials to Gen Z, all demographics continue to say that having a branch nearby is critical to their relationship with a financial institution. So why do branches remain so important when mobile and online banking are faster, cheaper, and always available? The Psychology Behind Branch Choice Behavioral economics helps explain this. Consumers may say they make banking choices based on rational factors like fees or service quality. But in practice, decisions are often guided by familiarity, trust, and emotional connection. Familiarity bias: People tend to choose what they see often. A branch across the street builds brand recognition and comfort, regardless of pricing. Fairness and trust: Beyond rational calculations, members want to feel they’re being treated fairly and that their financial partner has their back. Branch staff embody that trust in a way apps cannot. Brand image: A branch isn’t just a building—it’s the most tangible representation of a financial institution’s brand. For many members, the branch is the brand. It’s no surprise, then, that over 70% of consumers in some studies said they wouldn’t bank with an institution that had no branches—even if they rarely visit one. Branches Are More Than Transaction Centers Even in the digital era, branches remain central to high-value financial activity: 72% of deposits are still made at branches. Two-thirds of account openings and loans happen face-to-face. Members consistently report higher confidence in financial decisions when they meet with staff in person. Branches aren’t just for transactions—they’re where relationships are built, problems are solved, and loyalty is cemented. Modernizing the Branch Experience Of course, member expectations have evolved. Waiting in line, filling out forms, or being bounced between departments doesn’t fit today’s definition of good service. That’s where technology like Better Lobby comes in. Better Lobby equips credit unions with tools to make branch visits smooth, efficient, and member-first: Visitor check-in & tracking: Members are greeted quickly and routed to the right staff. Appointment scheduling: Members can book ahead, ensuring staff are prepared for their needs. Queue management: Reduces frustration and keeps service flowing, even during peak times. Data & reporting: Branch leaders gain insights into traffic patterns, service times, and staff performance. In short, Better Lobby transforms branches from a point of friction into a showcase of efficiency and care. The Future: Branches as Brand Icons Branches may no longer be the place for every transaction, but they’ve become more important than ever as relationship and trust hubs. They represent the brand, shape perceptions, and influence member retention in ways digital channels can’t replicate. Credit unions that succeed will be those that: Invest in branch modernization, not just mobile apps. Personalize both digital and in-branch experiences. Use tools like Better Lobby to connect convenience with human connection. Key Takeaway Phones, apps, and ATMs are important. But people don’t open accounts with devices—they open them with people. Branches remain the foundation of member trust and loyalty, and with the right tools, they can be both efficient and deeply personal. Better Lobby ensures that every branch visit reinforces what members value most: trust, fairness, and genuine human service.   The following section is the original post from August 2015. While some product names and screenshots may be outdated, we’ve kept it here for historical reference. Survey after survey confirms that the American public continues to choose their primary FI based on whether a particular FI has a branch near where they live or work. This choice always represents a significantly higher proportion than any other reason listed, even over much-hated banking fees. Even more surprisingly, it applies to all age groups and demographics. The full-service branch continues to be the foundation of the consumer relationship for both transactions (e.g., 72 percent of all deposits are made at the branch), and account openings and lending activities (more than two-thirds of consumers open accounts and apply for loans and credit in the branch). Managing and serving waiting visitors in a full-service branch requires new tools and techniques, and our Better Lobby platform is optimally designed to handle this critical task for both teller and platform staff. Key Takeaway: Phones, tablets and computers don’t open accounts or take out loans – people do. Make every effort to ensure that visitor check-in and service tracking is fast and easy.

Credit unions continue to boost service levels at their branches

[Updated September 2025] Every few years, someone proclaims that the branch is dead. But if you look around, especially at credit unions, the opposite is true: branches are evolving, not disappearing. Yes, online and mobile banking are more popular than ever—9 out of 10 households use online banking, 4 in 10 use mobile banking, and more than half of all transactions now happen digitally. But when it comes to building trust, making big financial decisions, or getting personal advice, members still want the option to step into a branch and connect with real people. Travis Credit Union’s “Financial Solutions Center” A great example of this evolution is Travis Credit Union’s Financial Solutions Center in Vacaville, CA. This isn’t your typical teller-line branch. Instead, it’s an open, technology-rich space designed to give members choices: Six financial solution specialists are available to work one-on-one with members on everything from mortgages to digital banking tools. A tech bar with computers and iPads lets members explore online banking in a self-service way, with staff ready to help. Two advanced banking kiosks can handle everything from cash withdrawals (in any denomination) to transfers, bill payments, foreign exchange, and even new member enrollment. The focus here isn’t replacing people with machines. It’s exactly the opposite. As Travis CEO Barry Nelson put it: “Our goal is not to replace people but rather provide more people-helping-people service. The technology here can handle the minutia and free our very highly trained people to engage with our customers and really meet their financial needs.” The Big Idea: People + Technology = Stronger Service This model shows how branches can be both high-tech and high-touch. Members who want quick, self-service transactions can use kiosks or mobile tools. Members who want expert guidance can sit down with a specialist. And members who aren’t sure what they need can do both in one visit. It’s not about forcing people to go digital or keeping them stuck in old routines. It’s about giving members options—and ensuring that whichever path they take, the experience feels smooth and connected. How Better Lobby Fits In Better Lobby was built for exactly this type of branch evolution. Its modular tools help credit unions create a seamless member journey, whether in person, online, or both. Here’s how: Lobby Management: Keeps in-branch traffic organized so wait times are fair and transparent. Appointments: Lets members book online, by phone, or at the branch so they arrive prepared. Kiosks & QR Check-In: Streamline self-service check-ins without overwhelming staff. Video Appointments: Connect members to remote experts, whether they’re across town or across the state. Dashboards & Reports: Give managers the data they need to spot trends, plan staffing, and measure campaign ROI. These tools help ensure that technology enhances human service rather than replacing it. Staff spend less time juggling lines and logistics, and more time doing what they do best: building relationships with members. Key Takeaway Branches aren’t dead—they’re being reinvented. Credit unions like Travis are proving that with the right mix of technology and people, branches can become financial solutions hubs that members actually look forward to visiting. Better Lobby helps credit unions take this step confidently—bridging digital convenience with the human connection that has always been the heart of the credit union movement.     The following section is the original post from March 2015. While some product names and screenshots may be outdated, we’ve kept it here for historical reference. Credit unions must absolutely embrace online and mobile technologies, but many experts contend that their battles for market share will not be won there. Much to the dismay of those who like to proclaim the death of the branch, most credit unions acknowledge that maintaining a physical presence in their markets is critical to their ability to continue building strong relationships with their members. Case in point: Travis Credit Union’s new “Financial Solutions Center” in Vacaville, CA. Six “financial solution specialists” staff this new state-of-the-art branch and provide one on one service, or walk members through their many technology-based options for banking. Barry Nelson, president and CEO of the credit union stated that “our goal is not to replace people but rather provide more people-helping-people service.” Key Takeaway: At Better Branches, we could not agree more with Mr. Nelson – for the past dozen years we have provided credit unions of all sizes with the software solutions that they need to efficiently manage branch visitors in person, over the Internet and via mobile devices. Helping credit unions improve member service levels is the reason that we are in business.

In Branch Sales about Six Times more Effective than Mobile/Web

[Updated September 2025] In an era where mobile apps and online banking dominate, it might be tempting to believe branches are no longer essential. But the numbers tell a different story. Research from McKinsey & Company found that in-branch account openings convert at an astounding 85%, compared to just 15% in digital channels. And that 85% is actually closer to 100% once you remove cases rejected for fraud or identity issues. Other studies back this up: according to Fiserv, branches remain the leading source of new product sales and account relationships, often responsible for 60% or more of all new product sales. The evidence is clear: branches are still the beating heart of growth for credit unions and community banks. Why Branch Conversions Are So High When members walk into a branch, they’re already motivated. They’ve set aside time, gathered their documents, and are prepared to take action. Add in the face-to-face trust built with staff, and the likelihood of conversion skyrockets. Digital channels are convenient for quick transactions—but when it comes to opening new accounts, securing a loan, or starting a long-term relationship, members prefer a human touch. The branch environment makes it easier to guide members, answer questions in real time, and resolve concerns that could otherwise stall or stop the process online. The Role of Appointments in Branch Success If branches are where the majority of conversions happen, then getting members into the branch efficiently is critical. That’s why offering convenient appointment scheduling is such a powerful tool. Appointments remove friction: Members choose the time and location that works best for them. Staff can prepare in advance, ensuring a smoother experience. Wait times are reduced, because traffic is spread out more evenly. This simple step—making it easy to book time with staff—can directly boost conversion rates, improve member satisfaction, and maximize the value of branch visits. How Better Lobby Helps Better Lobby’s Appointment Booking Module was designed specifically to meet this need. It works across web and mobile channels, so members can schedule visits on their own terms, 24/7, without staff involvement. Features include: Branch and staff selection: Members pick where and who they’d like to meet with. Service type: Appointments can be tied to specific needs (mortgage, auto loan, new account, etc.). Reminders and confirmations: Automatic email and text notifications keep members on track. Staff integration: Branch employees see upcoming appointments, prepare accordingly, and deliver better service. For managers, the system also provides valuable data—showing peak times, appointment types, and patterns that help with staffing and resource planning. Key Takeaway Branches are still the most powerful driver of growth for credit unions. But the secret isn’t just in keeping the doors open—it’s in making it easy for members to get through those doors. Appointment scheduling bridges the gap between digital convenience and in-person trust, ensuring that branches remain strong centers of relationship-building and sales. Better Lobby makes this simple, effective, and scalable—helping credit unions win where it matters most: with their members.   The following section is the original post from March 2015. While some product names and screenshots may be outdated, we’ve kept it here for historical reference. McKinsey & Company, a multinational management consulting firm with 108 global offices, recently conducted research on account openings in financial institutions. Their findings are quite interesting: in-branch sales converted at a rate of 85 percent while digital channels averaged a mere 15 percent conversion rate. Plus that 85 percent in-branch rate is actually closer to 100 percent when you consider that most of the 15 percent of applicants that were not converted to members/customers were declined by the FI for identity issues and/or fraud reasons. Research from Fiserv and others shows that the retail branch remains the leading source of new product sales and account relationships for the majority of FIs. Some projections even show that branches typically account for at least 60 percent of all new product sales! Key Takeaway: These statistics clearly point out why it is critical for credit unions to make it as easy as possible for their members to make appointments with them to visit their branches. Our Appointment Booking Tool supports both the Web and the Mobile channels so that members can make appointments at their convenience at their preferred branch without the involvement of staff.   Below is the original article from wib.org Five Steps to Improving Branch Profitability Getting Focused on the Right Things By Andy Grinstead, Bank Intelligence Solutions from Fiserv In recent years, the branch seemed headed for a smaller role in the retail distribution channel. Consumers were adopting online and mobile banking channels in larger numbers. At the same time, tough economic times led banks to close branches to cut costs. Despite these trends, the retail branch remains the leading source of new product sales and account relationships for the majority of community banks. However, it is also by far the most expensive channel. According to Fiserv data, the cost of branches and related staff makes up 64 percent of all non-interest expense for the average bank. Thus, it’s critically important that banks evaluate their retail distribution networks to balance opportunity with costs. By determining the role, footprint, strategic position and business focus of each location, institutions can boost profitability while managing both growth and risk. Here are five proven steps that banks can take to improve branch profitability. Only 27 percent of surveyed bankers indicated that their business plans take current wallet share into account. Evaluate branch performance. To maximize performance and build a sustainable earnings stream, the best-performing banks balance the three principal drivers of franchise value – profit, growth and risk. By comparing profit, growth and risk data for the bank against its peer institutions, a bank’s management team can establish goals for enhancing performance. Then, the financial institution can look at its individual branches to determine how to best align the day-to-day activities within each branch with the overall objectives of the franchise. Assess the market and determine the role for

Branches Complement Digital Channels

[Updated September 2025] The CEO of Banco Santander recently said something that caught attention: physical branches are still one of the biggest advantages traditional financial institutions have over tech giants like Apple, Google, Amazon, and Facebook. Santander is doubling down—investing in branches while still pushing more customers to digital channels. At first glance, that sounds like a contradiction. Why spend money on branches when digital banking is growing so fast? But here’s the truth: branches aren’t going away. They’re evolving. And the future of member service will depend on how well credit unions combine digital-first convenience with in-person expertise. That’s where Better Lobby comes in. Branches Aren’t Dead—They’re Smarter Branches aren’t just transaction counters anymore. They’re becoming service hubs, advice centers, and hybrid spaces where members expect options: walk-ins, self-service kiosks, video appointments, or online queues. And credit unions that get this balance right have a major edge over competitors. Better Lobby was built specifically for this moment. It’s a modular, web-based platform that turns branch visits into smooth, connected experiences. Here’s how: Appointment Scheduling: Members Walk In Prepared With Better Lobby’s Appointment module, members can book online, by phone, or in-branch. They pick the reason for their visit, get reminders, and show up ready. Staff know who’s coming and why—so the service feels faster and more personal. Lobby Management: No More Chaos at the Front Desk Queues can get messy fast. Better Lobby’s Lobby Management module gives staff real-time visibility into who’s waiting, how long they’ve waited, and what they need. Members are served fairly and efficiently, and managers can fast-track when needed. Kiosks & QR Code Check-In: Skip the Line, Your Way Not everyone wants to stand in line. Members can check in using a branch kiosk or their own phone by scanning a QR code. It’s contactless, quick, and easy. Staff see the check-in instantly, keeping the flow organized. Video Appointments: Bring the Branch Anywhere Video is changing financial services. With Better Lobby, credit unions can connect members to staff experts from any branch—or from the comfort of home. Scheduled or on-demand, video appointments expand reach without needing more physical space. Wall Displays: Calm Lobbies, Clear Expectations No one likes wondering if someone cut the line. Wall Displays show members exactly where they are in the queue. It keeps things transparent, reduces disputes, and makes lobbies calmer. Online Queue: Join Before You Arrive Members can check wait times online and join the line before leaving home. Travel time becomes wait time, so by the time they walk in, they’re already closer to being served. Dashboards & Reports: Data That Drives Decisions Managers become more proactive with real-time dashboards and customizable reports. See traffic trends, staff utilization, peak hours, and campaign ROI. Export the data or plug it into tools like Power BI or Tableau to get deeper insights. Admin Tools: Full Control, Simple Setup One of Better Lobby’s biggest strengths is flexibility. Admins can set branch hours, manage holidays, adjust services, and control user access—all from one centralized dashboard. Compliance and customization made easy. The Meeting Queue Module: A Vision for the Future Looking ahead, imagine branches serving as gateways for remote financial expertise. With Better Lobby’s Meeting Queue module, members can walk into their local branch and connect with a remote loan officer, mortgage specialist, or financial planner via secure video. Credit unions can serve every market without needing every specialist at every branch. Key Takeaway: Harmony Wins Self-service and branches aren’t opposites—they’re partners. Members expect the freedom of digital and the trust of in-person service. Better Lobby helps credit unions deliver both, in harmony. Branches aren’t dying—they’re evolving. With the right tools, they become smarter, more efficient, and more valuable than ever. The following section is the original post from September 2015. While some product names and screenshots may be outdated, we’ve kept it here for historical reference. The CEO of a giant Spanish bank recently was quoted as stating that branches give traditional financial institutions an edge over big consumer tech companies such as Apple, Facebook, Google and Amazon. Banco Santander plans to continue to invest in their retail presence while simultaneously setting a target of moving of its customers to online banking channels over the next two years from a current base, according the Financial Times. Looking further, it is not hard to imagine many branches being used to provide video enabled remote financial advice and assistance. Video conferencing systems are coming down in price, just as high speed bandwidth becomes both more accessible and affordable. To support this branch innovation, we developed Meeting Queue Module for Better Lobby to help connect visiting members to remote staff experts. Using this approach, credit unions can provide full support to any local market without the need for expert staff to be physically present at each branch. Key Takeaway: All delivery channels must work in harmony to deliver the convenience that your credit union members demand. Top notch self-service capabilities should complement a great branch experience – they are not mutually exclusive.

J.D. Power Survey Find All Generations Like Branches

[Updated September 2025] For years, the conversation in banking has been dominated by digital: mobile apps, online payments, and self-service tools. But new research from J.D. Power shows that while younger generations lean heavily on mobile for everyday transactions, branch use is steady across all age groups. Surprisingly, Gen Z—the so-called “digital natives”—visit branches almost as often as Gen X and Millennials. They might use mobile more frequently for quick transactions, but when it comes to more important or complex needs, they value the ability to sit down with someone face-to-face. And they’re not alone. Consumers of all ages consistently say they want personalized service, which is still best delivered in-branch. The Rising Bar for Personalized Service Here’s the challenge: expectations have never been higher. Members aren’t just looking for friendly service—they want staff who are prepared for them before the meeting even starts. That’s where appointments play a critical role. When a member books a time to meet, staff can: Review their needs in advance. Gather any documents or resources required. Deliver a smoother, more personalized experience. Instead of walking in cold, members are greeted by someone who is ready to help. That preparation builds trust, speeds up service, and makes the experience feel more valuable. Tools That Make Appointments Work Better Lobby has developed two powerful tools to make branch appointments effortless: Branch Appointment Calendar Module (staff-facing): Gives branch employees a clear view of upcoming appointments so they can prepare and manage their schedules efficiently. Mobile Appointment Booking Tool (member-facing): Lets members book visits anytime, anywhere, directly from their phones. It’s quick, convenient, and ensures they feel in control of their experience. Together, these tools form a bridge between digital convenience and human connection. Members get the flexibility of mobile, and staff get the visibility they need to deliver top-notch, personalized service. Why This Matters for Credit Unions The J.D. Power study confirms what many already suspected: branches remain essential touchpoints for all generations. But just keeping the doors open isn’t enough. To meet rising expectations, credit unions need systems that make in-branch interactions smoother, faster, and more personal. Appointments do exactly that. They reduce wait times, improve staff efficiency, and most importantly, give members the sense that their time and needs truly matter. Key Takeaway Branches aren’t going away—they’re evolving. As members demand both digital convenience and human connection, credit unions must rise to the challenge. Better Lobby’s appointment tools make it possible to deliver personalized, prepared service that builds loyalty across every generation. The future isn’t just digital or in-branch—it’s both, working together. The following section is the original post from June 2015. While some product names and screenshots may be outdated, we’ve kept it here for historical reference. A new consumer survey by J.D. Power finds that consumers across the board value branches. While the survey found that the younger generation tends to use mobile phones for a lot of their banking needs, all generations at about the same level of branch use at FIs. The research firm found consumers of all ages want personalized service. A key component of personalized service is having the member service representative prepared ahead of time which is facilitated by appointment setting. We are seeing more and more interest in our Branch Appointment Calendar Module which is staff-facing and our Mobile Appointment Booking Tool which is member-facing for just these reasons. Key Takeaway: Branches remain important touch points for all ages, but service demands have risen. The ability to easily schedule an appointment with branch personnel is key to meeting these rising expectations.   Original JD Power Article  Press Releases: April 30, 2015 Gen Z Has Arrived. Is Your Bank Ready? Overall Retail Banking Satisfaction is Up, Mobile and ATM Satisfaction Declines WESTLAKE VILLAGE, Calif.: 30 April 2015 — Gen Z,[1] which comprises about one-fourth of the U.S. population, is entering adulthood and creating new challenges and opportunities for retail banks of all sizes to acquire them as customers, build their loyalty and capture a larger share of wallet as they age; however, banks will need to understand what drives satisfaction among this generational group. Additionally, while overall satisfaction has improved from 2014, satisfaction with mobile and ATM features has slightly declined raising a red flag about retail banks’ approach to technology, according to the J.D. Power 2015 U.S. Retail Banking Satisfaction StudySM released today. The 10th annual customer satisfaction study is the longest-running and most in-depth survey of the retail banking industry, with more than 80,000 consumers evaluating various aspects of their banking experience. The study measures satisfaction in six factors (listed in alphabetical order): account information; channel activities; facility; fees; problem resolution; and product offerings. Channel activities include six subfactors (listed in alphabetical order): ATM; branch; call center; IVR; mobile; and website. Banks are ranked based on overall customer satisfaction in each of the following regions: California, Florida, Mid-Atlantic, Midwest, New England, North Central, Northwest, South Central, Southeast, Southwest and Texas. Satisfaction is measured on a 1,000-point scale. Gen Z and Retail Banking: Satisfaction among Gen Z customers (797) is higher than among Gen Y and Gen X customers (781 and 778, respectively.)  Additionally, overall satisfaction among Gen Z customers of big banks[2] (807) is higher than among Gen Z customers of regional banks (796) and midsize banks (769). Among Gen Z customers, digital transactions are shifting from website to mobile. A higher percentage of Gen Z customers use mobile (38%) than the average use across all other generational groups (19%), and Gen Z uses mobile more often than other generations (48 times per year vs. 39 times). Surprisingly, branch usage among Gen Z customers is on par with that of Gen X and Gen Y, as 76 percent of Gen Z customers have visited a branch in the past 12 months, compared with 72 percent of Gen Y customers and 74 percent of Gen X customers. Gen Z customers who visit a branch average 12 times per year, compared with Gen Y and Gen X who visit 11 times and

Video banking complements branch banking

[Updated September 2025] Speaking to a financial expert face-to-face has always been one of the most important moments in a member’s financial journey. Whether it’s applying for a mortgage, financing an auto loan, or making a big investment decision, members want advice they can trust. Traditionally, that meant coming into a branch during business hours and sitting across the desk from a staff member. But times are changing. Video banking is quickly becoming a standard service—not a futuristic perk. Barclays in the UK made headlines years ago for rolling out video banking platforms that let customers connect with banking experts right from their mobile device or desktop. Coutts, a private bank, went even further, piloting a system that lets customers invite multiple advisors or even external professionals into the same video session. These examples showed early on what was possible: combining digital convenience with the personal connection members value most. The Shift to Member-Controlled Convenience Members today expect flexibility. They want the reassurance of a real conversation, but they don’t want to be restricted by branch hours or physical location. Video appointments make it possible for someone to talk to a mortgage specialist during their lunch break, or for a small business owner to connect with a credit union advisor without leaving their office. Better Lobby takes this concept and brings it directly into the credit union world with its Video Appointment Module. Instead of relying on third-party apps or clunky plug-ins, the video experience is built right into the appointment system. Members can book an in-branch, phone, or video appointment using the same interface. For staff, it’s seamless: scheduling, notifications, and service tracking all happen in one place. How Better Lobby Video Appointments Work Scheduled Video Meetings: Members book a time online, through the branch, or via call center, just like a regular appointment—but meet virtually. Branch-to-Branch Video: A member in one location can connect to an expert in another branch, removing the need to have specialists everywhere. On-Demand Video Meetings: Members join a virtual lobby and connect with staff when available—ideal for quick needs that don’t require travel. This flexibility helps credit unions scale expertise. Instead of staffing every branch with a mortgage or investment specialist, one expert can serve multiple locations through video. That not only improves access for members but also makes staffing more efficient. Why It Matters for Credit Unions Credit unions compete on relationships. Members expect personal service, but they also expect convenience. Video banking bridges those expectations, giving them both. It’s also a powerful way to reach younger members who are comfortable with video calls but still want human advice when making financial decisions. And here’s the bigger picture: Better Lobby’s video features don’t stand alone. They integrate with appointments, lobby management, kiosks, and online queues. That means the entire member journey—from booking to check-in to meeting—flows together smoothly, whether it happens in person, on screen, or both. Key Takeaway Video banking is no longer optional—it’s essential. Members want the trust of a face-to-face meeting and the flexibility of digital channels. With Better Lobby’s integrated Video Appointment Module, credit unions can deliver both: building stronger relationships, reaching more members, and competing effectively in a world where convenience rules. Branches plus video = the future of member service.   The following section is the original post from Febuary 2015. While some product names and screenshots may be outdated, we’ve kept it here for historical reference. Speaking to a financial expert face-to-face is an essential step in any member’s financial life, particularly when it relates to high value services and big financial decisions such as mortgages and auto loans. Video conferencing is growing in credit union branches and some FIs are even taking it to another level and allowing consumers to arrange meetings via their PCs or mobile devices. Case in point: Barclays Video Banking in the UK follows on from the success of video technology available in a number of UK branches by rolling out of face-to-face video platforms to connect customers to banking experts from their mobile or desktop. Key Takeaway: Video banking gives members the chance to combine the confidence they get from a face-to-face meeting with the convenience of scheduling and holding those meetings on their own terms.

Branches and Mobile – A Perfect Pair

[Updated September 2025] A decade ago, many predicted that mobile banking would make physical branches obsolete. Yet the numbers tell a different story. According to a survey by ORC International, 88% of American adults said they still needed a physical branch for their banking needs. Even more striking, 84% believed that five years into the future, they would still want access to a branch for face-to-face interactions. Why? Because while mobile is fast and convenient, branches provide something no app can fully replace: human connection. When it comes to complex financial matters—buying a home, consolidating debt, or planning for retirement—members want the reassurance of speaking directly to a person they trust. Mobile and Branches Aren’t Opposites As Marina Stein, Senior Research Analyst at ORC, put it:“Consumers want both options – the ability to interact on-the-go and on their own schedule via mobile and online offerings, as well as the option to be able to have face-to-face engagements for more complex issues.” This is the reality for credit unions today. Mobile and branch channels aren’t competitors—they’re complements. Together, they create a full-service member experience that balances convenience with personal attention. Better Lobby’s Role: Connecting the Channels At Better Lobby, we recognized this synergy years ago when we created the Mobile Appointment Booking Tool. Here’s how it bridges the gap: From mobile to branch: Members can book appointments directly from their phones, choosing the branch, date, and service they need. Seamless staff visibility: Appointments automatically appear in the Better Lobby Appointment Calendar, visible to staff across the organization. Prepared service: Staff know who is coming in, why they’re visiting, and what to prepare—resulting in smoother, more valuable conversations. This integration ensures that members get the flexibility of mobile scheduling while still receiving the in-branch service they expect. Why It Matters Now More Than Ever Even as digital adoption skyrockets, branch traffic hasn’t disappeared—it has evolved. Members now use branches more selectively, reserving in-person visits for their most important financial decisions. This makes every interaction more meaningful, and appointments are the best way to make sure those moments count. For credit unions, the lesson is clear: Don’t choose between mobile and branch. Invest in tools that connect them. Prioritize appointments. They ensure efficiency, reduce wait times, and improve member satisfaction. Leverage both channels. Mobile drives convenience, while branches deliver trust and sales opportunities. Key Takeaway Mobile and branch channels aren’t separate—they’re two sides of the same coin. By combining them with Better Lobby’s Mobile Appointment Booking Tool and Appointment Calendar, credit unions can deliver service that is flexible, efficient, and personal. The future of member engagement is not “branch or mobile.” It’s both, working together. The following section is the original post from July 2015. While some product names and screenshots may be outdated, we’ve kept it here for historical reference. According to a new survey by Orc International, 88 percent of American adults feel they still need a physical branch location to go to for banking needs. Plus even as mobile banking improves and grows in both popularity and functionality, 84 percent of those surveyed still believe that they would like to have a branch to go to for face-to-face encounters in 5 years. Marina Stein, Senior Research Analyst, ORC International, notes that “despite the continued growth of mobile use, the need for physical branches remains constant. Consumers want both options – the ability to interact on-the-go and on their own schedule via mobile and online offerings, as well as the option to be able to have face-to-face engagements for more complex issues.” We acknowledged this synergy between the branch and mobile channels when we developed our leading edge Mobile Appointment Booking Tool. Appointments made using the Tool are recorded in Better Lobby Appointment Calendar and are visible to all Better Lobby staff users. Key Takeaway: While on the surface, the branch and the mobile channels are completely separate, they are actually complementary and are equally critical to every credit union’s current and future success.

Branches still offer the best opportunity for engagement

[Updated September 2025] Digital banking continues to dominate the conversation. Apps, online payments, and AI-driven chat support often grab the headlines. Yet, as Adam Schneider of Deloitte’s Center for Financial Services observed, branches remain “the most tangible representation of a bank’s capabilities and service” and “far more effective in communicating brand value than websites, which tend to all look alike.” Branches are more than physical locations—they’re symbols of trust, reliability, and brand identity. For members making major financial decisions—like mortgages, auto loans, or retirement planning—the branch is still the primary channel for building confidence and deepening relationships. So how do credit unions ensure that branches remain not only relevant but essential in the digital-first era? The answer lies in appointments, preparation, and integration. The Power of Prepared Interactions Walk-ins will always be part of branch life, but when members can schedule an appointment, the quality of the interaction improves dramatically: Staff come prepared. Knowing why the member is visiting allows MSRs or loan officers to gather documents and resources ahead of time. Members feel valued. Scheduled appointments reduce waiting and create a sense of priority. Conversations are deeper. Staff can focus on needs analysis, cross-selling, and financial guidance instead of scrambling to catch up. Every appointment is a high-value interaction—one that strengthens the relationship and often leads to new product sales. That’s why scheduling tools are quickly becoming a “must-have” feature for credit unions. How Better Lobby Makes Appointments Seamless Better Lobby was built to make this process effortless for both members and staff. Its Appointment Calendar and Mobile Appointment Booking Tool work together to create a seamless experience: Enterprise-wide visibility: Branches and staff see a shared calendar of appointments, ensuring resources are balanced and no opportunities are missed. Member-friendly booking: Members can schedule visits from their phone, tablet, or computer at any time, choosing the branch, service type, and staff member if needed. Reminders and confirmations: Automated notifications keep members on track and reduce no-shows. Staff preparation: MSRs and loan officers have all the information they need before the meeting, making them more productive and able to provide personalized solutions. When combined, these tools transform branches into centers of engagement—organized, efficient, and member-focused. Branches as Part of Omnichannel Strategy While branch traffic has declined in some markets, branches still drive the highest sales per interaction. The key is to integrate them into an omnichannel strategy where digital and physical channels reinforce each other. Mobile directs traffic to branches. Booking an appointment online or via mobile ensures the member arrives ready. Branches deliver the human connection. Staff provide expertise, empathy, and reassurance that digital alone cannot. Data ties it all together. Insights from appointments feed into dashboards and reporting, helping leaders understand member needs and optimize staffing. This isn’t about branches competing with mobile—it’s about branches working with mobile to create a seamless journey. Key Takeaway Branches are still one of the strongest tools credit unions have to define their brand and build member loyalty. But to maximize their impact, appointments are essential. With Better Lobby’s appointment tools, credit unions can transform branch visits from routine transactions into meaningful, personalized experiences that grow relationships and drive sales. In the digital age, the most powerful strategy isn’t choosing between online and branch—it’s making them stronger together. The following section is the original post from July 2015. While some product names and screenshots may be outdated, we’ve kept it here for historical reference. In a recent Wall Street Journal article, Adam Schneider, senior advisor to Deloitte’s Center for Financial Services, had some interesting observations: “Branches remain vital to defining brand image and are still the most tangible representation of a bank’s capabilities and service. They are far more effective in communicating brand value than websites, which tend to all look alike. And they remain the primary channel for driving higher sales per interaction.” When you consider the high value of branch interactions, it only makes sense to use appointments to schedule them. Branch employees must be prepared to have an informed discussion of the member’s financial situation and needs, which is very difficult when walk-in members appear without an appointment. Our Better Lobby/Appointment Calendar provides an enterprise-wide, branch specific appointment calendar for each employee, making the creation and updating of member appointments seamless and easy. MSRs and loan officers are fully prepared for their meetings which make them more productive and increases their cross-selling and up-selling efforts. This module is especially powerful when paired with the Mobile Appointment Booking Tool that allows members to book their own appointments using any mobile device, tablet or computer. Key Takeaway: Branches remain a key piece of the member experience and having the ability to book appointments is rapidly become a “must-have” feature for credit unions looking to improve staff productivity, member loyalty, branch traffic flow and sales numbers

Mobile and Branch Ties Extended

[Updated September 2025] For years, industry experts have debated whether mobile banking would replace the branch. But what we’re seeing instead is something much more powerful: the two channels working together. Take Axis Bank in India as an example. They recently launched a mobile app that lets customers search for and reserve safe deposit boxes. Instead of making multiple trips to a branch, members can reserve space, gather documents, and arrive fully prepared. It’s a simple innovation, but it shows how mobile can complement branch service rather than replace it. Why Mobile + Branch Is the Winning Formula Members want convenience, but they also want human connection. That’s why the most forward-thinking financial institutions are designing mobile tools that guide members toward better in-branch experiences. The model is simple: Mobile gives flexibility. Members choose when and where they want service. Branches deliver trust. Staff provide personalized, face-to-face support. Together, they create efficiency. Less wasted time, smoother visits, and happier members. This combination is especially valuable for services that require preparation—whether it’s KYC documents for a safe deposit box in India or loan paperwork at a U.S. credit union. Better Lobby’s Approach: The Mobile Appointment Booking Tool At Better Lobby, we heard the same thing from credit unions: members want to easily book appointments at a time and place that works for them. That’s why we built the Mobile Appointment Booking Tool. This tool acts as the perfect bridge between mobile convenience and branch service. Here’s how it works: Members book appointments directly from their smartphones—no calls, no waiting. Automatic reminders prompt them to bring the right documents, preventing delays. Staff see appointments in advance, prepare accordingly, and deliver better service. Branch traffic is more balanced, reducing wait times and improving efficiency. Just like Axis Bank’s locker booking tool, Better Lobby’s appointment system takes something that could be frustrating and turns it into a streamlined experience. Why It Matters for Credit Unions Mobile booking tools aren’t just a tech trend—they’re fast becoming an expectation. As consumers get used to scheduling everything from doctor’s visits to restaurant reservations on their phones, they’ll expect the same from their credit union. For credit unions, this shift offers big benefits: Higher sales conversions: Members show up prepared, staff are ready, and the process is smoother. Improved member satisfaction: Convenience and personalization in one package. Operational efficiency: Reduced walk-in chaos and better use of staff time. Key Takeaway Mobile and branch aren’t competing—they’re converging. Tools like Better Lobby’s Mobile Appointment Booking bridge the gap, helping credit unions deliver service that’s both convenient and personal. The future of member service isn’t about choosing between digital and branch—it’s about making both stronger, together. The following section is the original post from August 2015. While some product names and screenshots may be outdated, we’ve kept it here for historical reference. The relationship between mobile and branch banking is evolving and it’s interesting to see the channel connections that some banks are making. Axis Bank, India’s third-largest private sector lender, demonstrates how the two work together with the launch of a new mobile application that allows its customers to search for and reserve safe deposit boxes. At Better Branches Technology, our customers told us that it was important for CU members to be able to easily create an appointment at a time and location convenient for them – so we developed our Mobile Appointment Booking Tool. The Booking Tool helps increase branch sales success by reminding visitors to bring the information necessary to their scheduled meeting, while Axis Bank’s tool reminds consumers to bring all of the KYC (know-your-customer) documents that are required to rent a new box. Key Takeaway: Innovative ways continue to be developed for consumers to use their mobile devices to interact with their FI’s branch network. These mobile booking tools will only continue to grow in popularity as consumers come to expect this type of convenience.

Building a bridge from mobile to the branch

[Updated September 2025] There’s no question—mobile banking is a runaway success. From checking balances to transferring money, members love the speed and convenience of doing business from their phones. And now, with mobile payments like Apple Pay becoming mainstream, the smartphone is playing an even bigger role in everyday financial life. But here’s the truth: mobile doesn’t replace branches. Even the most enthusiastic mobile users agree that there’s no substitute for sitting down with a trusted advisor when making important financial decisions. A Wells Fargo spokesperson summed it up perfectly: “Rational business decisions still dictate having a strong physical presence.” Why Members Still Value Face-to-Face Service Branches aren’t just about transactions anymore. Members of all ages visit their credit union when they: Need help with complex financial products like mortgages, auto loans, or retirement planning. Want reassurance from a real person before committing to a big financial decision. Prefer building personal, long-term relationships with their credit union staff. Face-to-face service builds trust in ways that apps can’t replicate. That’s why the future isn’t mobile or branch—it’s mobile + branch. The Missing Link: Mobile Appointments So how do credit unions connect the convenience of mobile with the trust of in-person service? The answer is simple: appointments. When members can schedule a branch visit right from their phone, everything gets easier: Members choose the time, location, and reason for their visit without needing to call. Branch staff see appointments in advance and can prepare, making the meeting smoother and more productive. Traffic is spread out more evenly, reducing lobby congestion and improving wait times. This isn’t just about convenience—it’s about maximizing the value of both channels. Mobile becomes the gateway, and the branch becomes the destination. How Better Lobby’s Mobile Appointment Tool Works Better Lobby created the Mobile Appointment Booking Tool to make this connection seamless. It’s designed specifically for credit unions and integrates directly with branch workflows. Key features include: Mobile-first design: Works on any smartphone, no app download required. Customizable scheduling: Members pick their branch, staff member (if applicable), and service type. Notifications: Automatic reminders via text or email reduce no-shows. Staff dashboards: Employees see their day at a glance, helping them prepare for each member visit. Data insights: Managers can review appointment patterns to optimize staffing and resource allocation. The result? A smoother branch experience for members and more efficient use of staff time. Why It Matters for Credit Unions This isn’t just a tech upgrade—it’s a strategy. By offering mobile appointment booking, credit unions: Improve sales conversions by ensuring members arrive prepared and staff are ready. Enhance service quality by reducing stress and confusion in the lobby. Control staffing costs by distributing traffic more evenly throughout the day. Strengthen member engagement by blending digital convenience with personal service. Key Takeaway Credit unions don’t have to choose between mobile and branch service—members want both. Better Lobby’s Mobile Appointment Booking Tool bridges the gap, turning smartphones into a direct link to branch staff. It’s a win for members, staff, and the credit union as a whole. The future of service isn’t about replacing people with technology—it’s about using technology to make people even more effective. The following section is the original post from April 2015. While some product names and screenshots may be outdated, we’ve kept it here for historical reference. Mobile banking has been a runaway success and now mobile payments are gaining traction with the release of Apple Pay and its accompanying media exposure. Yet even big fans of mobile must admit that it is critical for credit unions to maintain a branch presence in their communities. Credit unions that want to truly engage their members must recognize that there is no better form of engagement than face-to-face. A Wells Fargo spokesman put it well: “rational business decisions still dictate having a strong physical presence”. Members of all ages value the personal interactions that they can only receive at a branch. Many also love their mobile devices and the convenience of mobile banking. In order to facilitate these interactions, we built our Mobile Appointment Booking Tool. It acts as a perfect bridge between the member’s mobile device and the credit union’s branch staff. Key Takeaway: Our Mobile Appointment Booking Tool unites the mobile and branch channels in a way that positively impacts branch sales, member service quality, branch traffic flow and overall staffing costs.

Branch Appointments Optimize face-to-face interactions

[Updated September 2025] The future of the branch isn’t about replacing people with technology—it’s about using technology to make face-to-face interactions more meaningful. A new report from Celent, “Optimizing Face-to-Face Interactions: The Missing Link in Branch Channel Transformation,” makes this point clear. Celent’s research places digital appointment booking at the very top of branch transformation priorities, ranking it just behind customer experience surveys and process analytics. They even call these capabilities “proximate needs”—improvements that can’t wait for long-term strategies. Why Appointments Matter Right Now In an age of mobile-first convenience, members don’t want to wait in line or wonder if the right staff will be available when they arrive. They expect the same ease of booking a meeting with their credit union that they get when scheduling a haircut, a doctor’s appointment, or even a grocery pickup. Appointments benefit both members and staff: For members: Less waiting, smoother service, and confidence that their needs will be addressed. For staff: The chance to prepare in advance, focus on the right solutions, and deliver better cross-sell and upsell opportunities. For the credit union: Higher satisfaction, stronger loyalty, and more efficient use of branch resources. Without appointment tools, branches risk missing the mark on service at a time when every interaction counts more than ever. Better Lobby’s Fast, Affordable Solution The good news is that adding appointment booking doesn’t require years of planning or massive IT projects. With Better Lobby’s Branch Appointment Modules, credit unions can: Roll out appointment booking quickly—both online and mobile. Give members the power to schedule visits on their own time. Integrate seamlessly with staff calendars, ensuring everyone is on the same page. Improve branch traffic flow and reduce congestion during peak hours. These modules are designed to be affordable, fast to implement, and flexible enough to grow with your branch network. The Bigger Picture: A Branch That Works Like Digital Appointment booking is more than just a scheduling feature—it’s a signal that your credit union is adapting to member expectations. It bridges the gap between digital convenience and the trust of in-branch service, ensuring that branches remain relevant in an increasingly digital world. Key Takeaway Celent’s research is clear: appointment booking is a must-have. Credit unions don’t need to wait for a “future branch strategy” to get started—this is one upgrade that delivers immediate value. With Better Lobby’s appointment tools, credit unions can meet rising expectations today while laying the foundation for stronger, smarter branches tomorrow. The following section is the original post from August 2015. While some product names and screenshots may be outdated, we’ve kept it here for historical reference. Celent recently released a new report titled “Optimizing Face-to-Face interactions: The Missing Link in Branch Channel Transformation” and in it they examine future branch trends. The research firm confirms our view that branch appointment booking is a “must have” feature – in fact, it rates number three on their list: Branch customer experience surveys Desktop and process analytics Digital appointment booking They even go so far as to label these as “proximate needs” that demand immediate attention! Fortunately, our Branch Appointments Modules are both quickly implemented and affordable, which makes this is one need that can be readily checked off of any credit union’s must have service list. Key Takeaway: Now is the time to add mobile and online appointment booking to your branch networks. It is simply too important to wait until a “future branch strategy” can be fully formed and implemented.

Balancing Tradition and Technology: The Continuing Relevance of Credit Union Branch Locations

Despite the rapid advancement of technology in the banking sector, credit union members continue to express high levels of satisfaction with their institutions. According to the Credit Union Satisfaction Index 2015 by CFI Group, credit unions consistently rank among the highest in terms of customer satisfaction. While online and mobile banking have become increasingly influential factors in member satisfaction, the importance of physical branch locations remains surprisingly strong. Understanding Member Satisfaction The CFI Group’s report sheds light on the factors driving member satisfaction within credit unions. Unsurprisingly, online and mobile banking platforms play a significant role in shaping the overall member experience. These digital channels offer convenience and accessibility, allowing members to manage their finances anytime, anywhere. However, despite the rise of digital banking, the importance of physical branch locations cannot be overstated. The Resilience of Branch Locations Contrary to expectations, the report reveals that branch locations maintain their significance in the eyes of credit union members. Only a small percentage of respondents—11%—consider branch locations to be of little or no importance. This finding underscores the enduring value of in-person interactions and the role that physical branches play in fostering trust and building relationships with members. Embracing Convenience and Connectivity The modern banking landscape is characterized by a blend of traditional and digital channels, each offering unique benefits to members. Recognizing the importance of both physical branches and digital platforms, credit unions are exploring innovative ways to marry these channels seamlessly. One such solution is the implementation of online and mobile branch appointment setting applications. Introducing Mobile Appointment Booking Tools Mobile appointment booking tools offer credit unions a practical means of bridging the gap between physical and digital channels. These applications empower members to schedule branch appointments conveniently from their smartphones or tablets, enhancing accessibility and streamlining the branch visit experience. By leveraging such tools, credit unions can meet the evolving needs of their members while maintaining the personal touch of in-person interactions. Benefits of Mobile Appointment Booking The adoption of mobile appointment booking tools brings numerous benefits for both credit unions and their members. For credit unions, these tools optimize branch resources, reduce wait times, and improve overall operational efficiency. Additionally, they enhance member satisfaction by offering a convenient and hassle-free appointment scheduling process. Enhancing Member Experience From the member’s perspective, mobile appointment booking tools contribute to a more seamless and personalized branch experience. Members can schedule appointments at their convenience, ensuring dedicated time and attention from branch staff upon arrival. This personalized approach fosters stronger relationships between credit unions and their members, ultimately driving loyalty and retention. Key Takeaways In an era marked by technological innovation, the importance of physical branch locations in the credit union industry remains steadfast. While online and mobile banking platforms offer unparalleled convenience, the personal touch of in-person interactions cannot be replaced. By embracing solutions such as mobile appointment booking tools, credit unions can effectively marry tradition and technology, delivering a superior member experience that transcends digital boundaries.

Empower Your Members with Mobile Booking

[Updated August 2025] Members want convenience—and that means being able to book appointments anytime, anywhere from their phones. That’s why Better Lobby’s Mobile Appointment Booking Tool is designed with the modern credit union member in mind. Whether it’s applying for an auto loan, updating account information, or meeting with a financial advisor, Better Lobby makes it easy and intuitive for members to get the help they need—on their schedule. What Members Can Do with Mobile Booking: 📱 Choose Their TopicFrom loans to new memberships, members select the reason for their visit upfront. 📍 Pick a BranchThey can choose the most convenient location, whether near home or work. 🕒 Select a Time and Staff MemberMembers choose the time that works for them—and even the staff they’d like to meet with. Why Credit Unions Love It ✅ Responsive Design: Works seamlessly on any smartphone or tablet.✅ Custom Branding: Upload logos, set brand colors, and tailor the member experience.✅ Real-Time Scheduling: Automatically syncs with staff calendars and updates availability.✅ Data Insights: Track booking trends and member demand with integrated dashboards and reports. Connected to the Full Better Lobby Suite The Mobile Booking Tool is just one piece of the puzzle. It integrates with: In-Branch Kiosks Online Queueing Flexible Branch Video Appointments Wall Display Systems This means members get a smooth, consistent experience—no matter how they check in. Key Takeaway Mobile isn’t just the future—it’s the now. Better Lobby’s Mobile Booking Tool gives your credit union the power to serve members where they are: on their phones and in control. Want to see how it works? Let’s talk.   The following section is the original post from August 2014. While some product names and screenshots may be outdated, we’ve kept it here for historical reference. We are pleased to announce the launch of our Mobile Booking Tool. The Tool conveniently extends our Branch Appointment Calendar to the Mobile/Web channel so that members can book their own appointments on-line. It’s built specifically for Credit Unions. It’s easy for members to use; through an intuitive design, they are guided to appointment topic (i.e. auto loan), branch of choice, date, time, and even staff member selection. Because the software was built with best-of-breed responsive design technology that ensures that page content automatically displays correctly, the credit union can support every smartphone and tablet on the market with a small number of web pages. Rick Poulton, President of Better Branches, states that “We are convinced that the importance of providing easy access to one-on-one appointments with staff will only grow as members increase their use of mobile devices to manage their finances and organize their lives.” Learn more about Mobile Appointment Booking Tool

Call Centers and Branches means Better Member Experience

[Updated August 2025] As more financial institutions shrink their branch networks, call centers are becoming the front line for member support. But for credit unions to keep delivering great service, something important needs to happen:Call centers and branches need to work as one team. That’s where Better Lobby comes in. One Appointment Calendar, Many Ways to Help When a member calls to book or change an appointment, they shouldn’t have to wait until morning to hear back from a branch.With Better Lobby’s Appointment Calendar, call center staff can book or update appointments instantly, just like in-branch staff. Everyone shares the same easy-to-use scheduling tool. This works across every appointment type: In-person Video meeting Phone call Better Lobby also supports custom appointment types, so your team can stay aligned no matter what the member needs. Why It Matters When your call center and branch staff share the same tools: Members get faster, more consistent service Staff are more efficient, no matter where they work There’s less confusion, missed appointments, or duplicated effort Added Bonus: Video Rooms and Remote Service Better Lobby’s Flexible Branch Video Module makes it easy to set up video appointments between members and staff—whether they’re in the same building or across the state.With new video rooms, you can even dedicate quiet spaces at your branches for scheduled virtual meetings with off-site team members. Key Takeaway The future of member service is blended.Your branch and call center teams should work from the same playbook. With Better Lobby’s shared appointment tools and video meeting features, it’s easier than ever to offer seamless, professional service—no matter where your members are.   The following section is the original post from October 2013. While some product names and screenshots may be outdated, we’ve kept it here for historical reference. Industry analysts predict that call center volumes will increase as some financial institutions reduce their branch networks. If that is the case, these two channels must become more closely integrated – the “universal banker” in the branch must be supported by the “universal agent” in the call center. Just as the branch of the future will certainly become more sales-oriented, the contact center must as well. To pave the way for this cooperation, we developed the Better Lobby Appointment Calendar. This affordable and easy-to-use solution helps standardize all member-facing branch employees on a single scheduling application. For example if a member contacts the call center after branch hours to change an appointment, it can be done right then, on the spot! Key Takeaway: The branch and the contact center must work together to better serve members at their convenience, and this scenario is greatly facilitated by an enterprise-wide, branch specific appointment calendar for each employee.

The Rise of Universal Bankers: How Better Lobby Supports the Modern Credit Union Branch

[Updated May 2025] The Rise of Universal Bankers: How Better Lobby Supports the Modern Credit Union Branch As credit unions continue to evolve, so do their branches. What used to be focused on basic transactions is now shifting toward personalized service and deeper member engagement. Many credit unions are adopting a universal banker model, where staff are cross-trained to handle a wide range of member needs—from opening accounts and processing loans to assisting with digital tools and financial guidance. This shift calls for a smarter way to manage staffing, member flow, and service delivery. That’s where Better Lobby steps in. What Is a Universal Banker? Universal bankers are flexible, multi-skilled staff who can perform both teller and member service roles. Instead of waiting in separate lines for different services, members can meet with a single team member who’s trained to help them from start to finish. It’s more efficient for both the credit union and the member—and it aligns perfectly with the modern “sales and service center” approach many branches are moving toward. The Challenge: Managing Staff Flexibly and Effectively As the roles of staff expand, so does the need for better workforce coordination and member service tools. Traditional spreadsheets and calendars just aren’t enough to handle today’s complex scheduling, service tracking, and branch performance measurement. Better Lobby: Built for the Universal Banker Era Better Lobby’s flexible tools are designed to support this modern branch environment: ✅ Staff Availability Scheduling Our Staff Availability feature in the Appointments module lets managers easily assign staff availability by skill, location, or schedule. You can make sure the right team members are available when and where they’re needed—without overbooking or manual tracking. 📅 Appointment Booking Members can book appointments online, selecting the service they need. Better Lobby ensures those appointments are automatically routed to available staff with the right qualifications. 📊 Dashboards and Reports Get real-time insights into staff productivity, appointment types, and member traffic across branches. This helps you optimize staffing levels, track performance, and support universal bankers with actionable data. 🧑‍💻 Remote Manager View Manage multiple branches from a single screen. Whether you’re on-site or remote, you can monitor service levels, see which staff are helping members, and quickly reassign resources if a branch is busy. 💬 Queue Management and Kiosks Members can check in through a kiosk, mobile phone, or online, and be routed to the next available universal banker. This keeps lobbies flowing smoothly and lets staff work more efficiently across roles. Key Takeaway As credit unions shift to a universal staffing model, having the right tools in place is essential. Better Lobby provides an all-in-one solution for managing appointments, tracking service activity, and optimizing staff productivity—without the need for messy spreadsheets or manual scheduling. By giving your team the tools to be flexible, data-driven, and responsive, you can deliver the high-touch, modern service members expect—whether in person, over video, or through mobile.   The following section is the original post from September 2013. While some product names and screenshots may be outdated, we’ve kept it here for historical reference. As branches evolve and are repositioned into sales centers versus transaction centers, many FIs are moving to a ‘universal’ model for their branch staff. Research firm Novantas notes that with self-service and alternative technologies growing rapidly, many institutions are seeing as much as a 10% per-year reduction in branch transactions. The teller line and the platform staff are merging and these universal bankers will have to be able to efficiently and knowledgeably walk visitors through products and services and help them with more complex issues. In addition to expanding the range of functions that these universal bankers perform and more adept at using even more technology, branch workers will have to become more flexible with scheduling. This is especially true as branch personnel work harder to fill the demand for longer and expanded branch hours. The Staff Availability feature of our Better Lobby/New Accounts module was developed with this trend in mind (read more about Workforce Management). Key Take Away: As branches evolve and universal bankers become more common, workforce management software will be needed to closely assess staff utilization and productivity. In this environment, spreadsheets simply won’t work.

Mobile First—But Branches Still Matter

[Updated August 2025] Mobile banking is everywhere—and most members can’t go a day without their smartphone. According to Bank of America, nearly half of U.S. consumers say they wouldn’t last 24 hours without it. With over 15 million mobile users, their app gets more than 165 million logins per month. But here’s what might surprise you:84% of people still visit a branch every six months—even younger members in the 18–34 age range. What Does This Mean for Credit Unions? It means credit unions must deliver digital-first convenience while keeping branches efficient and welcoming. That’s where Better Lobby comes in. How Better Lobby Supports Both Mobile and Branch Needs ✅ Mobile Appointment Booking – Let members schedule from their phones, with options for in-person, video, or phone meetings. ✅ Online Queueing & Check-In – Members can join the queue remotely and check in when they arrive—no waiting in line. ✅ Kiosks & Wall Displays – Self check-in tablets and real-time wait displays keep things moving inside the branch. ✅ Dashboards & Reports – See how mobile usage impacts in-branch visits and adjust staffing accordingly. Digital Convenience + Human Connection Your members love their phones—but they still trust your branches.Better Lobby helps you bridge the gap so members can engage how they want, when they want. Key Takeaway Smartphones may be essential, but so is human service. Better Lobby helps credit unions combine mobile convenience with branch support to meet member expectations—at every touchpoint.   The following section is the original post from July 2014. While some product names and screenshots may be outdated, we’ve kept it here for historical reference. Almost half of U.S. consumers admit they would not last a day without their smartphone, and many consider their devices more important than daily staples such as coffee and television, according to a new report released by Bank of America. The mega-bank has more than 15 million active mobile banking users who access their accounts on a mobile device over 165 million times per month. Despite these impressive numbers, visits to branches also remain high: 84% of their survey respondents have visited a branch within the past six months. To many people’s surprise, this is true among all the age groups polled, with nearly the same percentage of millennials ages 18-34 saying they have visited a branch in the past six months as those ages 35 and older. Key Takeaway: Despite the popularity of online banking and the rapid growth of mobile banking, American adults in all age groups still like the stability of a freestanding branch.

Modern Branches Need Modern Tools: How Better Lobby Helps Credit Unions Serve Members Better

[Updated August 2025] Modern Branches Need Modern Tools: How Better Lobby Helps Credit Unions Serve Members Better It’s true—online and mobile banking have changed the way members interact with their credit union. But while branch traffic may be lower than it once was, the physical branch still matters. Especially for life’s big moments—opening an account, applying for a loan, or getting financial advice—members want a face-to-face connection. That’s why today’s branches are being redesigned to be smarter, smaller, and more welcoming—more like a helpful retail experience than a traditional transaction center. But making the branch feel modern isn’t just about furniture or layout. It’s about how the member is greeted, how smoothly their visit goes, and how empowered staff are to deliver great service. And that’s where Better Lobby comes in. Ditch the Clipboard, Go Digital Members walking into a modern branch no longer expect to see a clipboard and a long wait. They want to be acknowledged quickly and served efficiently—ideally with the same ease they experience on mobile. Better Lobby Kiosk 3.0 is designed for just that. Whether using a self-check-in kiosk, a mobile link, or a QR code, members can check in their way. They’re instantly added to the queue and routed to the right staff—no confusion, no missed turns. Serve Smarter, Not Slower Here’s how Better Lobby helps your branch feel modern and run smarter: ✅ Self Check-In Kiosk Members check themselves in using a tablet or touchscreen. It’s fast, intuitive, and eliminates the need for a greeter with a clipboard. 📱 Mobile Check-In & Online Queuing Let members join the queue from their phone before they even walk through the door. Their drive time becomes their wait time. 📅 Appointment Booking Allow members to book appointments in advance, choosing the service they need and the time that works for them. Better Lobby ensures they’re matched with the right staff. 🖥️ Wall Display Showcase an organized, digital queue in your lobby. Members see their place in line, which reduces stress and confusion. 🧑‍💼 Flexible Branches & Video Appointments Support remote video or audio meetings with staff at other branches—or even from home. Ideal for hybrid services and rural communities. A Culture Shift, Not Just a Tech Upgrade Moving to a modern branch model isn’t just about updating your technology. It’s about creating a more welcoming, seamless experience for members—and giving your team the tools to work efficiently. From better first impressions to smarter staffing and analytics, Better Lobby is designed to help credit unions on this journey. Key Takeaway The journey to a retail-style, member-friendly branch starts with modern service tools. Better Lobby makes that journey easier by replacing outdated check-in processes with flexible, digital-first solutions that meet members where they are—whether that’s in the lobby, on their phone, or over video. Want to learn how Better Lobby can modernize your branch experience?Let’s talk about how we can help you serve members better—anywhere, anytime.   The following section is the original post from September 2013. While some product names and screenshots may be outdated, we’ve kept it here for historical reference. Not much is more frustrating for a branch visitor than to step into the lobby of a crowded branch and realize that they are facing a long, boring wait. The negative results can go viral almost instantly – with smartphones in hand they can tweet or post their negative comments on Facebook, Yelp, Foursquare, etc while in line or your waiting area. Of course, appointment scheduling can dramatically help remedy this situation, as would the ability to provide your members with real-time updates of “Visitors Waiting” and “Longest Wait” at each of your branches. Using our Mobile Wait Indicator, they can simply log-in to your corporate website and view compatible Mobile web pages to easily obtain this valuable time-saving information. Key Takeaway: Minimize the risk of bad PR caused by long lines in your branches by making an affordable investment in appointment scheduling software that improves service, reduces costs, and increases sales.

4 Productivity Myths—and How Better Lobby Helps Bust Them

[Updated August 2025] In a brief but insightful article, William Heitman highlights four common misconceptions about bank productivity. His points are still relevant today—and modern credit unions can address them more effectively than ever using tools like Better Lobby. Let’s break them down and see how Better Lobby helps your credit union move beyond the myths: 1. “Non-Technology Work Can’t Be Improved” Reality: Many manual tasks—like check-ins, member routing, or appointment coordination—can be optimized with the right software. ✅ Better Lobby’s Self Check-In Kiosks and Wall Displays remove bottlenecks in your lobby, making both members and staff more efficient. 2. “Front-Office Staff Resist Change” Reality: Staff want tools that make their jobs easier—not harder. Resistance often comes from clunky systems. ✅ Better Lobby’s intuitive modules (like Appointment Booking, Online Queueing, and the Staff Calendar) are easy to learn and streamline daily workflows, giving staff more time to focus on members. 3. “Back-Office Improvements Are Always Tech-Driven” Reality: True improvements come from better processes, not just more tech. ✅ Better Lobby Dashboards, Reports, and Data Dictionary tools connect marketing and operations to real-time branch data—without complex IT overhauls. 4. “Fixing Small Tasks Isn’t Worth It” Reality: It’s often the little frustrations—like unclear queues, missed appointments, or inconsistent member experiences—that add up. ✅ Features like real-time wait updates, deep links for direct scheduling, and custom branding across modules help remove friction in the member journey. Key Takeaway: The myths around productivity are just that—myths. With Better Lobby, credit unions can unlock real efficiency gains by improving front-line interactions, streamlining back-office processes, and using data to drive better service. It’s not about doing more. It’s about doing better.   The following section is the original post from November 2014. While some product names and screenshots may be outdated, we’ve kept it here for historical reference. William Heitman writes a short, but accurate article about the four misconceptions about bank productivity. In it he discusses “nontechnology work activities”, “perceived front office improvement resistance”, “ back office technology improvement” and “improving troublesome tasks”.  Thanks William – a great read. To see the entire article at American Banker

Why Mobile Appointment Booking Is the Fastest Way to Modernize Your Branch

[Updated August 2025] Despite years of predictions about the “death of the branch,” a new report by Celent suggests otherwise: ✅ 40% of financial institutions plan to add branches ✅ 33% expect no change in branch count ❌ Only 25% expect a decline Branches are here to stay—but the way they function is changing. Today’s credit unions are challenged to create a seamless connection between digital and in-branch experiences. But there’s a gap between ambition and execution. Celent found that few financial institutions offer: Online discounts or rewards Video or text chat options And even fewer—online/mobile appointment booking Enter: Better Lobby’s Appointment Tools Of all the digital upgrades, appointment scheduling is one of the fastest, easiest, and most cost-effective ways to: ✅ Boost branch sales✅ Improve member service✅ Enhance staff efficiency✅ Link your digital channels to your physical branches With Better Lobby’s Appointment Booking Tools, members can schedule from their phone, tablet, or desktop—and staff can prepare in advance for every meeting. Want to improve both your digital presence and your branch performance?Start with online appointment booking—it’s the bridge your credit union needs. Key Takeaway:Branches aren’t going away, but expectations are rising. With Better Lobby, you can modernize your member experience today—without overhauling your entire tech stack.   The following section is the original post from June 2015. While some product names and screenshots may be outdated, we’ve kept it here for historical reference. Celent has released a new report, titled, Retail Banking Channel Systems in North America: The Quest for Omnichannel Continues. In it, their survey reveals some interesting branch trends in North America: a third of surveyed FIs expect no change in branch count over the next five years, 40% expect a net add in branches, just 25% of FIs forecast a decline in branch count. It appears that the branch is far from “dead”! Of course, they also found that most FIs are actively looking to expand their digital offerings, and actively engage consumers via online and mobile channels. Yet the research firm believes that capabilities are lagging these desires. Case in point: 1) less than one in five FIs offer shopping coupons, discounts, or rewards programs online; 2) fewer offer text or video chat options; and 3) fewer still offer online/mobile appointment booking. Key Takeaway: Of the 3 points listed above, online/mobile appointment booking presents the easiest path to driving branch sales, boosting member service levels, improving staff productivity, and creating a positive link between your branches and your digital channels.

Why Branches Still Matter in a Digital World

[Updated August 2025] In today’s digital-first banking landscape, it’s easy to assume that members only care about mobile apps and online access. But recent insights from the CFI Group tell a more complete story—and it’s one Better Lobby has been helping credit unions address for years. What the Data Says While mobile and online tools top the list for daily interactions, branch locations and in-person service are still critical when it comes to member satisfaction and acquisition. In fact:📍 Convenient branches are one of the top reasons members choose a credit union.👥 In-branch service quality scores incredibly high, showing that personal interactions still drive member loyalty. So how can credit unions balance both worlds? That’s where Better Lobby’s tools come in. Bridging Digital and In-Branch with Better Lobby Better Lobby gives your credit union everything it needs to seamlessly connect mobile convenience with in-branch excellence: ✅ Mobile Appointment BookingLet members schedule meetings with staff from their phone—before they ever walk in. ✅ Online QueueingTurn drive time into wait time. Members can join the line remotely and arrive just in time. ✅ Kiosk Check-In & Wall DisplaySpeed up check-in, reduce lobby congestion, and improve transparency with digital signage. ✅ Flexible Branch Video AppointmentsServe members face-to-face—even if your experts are working from another branch. ✅ Branch-Level Dashboards & ReportsUse real-time data to manage staffing, optimize wait times, and support top-notch service. Key Takeaway Branches still matter—but how they function is evolving. With Better Lobby, your credit union can offer the digital tools members expect while preserving the personal service they love. It’s not about choosing between in-person and online—it’s about making both work better together.   The following section is the original post from August 2014. While some product names and screenshots may be outdated, we’ve kept it here for historical reference. Since 1988, the CFI Group has been a leading provider of consumer feedback insights through analytics. The firm’s second installment of their Credit Union Satisfaction Index just found that online and mobile banking is more important than any other aspect of the member experience. No surprises there! However if you dig deeper into the report, you will find that while mobile and online banking obviously play a crucial part in member satisfaction, branches remain key to member acquisition. In fact, the convenience of a branch’s location is one of the top member considerations when joining a credit union, and a CFI spokesperson stated that “even though the vast majority of members are using online and mobile banking, members still want the convenience of a nearby branch, exceptional service and the ability to access their accounts in-person if they choose to do so.” Key Takeaway: Branch staff and branch convenience together accounted for nearly half of the overall leverage on satisfaction. Branch staff also plays a valuable role with a score of 92, reflecting members’ ongoing delight with the way they are treated during a branch visit. With these important facts in mind, consider making mobile and online appointment setting capabilities a priority at your credit union.

Modern Branches Need Modern Tools: How Better Lobby Helps Credit Unions Serve Members Better

[Updated August 2025] Modern Branches Need Modern Tools: How Better Lobby Helps Credit Unions Serve Members Better It’s true—online and mobile banking have changed the way members interact with their credit union. But while branch traffic may be lower than it once was, the physical branch still matters. Especially for life’s big moments—opening an account, applying for a loan, or getting financial advice—members want a face-to-face connection. That’s why today’s branches are being redesigned to be smarter, smaller, and more welcoming—more like a helpful retail experience than a traditional transaction center. But making the branch feel modern isn’t just about furniture or layout. It’s about how the member is greeted, how smoothly their visit goes, and how empowered staff are to deliver great service. And that’s where Better Lobby comes in. Ditch the Clipboard, Go Digital Members walking into a modern branch no longer expect to see a clipboard and a long wait. They want to be acknowledged quickly and served efficiently—ideally with the same ease they experience on mobile. Better Lobby Kiosk 3.0 is designed for just that. Whether using a self-check-in kiosk, a mobile link, or a QR code, members can check in their way. They’re instantly added to the queue and routed to the right staff—no confusion, no missed turns. Serve Smarter, Not Slower Here’s how Better Lobby helps your branch feel modern and run smarter: ✅ Self Check-In Kiosk Members check themselves in using a tablet or touchscreen. It’s fast, intuitive, and eliminates the need for a greeter with a clipboard. 📱 Mobile Check-In & Online Queuing Let members join the queue from their phone before they even walk through the door. Their drive time becomes their wait time. 📅 Appointment Booking Allow members to book appointments in advance, choosing the service they need and the time that works for them. Better Lobby ensures they’re matched with the right staff. 🖥️ Wall Display Showcase an organized, digital queue in your lobby. Members see their place in line, which reduces stress and confusion. 🧑‍💼 Flexible Branches & Video Appointments Support remote video or audio meetings with staff at other branches—or even from home. Ideal for hybrid services and rural communities. A Culture Shift, Not Just a Tech Upgrade Moving to a modern branch model isn’t just about updating your technology. It’s about creating a more welcoming, seamless experience for members—and giving your team the tools to work efficiently. From better first impressions to smarter staffing and analytics, Better Lobby is designed to help credit unions on this journey. Key Takeaway The journey to a retail-style, member-friendly branch starts with modern service tools. Better Lobby makes that journey easier by replacing outdated check-in processes with flexible, digital-first solutions that meet members where they are—whether that’s in the lobby, on their phone, or over video. Want to learn how Better Lobby can modernize your branch experience?Let’s talk about how we can help you serve members better—anywhere, anytime. The following section is the original post from September 2013. While some product names and screenshots may be outdated, we’ve kept it here for historical reference. Although mobile and online banking, coupled with changing consumer behaviors, are reducing overall traffic to branches, the branch is still important to many consumers. New Branches are being designed with greater consideration of the retail experience as well as the transactional efficiency. Along with this physical re-design, there comes a cultural and organizational change. Visitors to these smaller, more efficient and more effective branches will expect to be served in high tech manner which means that the traditional lobby check-in clipboard will go the way of the buggy whip. We have been on this journey with credit unions since 2003 when we introduced our Better Lobby/New Accounts solution that quickly and easily queues branch visitors for platform service by the first staff member to greet them or via a high tech Kiosk (in fact, we just released Kiosk 3.O). Key Takeaway: Moving to the new retail-friendly branch is a journey, not a destination, and this journey will be much easier with the help of lobby automation software.

Appointment Calendars Help Smooth Out Branch Traffic

[Updated May 2025] Branch traffic isn’t what it used to be. In the past, managers could count on peak traffic during lunch breaks or around payday. But recent studies show branch visits are flattening—coming in at more unpredictable times and days. This makes staff scheduling harder and service consistency more challenging. But there’s good news: credit unions using Better Lobby’s Appointment Booking module are already staying ahead of the trend. Why Appointments Are a Win-Win Whether it’s for opening an account, applying for a loan, or getting financial advice—appointments help both members and staff: ✅ Members love the convenience: They know when they’ll be seen and don’t have to wait.✅ Staff can plan better: No more guessing how busy the day will be.✅ Managers gain visibility: With Better Lobby’s reporting, you can see what services are in demand and when.✅ Branches run more smoothly: Less waiting. More doing. Flexible Features for Today’s Credit Union Better Lobby’s Appointment Calendar includes: Branch-by-branch setup Remote, phone, or in-person appointments Custom appointment types Staff availability controls Mobile-friendly booking links Everything’s built to make life easier for your members—and your team. Looking Ahead Appointments won’t just be a “nice to have.” They’re becoming the standard way members interact with their credit union. If your team is still relying on walk-ins and guesswork, now’s the time to modernize with Better Lobby’s Appointment Booking tools. Key Takeaway Appointments help flatten the chaos of unpredictable traffic and give credit unions the tools to deliver better service, every day. With Better Lobby, it’s easy to get started—and even easier to scale.   The following section is the original post from March 2014. While some product names and screenshots may be outdated, we’ve kept it here for historical reference. Some recent industry studies have shown a flattening of branch traffic patterns, both in the time of day and the day of the month. Because of this trend senior managers are having a much more difficult time scheduling branch employees. While branch walk-ins currently exceed appointments at many branches, the use of appointments will grow in the future. Appointments are a win-win: members get better service and staff efficiency levels improve dramatically. Our Branch Appointment Calendar module establishes the infrastructure – in an affordable manner – for these positive changes to occur. Key Takeaway: Our Appointment Calendar module will help CUs evolve their branch network to meet the changing expectations of their members in way that reduces costs, improves member satisfaction and increases sales.

Online Appointment Booking Is Now the Global Standard – Is Your Credit Union Ready?

[Updated August 2025] From major U.S. banks to British institutions like Lloyds Bank, online appointment booking is going global. In the UK, Lloyds now lets customers schedule branch appointments in real time via the web or mobile—choosing the day, time, and even receiving SMS or email reminders. This shift isn’t just a trend. It’s a transformation in how consumers expect to engage with their financial institutions—they want flexibility, control, and convenience. Better Lobby: Real-Time Appointment Booking Built for Credit Unions At Better Lobby, we’ve been helping credit unions meet this growing demand for years with our Mobile Booking Tool and Appointment Calendar modules. These tools allow your members to: ✅ Book appointments online or by mobile, anytime, anywhere✅ Choose a branch, date, time, and staff member✅ Receive confirmation and reminders via email or text✅ Sync seamlessly across teams, whether in-branch or in your contact center Whether it’s applying for a loan, opening an account, or just needing face-to-face service—members appreciate knowing they’ll be helped when it works best for them. Make It Part of Your Strategy As Lloyds’ Digital Director said: “There are some things that some people just prefer to do face to face.” And he’s right. Even in a mobile-first world, branches still matter—especially when paired with smart, self-service digital tools. Key Takeaway:With Better Lobby, your credit union can match—and exceed—the convenience offered by global banks. Online appointment booking is no longer optional—it’s expected. Let’s help your CU deliver it with ease.     The following section is the original post from October 2014. While some product names and screenshots may be outdated, we’ve kept it here for historical reference. The big British banks are now following their trend-setting American counterparts with news that Lloyds Bank has rolled out an online system that lets customers book branch appointments in real-time. News reports  state that this is a first in the United Kingdom. In action, customers can pick a branch and appointment time – from the following day to up to three weeks in the future – online or through their mobile phone. The service is also configured to send users SMS and/or email reminders of their appointment. In a press release, Adrian Bryant, digital director, Lloyds Bank, stated: “The new online appointment booking system will give customers convenient access to our branches. There are some things that some people just prefer to do face to face. So we’re using technology to improve that process for everyone while recognizing people’s varying needs.” Key Takeaway: Online appointment booking is fast becoming a reality in the US in most areas of our society and is spreading around the world. That is because by empowering consumer appointments through websites and mobile devices, organizations of all sizes dramatically improve the consumer experience, loyalty and revenue opportunities.

Level the Digital Playing Field with Mobile Appointment Booking

[Updated August 2025] Many younger consumers think only big banks offer cutting-edge digital experiences. A recent survey by BankChoice Monitor found that 36% of checking account shoppers require mobile banking—and that number jumps even higher for shoppers under 30. That perception can make it harder for credit unions to compete. The good news? Mobile tools are now more affordable and more powerful than ever—especially when it comes to appointment booking. While most credit unions now offer strong mobile banking (balance checks, transfers, etc.), one key feature is still missing at many institutions: mobile appointment scheduling. Better Lobby’s Mobile Appointment Tool: Designed for Credit Unions Big banks let customers book appointments with staff from their phones or computers. So should you. With Better Lobby’s Mobile Appointment Booking Tool, credit unions can now offer the same convenience—and even more member-friendly features: ✅ Book Anytime, Anywhere – Members can schedule appointments 24/7 from their phone, tablet, or laptop.✅ Custom Branding – Match your colors, logo, and language for a seamless CU experience.✅ Staff & Branch Selection – Members can pick the location and team member that fits their needs.✅ Built for Credit Unions – Unlike general-purpose tools, Better Lobby is tailored specifically to the credit union model. Why It Matters Members—especially younger ones—expect self-service options. Offering mobile booking shows your credit union is keeping up with their lifestyle and tech expectations. It’s not just convenient—it builds trust, drives branch visits, and shows that credit unions can be just as innovative as the largest banks. Key Takeaway:With Better Lobby’s Mobile Appointment Tool, you can offer a modern, member-first experience that rivals the big banks—without the big price tag.   The following section is the original post from October 2014. While some product names and screenshots may be outdated, we’ve kept it here for historical reference. Unfortunately, there is a perception for many young consumers that the large national banks offer the best mobile banking services. In a recent BankChoice Monitor survey of consumers shopping for new checking accounts on FindABetterBank.com, 36% of shoppers say they must have mobile banking with their next checking account – and shoppers under 30 are more than twice as likely to require mobile banking compared with shoppers over age 60 or older. The good news is that mobile banking functionality offered by both dedicated vendors and core systems vendors is getting much more full-featured and more affordable. One core systems provider, CU*Answers, even offers mobile banking via browser for free to its members as part of its core package. CU*Answers` It’s Me 24/7 service allows access to a mobilized version of online banking via mobile devices. Members can pay bills, check balances, transfer funds and do other essential mobile banking tasks. However, one important piece of digital functionality is still missing for the majority of credit unions: mobile (and online) appointment booking capabilities. The “Big 4” money centers banks are all currently offering the ability to book mobile and Web appointments with their branch staff. Key Takeaway: Better Branches Mobile Appointment Tool Module, which is the first appointment tool designed specifically for credit unions, is very affordable and available right now. Virtually any credit union can be up and running quickly with this easy-to-use tool which helps level the playing field with the big players.

Face-to-Face Still Matters—And Booking It Should Be Easy

[Updated August 2025] In today’s digital-first world, you might assume face-to-face banking is a thing of the past—especially with younger generations. But that’s not the case. In fact, TD Bank found that 57% of Millennials still prefer visiting a branch when making big financial decisions like mortgages, auto loans, student loans, or investments. Even in an age of apps and automation, people still value human conversations for complex matters. This trend isn’t limited to banking. Just look at Apple—a brand at the cutting edge of technology. Their Apple Stores thrive not just because of great products, but because people schedule appointments to get personalized help from Apple Geniuses. The model works. What This Means for Credit Unions Your members want access to in-person help when it matters most—and they want the convenience of booking that time online or from their phone. That’s where Better Lobby comes in. With our Mobile Appointment Booking Tool, credit unions can offer: ✅ Easy online scheduling for expert consultations✅ Mobile-friendly design for booking on-the-go✅ Staff-specific appointments for specialized needs✅ Fewer walk-in surprises and more prepared conversations Personal Banking, Modern Tools Your branch is where trust is built. Let members connect when and how they want to—with modern self-service tools that lead to better human service. Key Takeaway:Even in a digital world, face-to-face banking isn’t going away—it’s evolving. With Better Lobby’s online and mobile appointment booking, your credit union gives members the power to connect with the right person, at the right time, for the moments that matter most. The following section is the original post from October 2014. While some product names and screenshots may be outdated, we’ve kept it here for historical reference. The only place that a consumer can have a face-to-face interaction with a person is at a branch. But who wants this in an increasingly digital age? It turns out just about everyone, including the Millennial demographic that most people assume would never want to walk into a branch. For example, TD Bank’s recent research on banking preferences of Gen Y found that 57% of them want to come in and talk to a real person when they are making big decisions on their mortgages, or they are buying a car, or student loans, or investments. Branch detractors fail to recognize that even the most gadget-addicted consumers still want eyeball-to-eyeball human assistance when it comes to big financial decisions, to obtaining financial advice, to applying for many types of loans, and simply to clear up some error or misstep. The branch is a place to make a human connection which simply cannot happen in the other channels. It is interesting to note that Apple, considered by many to be the ultimate high-tech company, has found great success with their Apple Stores and many analysts agree that one of the reasons the Apple Stores are so successful is that a lot of the traffic there is prearranged. People go online and make appointments to meet with Apple Geniuses. Key Takeaway: The branch of the future is all about personal assistance and advice, so your credit union should make it easy to book an online appointment with an expert. Our Mobile/Web Appointment Booking Tool Module, which is the first appointment tool designed specifically for credit unions, is the perfect way to make this a reality.

Mobile Appointment Booking Tool acts as a “bridge” to the branch

While mobile banking continues to grow in popularity, the branch remains an important delivery channel for even the most ardent mobile banker. Case in point: a McKinsey & Company study found that consumers using mobile and online banking more than once a week are also over 60 percent more likely to be active retail branch users. While transactional activities are declining at the branch, human interactions are generally now reserved for complex problems. Digital channels have not replaced physical channels, nor can they ever take the place of a friendly handshake and face to face conversations. Key Takeaway: Members from all walks of life have embraced multichannel digital channels, however they also expect to use their branch for higher value face-to-face interactions. Increasingly they expect to be able to make appointments with branch personnel online and via mobile devices. To address this requirement we need to establish “bridges” between the mobile and branch channels. One such bridge is the Mobile Appointment Booking Tool! Today’s credit union members expect more than just a friendly face — they want convenience, speed, and flexibility. They’re used to booking everything online — from doctor visits to haircuts — and they expect their credit union to offer the same kind of experience. That doesn’t mean replacing human connection. In fact, smart digital tools can bring members even closer to staff. How? By helping them prepare, schedule, and get the most out of their visit. That’s where Better Lobby’s Mobile Appointment Booking Tool comes in. It’s a simple way to give members control while making branch visits more efficient and personal. Think of it as the bridge between online convenience and real-world service. What Is the Mobile Appointment Booking Tool? The Mobile Appointment Booking Tool (MBT) lets your members book appointments online — anytime, anywhere. It works on your credit union’s website and mobile devices. Here’s how it works: Choose a location: Members pick which branch they want to visit. Select a service: Like loans, new accounts, or financial advice. Pick a date and time: Members see available openings and choose what works best. Choose how to meet: In person, by phone, or by video — whatever is easiest. This tool makes it simple for members to connect with your credit union on their terms — while helping your team prepare and deliver a better experience. It’s quick, easy, and member-friendly. Bridging Digital and Physical Experiences Better Lobby helps credit unions bring the best of both worlds together—online convenience with in-person service. Less Waiting, More Service: Members can check in ahead of time or book an appointment, so they spend less time waiting in the lobby and more time getting what they need. Plan Ahead, Stress Less: With online appointments, members pick a time that works for them. No guesswork, no showing up to a long line. Keep It Personal: Members can choose the service they need and add details before they even walk in. That way, staff are ready to help right away—and the experience still feels personal and human. Supporting Entrepreneurs and Small Businesses Credit unions have always been champions for local businesses and startups. Better Lobby makes that support even stronger. Why It Matters: As explained in the blog post “Innovative Lending Practices: How Credit Unions Support Entrepreneurs and Startups” credit unions stand out by offering personalized lending solutions—especially when compared to big banks. Appointments Make a Difference: Business owners can schedule time directly with a loan officer. That means they won’t have to explain everything twice or wait around to be helped. Tailored Support, Right on Time: The Mobile Appointment Booking Tool lets entrepreneurs pick the exact service they need—like a small business loan or equipment financing—and allows staff to prepare in advance. Everyone wins. Flexible and Member-Focused: With Better Lobby, small business members get the personalized, one-on-one attention that credit unions are known for—without the hassle. Benefits for Credit Union Staff Managing a busy branch can be tough—but Better Lobby makes it easier. Know who’s coming and why: With appointment info upfront, staff can prepare in advance for each member’s needs. Less stress during peak times: A well-managed queue means fewer surprises and smoother service—even on the busiest days. Smart scheduling for specialists: Need to line up mortgage or business lending appointments? No problem. Better Lobby helps make sure specialists are booked efficiently. More time for real conversations: When the routine stuff is handled smoothly, staff can focus on what really matters—building relationships with members. Data-Driven Optimization Better Lobby isn’t just about managing appointments—it’s also about making better decisions with real data. Spot peak times easily: Appointment trends help branch managers see when traffic is heaviest—and prepare accordingly. Smarter staffing plans: Use the data to adjust staffing across locations, so you’re never caught off guard. Understand member needs: See what services members are booking most often, then plan ahead to meet demand. Making the Case: The Appointment Tool as a Strategic Asset Appointments aren’t just about filling up calendars—they’re about creating better service for your members and smoother operations for your staff. When members book ahead, staff have time to prepare. That means fewer surprises, more focused conversations, and better outcomes—like approved loans, new accounts, or helpful financial advice. It also helps your credit union run smarter: You know who’s coming in and why. You can plan staffing better. You reduce wait times and lobby frustration. In short, better scheduling leads to better service, which leads to stronger member relationships. That’s not just a nice-to-have—it’s a strategic win. Conclusion Offering appointments isn’t just about convenience. It’s about making every interaction more productive and more personal. Credit unions that adopt appointment tools like Better Lobby don’t just streamline operations—they build trust, improve financial outcomes for members, and use staff time more effectively. Learn more about the Better Lobby Appointment tools

Transforming Branch Experiences: The Power of Video in Credit Unions

The financial industry has witnessed significant transformations over the years, with technological advancements reshaping the way financial institutions interact with their clients and members. One notable trend that has emerged is the integration of video technology within branch operations. In this article, we explore the various uses of video in credit union branches, highlighting its role in enhancing customer service, efficiency, and overall member experience. Video Technology in Branch Operations In her article “Makeovers Turn Out Smaller, Sleeker, Smarter Branches” published in American Banker, Mary Wisniewski discusses the adoption of video technology in modern branches. This innovative approach allows credit unions to leverage video for teller and platform services, facilitating a more streamlined and personalized interaction with members. Enhancing Customer Service Video technology enables credit unions to provide members with access to knowledgeable staff and specialized services regardless of branch size or location. Through video conferencing capabilities, members can connect with remote experts and advisors, receiving real-time assistance and guidance on various financial matters. This personalized support contributes to enhanced customer satisfaction and loyalty. Improving Operational Efficiency By integrating video technology into branch operations, credit unions can optimize resource allocation and improve efficiency. Video tellers allow for centralized transaction processing, reducing the need for multiple staff members at individual branches. Additionally, video platforms enable seamless collaboration between branch personnel and remote teams, facilitating smoother workflows and faster decision-making processes. Expanding Accessibility One of the key benefits of video technology is its ability to extend the reach of credit union services to underserved or remote communities. Through video-enabled branches or shared branch networks, members can access a wide range of financial services without the need to travel long distances. This expanded accessibility promotes financial inclusion and strengthens the credit union’s presence within its community. Creating Personalized Experiences Video technology empowers credit unions to deliver personalized experiences tailored to the unique needs and preferences of each member. Whether it’s connecting with a familiar face through video teller services or receiving customized financial advice from remote experts, members feel valued and supported throughout their interactions. This human touch fosters stronger relationships and builds trust between the credit union and its members. Embracing Innovation for Future Growth As credit unions embrace digital transformation, the strategic use of video technology emerges as a key differentiator in the competitive landscape. By leveraging video for customer service, operational efficiency, and member engagement, credit unions can position themselves for future growth and success. Through continuous innovation and investment in technology, credit unions can meet the evolving needs of their members while staying true to their mission of serving the community. Key Takeaways The integration of video technology represents a significant milestone in the evolution of credit union branches. By harnessing the power of video for customer service, efficiency, and accessibility, credit unions can create meaningful experiences that resonate with members. As technology continues to evolve, credit unions must remain agile and proactive in adopting innovative solutions that enhance the overall branch experience and drive long-term success.

Connecting Mobile Banking and Branch Visits

While mobile banking continues to grow in popularity—especially among younger generations—the branch experience is far from obsolete. A recent survey by the American Bankers Association showed that while 10% of people prefer mobile banking, a growing 21% still prefer visiting a branch. That’s up from 18% the year before. Why? Because when it comes to important, complex services like opening a new account or applying for a loan, members still want face-to-face interactions with staff they trust. At Better Lobby, we believe credit unions don’t have to choose between digital and in-person. Instead, we make it easy to connect both channels into one seamless member journey. Make It Easy to Meet with Members—Anytime, Anywhere Here’s how Better Lobby supports both mobile-first convenience and the personal service of a branch visit: 🗓 Mobile Appointment BookingLet members schedule appointments from their phone, 24/7. Staff can prep for the meeting in advance, improving service and efficiency. 📍 Branch-Level DashboardsKnow who’s coming in, when, and for what—so your team is ready and your branch is running smoothly. 📱 Online QueueingMembers can join a waitlist remotely, minimizing in-lobby time and making the experience feel faster and more respectful of their schedule. 👋 Flexible Staff SchedulingSupport universal banker models with tools that adapt to how your team works—including cross-branch and video-based appointments. Key Takeaway Even in a mobile world, branches still play a critical role. With Better Lobby, your credit union can offer the mobile-first tools members expect while delivering the personal, efficient branch experience they still value. It’s not about replacing the branch—it’s about empowering it. While the Internet remains America’s most popular banking method, mobile banking has steadily gained momentum and is now preferred by 10 percent of consumers – up from 8 percent in 2013 – according to a recent survey by the ABA. This is certainly understandable considering the popularity of mobile banking, especially among younger consumers accustomed to doing everything on their mobile devices. Yet upon closer examination of the survey, which was conducted ABA by Ipsos Public Affairs which is an independent market research firm, it is obvious that branches remain relevant and popular. In fact, the second most popular way to bank – visiting a branch – actually increased to 21 percent in 2014 over 18 percent in last year’s study. The report concludes that “when people are conducting a complex transaction like opening an account or applying for a home or business loan, they often prefer to do it in person.  We’re seeing a branch renaissance in some areas, with many institutions transforming their branches to become more efficient and customer-friendly.” Key Takeaway: When it comes to being “more efficient and customer-friendly,” it is hard to beat online and mobile appointment setting capabilities to connect Mobile users to branch staff. Our Better Lobby Mobile Appointment Booking Tool increases efficiency by allowing staff to prepare for the member meeting in advance, and the Booking Tool can be used day or night, seven days a week, enabling members to arrange branch appointments when it is most convenient for them.   Why Appointment Scheduling Tools Matter in a “Digital-First” World Today’s credit union members want the best of both worlds—digital convenience and personal service. They expect to manage their finances online, but still value speaking with someone face-to-face when things get more complex. That’s where appointment scheduling tools come in. Better Lobby’s appointment system helps credit unions meet members where they are—on their phones, tablets, or computers—while still making it easy to connect with branch staff. Whether it’s opening an account, applying for a loan, or getting expert advice, members can book a meeting on their own schedule and feel confident someone will be ready to help. It’s a perfect example of “Digital First, Not Digital Only.” Instead of forcing members into just one way to connect, Better Lobby supports flexible, personalized service—online, in person, or by video—making every experience smoother and more human. What Makes Better Lobby’s Appointment Tool Unique Not all appointment tools are created equal. Better Lobby’s appointment system is built specifically for credit unions—and it shows. No app needed. Members can book appointments right from their phone or computer using a web browser. It’s fast, easy, and doesn’t require any downloads. Integrated with Outlook. Once an appointment is booked, it appears automatically in the staff member’s Outlook calendar. That means no double-booking and better preparation for every meeting. Real-time confirmations. Members get instant confirmations and reminders via text or email, so they always know their appointment is set. Customized for your credit union. The look and feel of the booking tool can be fully branded with your logo, colors, and language—so it feels like part of your credit union, not a third-party tool. Flexible meeting types. Whether it’s in-person, by phone, or by video, Better Lobby supports all appointment types in one simple platform. Better Lobby helps you deliver smarter service, with less hassle—for your members and your staff. Operational Benefits for Credit Unions Better Lobby’s appointment tool isn’t just great for members—it’s a game-changer for branch operations, too. Less lobby traffic, shorter wait times. With more members booking ahead, your team can manage the flow of visitors and avoid long lines or crowded lobbies. Smarter staffing. Knowing who’s coming and when helps managers schedule staff more effectively, especially during busy hours or for specialized services. More prepared staff = better results. When staff know the purpose of an appointment ahead of time, they can prepare for the conversation—leading to higher satisfaction and more successful sales or service outcomes. Lower stress, smoother days. A steady, predictable schedule helps reduce pressure on your team and makes visits more pleasant for members. Better Lobby brings order to the branch experience, making your team more efficient and your members more satisfied. Better Member Experience from First Click to Final Handshake When members can choose how and when they connect, everyone wins. Appointment control = happier members. With Better Lobby, members pick a time that works for them—no waiting on hold or showing

Do Millennials Still Visit Branches? Yes – What It Means for Credit Unions

Yes, Millennials Still Visit Branches. When we think about millennials, we often picture smartphones, mobile apps, and doing everything online. But according to Wells Fargo CEO John Stumpf in a 2015 investor call, that doesn’t tell the full story. Despite mobile banking being Wells Fargo’s fastest-growing channel, 75% of customers—including millennials—still visit a branch at least once every six months. [This blog post was updated June 2025] Why Are Millennials Still Visiting Branches? Even in a world of mobile banking and digital tools, members still want that face-to-face interaction—especially for important moments. Whether it’s opening a new account, applying for a loan, or getting help with fraud, members want to feel confident, supported, and heard. What This Means for Credit Unions This insight is a reminder that digital tools don’t replace branches—they enhance them. Credit unions should consider how to blend in-person service with digital convenience. That’s where tools like Better Lobby come in. How Better Lobby Supports Both In-Branch and Digital Preferences Better Lobby helps credit unions meet members where they are—whether that’s in the lobby or on their phone: Appointment Scheduling: Makes it easy for members (especially tech-savvy ones) to book visits in advance. Queue Management & Kiosks: Keeps in-person visits smooth, organized, and low-stress. Video Meetings & Online Queuing: Offers digital-first options for busy members who still want personal service. Wall Displays & Notifications: Keeps members informed and reduces confusion in branches. Branches Still Matter—Just Smarter Ones Wells Fargo isn’t alone in rethinking what a branch should be. As Stumpf noted, they’re moving toward smaller, smarter branches because digital tools are supporting more interactions. This trend gives credit unions an opportunity to redesign their spaces for more efficiency—without losing the human touch. Key Takeaway Millennials Still Visit Branches Even in the age of mobile banking, members—millennials included—still value branch visits. Better Lobby helps credit unions modernize the in-branch experience while offering the digital tools today’s members expect. Source: “Do millennials use bank branches? Yes, Wells Fargo CEO says” – The Charlotte Observer, April 2015.Read the original article here   The following section is the original post from June 2015. While some product names and screenshots may be outdated, we’ve kept it here for historical reference. Without a doubt, mobile banking is the fastest-growing channel. Moreover, it has grown faster than any channel in the history of banking – faster than online banking, ATMs, etc. Yet Millennials, also known as Digital Natives, still use branches, according to Wells Fargo CEO John Stumpf.  He recently pointed out that 75 percent of customers visit a branch once every six months. The bridge between mobile banking and the oldest channel of the all – the branch – is the convenient ability to book branch appointments on a mobile device. Our Mobile Appointment Booking Tool can be used day or night, seven days a week, enables members to arrange appointments when it is most convenient to them. Key Takeaway: Whether your staff uses our Better Lobby Appointment Calendar software or Microsoft Outlook, member appointments made using the Mobile Appointment Booking Tool are seamlessly recorded and help to increase branch sales and improve employee efficiency levels.

From Physical to Digital: Transitioning with Better Lobby’s Hybrid Service Model

In today’s fast-paced world, credit unions are increasingly embracing a hybrid service model that merges the best of both physical and digital realms. This blend not only enhances accessibility and convenience but also significantly improves the overall member service experience. Better Lobby is at the forefront of this transformation, providing tools that facilitate a smooth transition from traditional methods to a more integrated, digital-first approach. The Hybrid Service Model Advantage Blending Digital with Traditional: A Tailored Member Experience The hybrid service model presents a powerful blend of digital and face-to-face interactions, designed to cater to all member preferences. This approach is particularly advantageous as it combines the efficiency of digital solutions with the personalized touch of in-person engagements. By adopting this model, credit unions can offer flexible and customized services, ensuring that all members feel valued and well-served, regardless of their preferred interaction method. Seamless Integration with Better Lobby Better Lobby champions the hybrid model by incorporating several key features that enhance both digital and physical member experiences: Video Meeting Platforms These platforms are a cornerstone of the hybrid model, allowing credit unions to break geographical barriers. Members can engage in detailed financial discussions via secure video calls, ensuring they receive expert advice without the inconvenience of travel. Good to Know: To optimize the video meeting experience, ensure your systems are equipped with high-quality video and audio capabilities. This not only improves communication clarity but also enhances the overall perception of your credit union’s digital proficiency. Sign-in Kiosks Positioned strategically within branches, sign-in kiosks streamline the member entry process. These kiosks reduce initial wait times and allow staff to allocate more time to meaningful member interactions. By automating the check-in process, credit unions can manage member flow more effectively, especially during peak hours. Good to Know: Integrating sign-in kiosks with real-time analytics can provide insights into peak visit times, helping you better manage staffing and resources. Online Queuing Systems Online queuing systems revolutionize how members plan their branch visits. By enabling members to check queue statuses and join lines remotely, these systems significantly reduce physical wait times and enhance overall visit planning. This not only improves the member experience but also allows credit unions to anticipate member needs more accurately. Good to Know: Implement promotional notifications via the queuing system to inform members about new services or products while they wait, enhancing cross-selling opportunities. By integrating these technologies, Better Lobby facilitates a seamless transition between digital and physical channels, embodying the true spirit of the hybrid service model. For credit unions, embracing this model means staying relevant in an increasingly digital world while preserving the irreplaceable value of human interaction. Reshaping the Future for All Demographics Adapting to Diverse Member Needs Better Lobby’s suite of tools is meticulously crafted to address the preferences of various member demographics, ensuring no group feels left behind in today’s fast-paced digital transformation. From millennials who often opt for swift, digital solutions to the baby boomers who appreciate a warm, face-to-face interaction, Better Lobby’s hybrid service model is designed to accommodate everyone. This strategic approach helps credit unions deliver tailored services that align perfectly with the unique preferences and expectations of each demographic group. Enhanced Flexibility and Member Satisfaction The integration of physical and digital services is not just about keeping up with technological trends; it’s about refining operational efficiency and elevating member satisfaction to new heights. This dual approach empowers members to choose their preferred method of interaction, providing unmatched flexibility. Whether it’s a quick digital transaction or a detailed in-person consultation, members can select the service mode that best suits their current needs and situations. Good to Know: Utilizing data analytics to track member usage patterns across different channels can help further personalize and improve service offerings, ensuring each member feels valued and understood.   Embracing the Hybrid Model Looking ahead, the hybrid service model is poised to be a fundamental aspect of the credit union landscape. Credit unions that proactively embrace this model, especially with the support of platforms like Better Lobby, are strategically positioning themselves to meet and exceed the evolving expectations of their membership base. This approach not only secures a competitive edge but also ensures that credit unions remain relevant in an increasingly digital-focused market. Navigating the Digital Transition Transitioning from traditional to digital-centric operations can seem daunting, but it doesn’t have to be. With Better Lobby, credit unions gain a reliable partner equipped with the necessary tools and expertise to facilitate this shift smoothly and effectively. This support is crucial for credit unions aiming to seamlessly blend their esteemed traditions of personalized service with the efficiency and reach of modern technology. By adopting Better Lobby’s innovative solutions, credit unions can confidently step into a future where technology complements and enhances the personal touch that has always been at the heart of their service philosophy. This balanced approach ensures that all members, regardless of their technological proficiency or personal preferences, can enjoy a satisfying and inclusive banking experience. Key Takeaways Harnessing the Hybrid Service Model Better Lobby equips credit unions with a powerful arsenal of tools that are indispensable for navigating the shift towards a hybrid service model. This model skillfully combines the efficiency of digital solutions with the traditional warmth of personal interactions, ensuring credit unions can deliver a comprehensive service experience. Enhancing Member Satisfaction and Loyalty Adopting the hybrid model ensures that every member’s needs are met with precision and care, regardless of their preferences for digital or face-to-face interactions. This approach significantly boosts member satisfaction and fosters deeper loyalty, as members feel valued and understood by their credit union. Preparing for a Future-Focused on Flexibility The future of credit unions will increasingly depend on their ability to offer flexible, adaptive service options that appeal to a wide range of demographics. By embracing innovative technologies and service models, credit unions can stay ahead of member expectations, ensuring they remain relevant in a rapidly evolving financial landscape. Good to Know: Implementing a hybrid model can also serve

‘Digital First’ Not ‘Digital Only’

[Updated May 2025] What Credit Unions Should Do Now: 5 Key Takeaways from the BAI Banking Trends Report Credit unions are at a turning point. The BAI Banking Outlook Special Report reveals how quickly customer expectations are changing—and how much work financial institutions still need to do to keep up. From digital transformation to member experience, the message is clear: credit unions must adapt to compete and thrive. Here are five important things every credit union should take away from this report—and how Better Lobby can help. 1. Make Appointments and Queueing Part of Your CX Strategy 📊 Only 9% of financial leaders said their digital experience is “excellent,” yet members are demanding more flexibility and control. What to do:Let members book appointments online, join a virtual queue from their phone, or meet with staff over video or phone.Better Lobby offers all three, helping credit unions offer fast, easy, and personalized service—whether a member is on-site or remote. ✅ In-branch, phone, or video appointments✅ QR code check-ins and same-day queuing✅ Staff photos and bios during booking for added trust 2. Branches Still Matter—But They Need to Feel Smarter 🏦 While mobile dominates for Gen Z and Millennials, Boomers and Gen X still prefer visiting a branch—especially to open new accounts. What to do:Make the branch experience count. Use Better Lobby Kiosks for smooth check-ins, Wall Displays to reduce confusion, and staff scheduling tools to prepare for busy times. ✅ Members see where they are in line✅ Staff know who’s coming and why✅ Managers get reports to plan better staffing 3. Build Loyalty Through Experience—Not Just Products 💡 Younger generations (Gen Z and Millennials) are less loyal to one financial institution and more open to using Amazon, Apple, or PayPal for banking. What to do:Differentiate on service and relationships, not just rates and features. Better Lobby helps credit unions track visit history, staff notes, and service outcomes—so each visit feels personalized. ✅ Know your member before the conversation starts✅ Track visits across branches✅ Use visit history to offer smarter follow-up 4. Use Data to Work Smarter, Not Harder 📈 Credit union leaders say improving CX is their #1 business challenge, yet many aren’t using their data to improve operations. What to do:Better Lobby offers 50+ built-in reports and dashboard tools to help you: Track average wait times and appointment trends See which services are most requested Adjust staffing or hours based on real traffic patterns Data like this helps credit unions reduce friction, improve satisfaction, and cut waste—all with the tools they already have. 5. Support DEI, ESG, and Member Values 🌍 A growing number of members—especially younger ones—want to know their credit union shares their values. What to do:Better Lobby lets you display staff languages, areas of expertise, and even photos during booking—helping members feel seen and understood. Plus, by offering accessible check-in options, you support equity and inclusion in every interaction. ✅ ADA-friendly self-check-in kiosks✅ Member-facing text and labels customizable for any audience✅ Transparent, fair queue management reduces confusion and conflict Final Thoughts: Banking Trends Report The BAI report shows that expectations are rising, and competition is growing. But credit unions have a unique opportunity: to deliver high-tech service with a human touch. Better Lobby is built to help credit unions meet this moment—by improving operations, supporting staff, and creating a modern, welcoming experience for every member. Want to learn more? Let’s talk about how your credit union can turn insight into action. In the BAI Banking Outlook research on 2022 trends, financial services leaders reported that these are the top three ways accountholders utilize the branch network: open or close an account conduct a transaction resolve an account problem Appointments – whether in person or by video – are ideally suited to reasons 1 and 3. Experience shows that more accounts can be opened on the first visit with appointments. Plus return visits for the same new account opening are minimized because the member has been told exactly what paperwork to bring to the appointment. Read the full report by BAI here   The following section is the original post from April 2022. While some product names and screenshots may be outdated, we’ve kept it here for historical reference. When it comes to resolving financial account problems, nothing beats a face-to-face conversation with an empathetic CU employee. Our CU partners are increasingly conducting these important meetings by video because Better Lobby Flexible Branches Video Meetings helps deliver a more personalized member experience from the member’s home, car, or office. Key Takeaway: Going forward, successful CUs will be the ones that combine robust digital-first capabilities with top-notch support from branches and contact centers.   https://www.bai.org/wp-content/uploads/2022/01/the-top-banking-trends-and-challenges-for-2022.pdf

Personalized services VERSUS personal interactions

What Credit Unions Can Learn from 4 Key Banking Trends [Updated May 2025] The world of banking is changing—and fast. But not all the change is digital. A new global report shows 4 Key Banking Trends that while members use mobile apps and digital tools more than ever, they still want human service, physical branches, and personalized advice. At Better Lobby, we believe this is good news for credit unions.  You already focus on relationships, community, and member-first service. The key is having the right tools to deliver that experience efficiently and consistently—both online and in-branch. Here are four major trends from the EPAM Consumer Banking Report 2021 and what they mean for credit unions using Better Lobby. What are the 4 Key Banking Trends? 1. 🤝 People Want Personal, Not Just Personalized Many banks focus on automation, chatbots, and self-service tools and call that “personalization.” But according to the report, what people actually want is real human interaction. In fact, 34% of members surveyed said they want more personal interaction with their financial institution—not less. ✅ What this means for credit unions:You don’t need to replace personal service—you need to support it. Better Lobby helps by: Allowing members to book appointments with specific staff Showing staff photos, bios, and service types during scheduling Making it easy to have a face-to-face, phone, or video conversation Recording visit history so members don’t have to repeat themselves 2. 🏦 Branches Aren’t Dying—They’re Evolving Think branches are outdated? Think again. According to the study, U.S. consumers expect to visit their credit union branch more than 40 times a year. And younger generations agree—30% of Gen Z said branches have become more important to them since the pandemic. ✅ How Better Lobby helps: Offers self check-in kiosks or QR code check-ins to reduce front desk bottlenecks Lets members join a queue before arriving—turning travel time into wait time Displays queue positions on Wall Displays to keep visits fair and transparent Branches aren’t going away—they just need to be smarter, faster, and easier to navigate. 3. 🧑‍🎓 Gen Z Wants Advice, Education, and Engagement Gen Z may be tech-savvy, but they also want real financial guidance. According to the report: 46% would visit a branch to drop in for financial advice 40% want branches to offer financial education sessions 61% want their credit union to offer help managing money ✅ Better Lobby makes this easy: Staff can schedule advice sessions and prepare with the member’s visit history Branches can run financial education workshops using our appointment tool to manage attendance Staff can track member needs over time with our Cross-Selling and Visit Notes tools 4. 💡 Members Use Multiple Services—But Stay for the Experience The study found that 36% of consumers prefer using different financial providers for different needs—but most still stay loyal to one main credit union or bank. Why? Trust, security, and a good member experience. ✅ With Better Lobby, you can strengthen that loyalty by: Keeping visits smooth and organized Making it easy to access help from the right person Giving staff the tools to deliver memorable service every time When service is fast, personal, and helpful, members are more likely to stick with you—even if they explore other apps or platforms. Final Thoughts about 4 Key Banking Trends This new data shows that credit unions are already well-positioned for the future—members want connection, not just convenience. But delivering that consistently requires tools that combine efficiency and personalization. Better Lobby gives your credit union everything you need to: Improve the in-branch experience Serve members faster Offer real human support—on their schedule Meet Gen Z’s need for guidance and education And reduce wait times without sacrificing service quality   The following section is the original post from November 2021. While some product names and screenshots may be outdated, we’ve kept it here for historical reference. Want to align your branch strategy with these trends? Let’s talk about how Better Lobby can help. The findings of a big new study by EPAM Systems states that FIs are overconcerned with providing personalized services – when in reality people actually want personal interactions. The report concludes that “interacting in a real-time way with another human being — that’s a service that consumers indicate they are interested in.” Their survey results back up these conclusions: •           American banking consumers expect to visit their branch more than 40 times a year going forward. •           Gen Z respondents said access to a physical branch had become more important to them in the past year, especially as Covid-19 forced branches to close temporarily. Key Takeaway: Digital services play a very important role in the modern banking landscape, but they may not be as effective as CUs think for genuinely taking care of member needs. In fact, many members are looking to their local branch as a place for more personal interactions regarding their finances.

Tellers and Lenders

[Updated April 2025] The Shift from Tellers to Universal Staff: What It Means for Credit Unions and Members Credit unions across the country are making a big change: they’re moving away from traditional teller roles and shifting toward universal staff positions. But what does that really mean—and how does it affect members? Let’s break it down. What Is a Universal Staff Role? Instead of having separate people for different tasks (like one person for cash deposits and another for loans), universal staff are trained to handle a wide range of services. That means one staff member might help a member withdraw money, open a new account, and even apply for a car loan—all in one visit. Why Credit Unions Are Making the Switch away from Teller 💳 More members are using online and mobile banking for simple transactions like checking balances or depositing checks. 🏦 Branches are seeing fewer walk-ins, but more complex needs—like loans, financial advice, or account issues. 🤝 Credit unions want to provide a more personal, one-on-one experience—something universal staff can do better. Pros for Members ✅ One point of contact: Members don’t have to be passed from teller to loan officer. One person can help them from start to finish. ⏱️ Faster service for complex needs: Staff are trained to do more, so members get answers and help without waiting in multiple lines. 📲 More flexibility with appointments: Tools like Better Lobby let members schedule time with the right person—whether for a quick question or an in-depth financial discussion. 🧠 Stronger relationships: When one staff member helps with multiple needs, it builds trust and consistency. Challenges to Consider 🔄 Staff training takes time: Universal employees need to be trained across different systems and services, which can be a learning curve. 😕 Expectations may vary: Some members may still want the traditional teller experience for quick tasks. 🪑 Wait times can increase if there aren’t enough staff available for walk-ins during busy times. How Better Lobby Supports the Shift Better Lobby is built to support this change in how branches operate. With tools like: Online appointment scheduling so members connect with the right staff Queue management to keep visits organized and flowing smoothly Service tracking and reports so managers can see what members are asking for most Credit unions can confidently move toward the universal model—without sacrificing member experience. Supporting the Shift from Tellers to Advisors The role of the credit union branch is changing in many ways. Tellers to Universal roles. Technology, with routine transactions moving to ATMs, mobile apps, and online banking, branches are becoming less about cash handling—and more about advice, service, and support. That’s why the growth in loan officer positions makes so much sense. Members still want human guidance when making big financial decisions, like applying for a mortgage, taking out a car loan, or opening a business account. But they also expect the convenience they’re used to online. Better Lobby helps credit unions meet both expectations. With our Mobile and Web Wait Time tool, members can check wait times before heading to a branch. Combine that with our Mobile Appointment Booking Tool, and your credit union becomes even more accessible—letting members choose the time, location, and channel (in-person or video) that works best for them. Better Lobby Helps Credit Unions: 📲 Let members book appointments on the go—no app needed ⏱️ Reduce lobby wait times and avoid walk-in traffic jams 👥 Help staff prepare for each visit, improving service and sales 📈 Support the growing role of loan officers and financial advisors The future of your branch is more strategic, more advisory, and more member-focused. With Better Lobby, you’re not just managing foot traffic—you’re creating better experiences for the members who matter most.   The following section is the original post from May 2013. While some product names and screenshots may be outdated, we’ve kept it here for historical reference. According to the U.S. Bureau of Labor Statistics, teller positions are expected to increase by just 1 percent in the next decade, or 7,300 jobs, which is “little or no change.” Meanwhile, they predict that the number of loan officers will increase by 14 percent. Transactions continue to migrate to mobile devices, online and ATMs, yet many consumers will still want a face to face meeting when purchasing financial products and services. We must make sure that these “buyers’ have a good experience when coming into the branch. Some may want to select the best time to visit using their smartphones. That is where our Better Lobby Mobile and Web Wait Time feature comes into play. The Mobile and Web feature provides real-time “Visitors Waiting” and “Longest Wait” to your members via your credit union’s Website and iPhone compatible Mobile web pages. Read more about the Online Queuing Module Key Takeaway: As the branch population of loan officers grows and the tellers’ ranks diminish, CUs must make it very easy for members to schedule meetings, especially via mobile devices.  

Mobile Web Wait-time Indicator – very cool!

[Updated April 2025] Turning Travel Time into Wait Time: Smarter Service with Online Queuing The beauty of Better Lobby’s Online Queuing module is that it goes beyond simply showing wait times—it actively helps credit unions balance branch traffic and improve the member experience across the board. By letting members view real-time wait times or the number of people in line at each branch, your credit union gives them the power to choose the most convenient location. If one branch is backed up, they can head to a nearby location with a shorter line. It’s a small change with a big impact—spreading member traffic more evenly and reducing pressure on your busiest branches. But it gets even better. Once a member selects a branch, they can check in from their phone—before they even leave the house. That means their travel time becomes their wait time. When they arrive, they’re already in the queue, and your staff can greet them with confidence and preparation. Why this matters: ✅ Reduces crowding at high-traffic branches 🚗 Transforms idle travel into productive queue time 📲 Eliminates the need for a separate app download 📊 Gives branch managers visibility to plan staffing in real time This module doesn’t just improve convenience—it’s a strategic tool for branch operations. When your members feel in control of their time and experience faster service, satisfaction goes up. And when your branches are less overwhelmed, your staff can provide better service to everyone. In today’s world, convenience wins. Better Lobby’s Online Queuing helps credit unions meet members’ expectations while making smarter decisions about staffing, scheduling, and service delivery. Want to learn more about how Online Queuing can transform your member experience? Request a demo Members who join a credit union have great benefits and can be a smart financial decision. The following section is the original post from June 2012. While some product names and screenshots may be outdated, we’ve kept it here for historical reference. What if your members could see at a glance what the nearest branch lobby wait times were (or any of your branches for that matter)? Now that is the height of convenience! Our goal with our latest Better Lobby solution called Mobile and Web Wait-Time Indicator was to allow your members to simply follow a link from your website to a mobile-sized page that is suitable for their iPhone or similar mobile device that gives them real-time access to your branch lobby status. Not only is this Wait-time Indicator quick and easy for members to use (no apps to download), but credit unions will be able to proudly add it to their mobile banking offerings alongside mobile RDC, ATM locaters, etc. – it is a great “high tech, high touch” addition! Read more about the Online Queuing Module that is a Wait-time Indicator Key Takeaway: All things mobile are hot right now and are predicted to remain that way for years to come. Being able to view lobby wait times in real-time is sure to be valued by both busy members and branch operations staff.  

Branch of the Future – Part 2 – the Evolving Branch

[Updated April 2025] Smarter Appointments: Why Branch Scheduling Matters More Than Ever As credit union branches evolve to meet changing member expectations, the way appointments are handled is becoming more important than ever. While walk-ins will always have a place in branch service, the shift toward appointment-based visits is helping credit unions improve service, reduce stress on staff, and control labor costs. Why More Credit Unions Are Turning to Branch Scheduling Members today want more control over their time. Whether they’re applying for a loan, opening an account, or seeking financial advice, many prefer to schedule a time to meet with the right person instead of waiting in line. Branch Scheduling can help improve member satisfaction. At the same time, credit unions benefit too: ✅ Appointments reduce lobby traffic during peak hours ✅ Staff can prepare ahead of time for each member’s needs ✅ Expert staff can be used more efficiently, maximizing their value ✅ Branch managers can better forecast staffing needs The Problem with Traditional Scheduling Tools In the past, some branches used spreadsheets or basic Outlook calendars to manage appointments. But these tools weren’t designed for branch operations—they lack visibility, create confusion, and make it difficult to coordinate staff across locations. That’s where Better Lobby comes in. A Smarter Way to Schedule Better Lobby’s Appointment Module is built specifically for credit unions. It offers: 🗓️ A shared, branch-wide calendar for full staff visibility 📲 Member-facing booking tools that are mobile-friendly and easy to use 🔔 Real-time confirmations and reminders to reduce no-shows 🔁 Support for in-person, video, or phone appointments 🔍 Reporting tools that track appointment types, outcomes, and staff performance Credit unions that implement Better Lobby’s appointment tools say it transforms the way their teams work—making the branch more efficient while keeping the member experience personal and stress-free. Key Takeaway Appointments are no longer a luxury—they’re a necessity. A modern, easy-to-use appointment system helps credit unions deliver expert service when it matters most, while keeping labor costs under control. Better Lobby makes it simple to shift from outdated systems to a smarter, streamlined approach. How Online Queuing and Appointments Work Together in Branch Management When members walk into a branch, they want fast, personalized service. But how they get that service—whether by appointment or walk-in—can make all the difference in how smoothly a branch operates. With Better Lobby, credit unions don’t have to choose one or the other. Our platform supports both appointments and online queuing, helping credit unions meet a wide range of member needs—all while keeping operations running efficiently. What’s the Difference? Appointments are scheduled in advance. Members choose a time that works for them, and credit unions can assign the right staff member to prepare ahead of time. It’s ideal for: Applying for a loan Opening a new account In-depth financial discussions Online Queuing, on the other hand, is perfect for same-day service. Members can check in online—before they arrive at the branch—and hold their place in line. It’s often used for: Quick account help Card replacements Other short visits Why Credit Unions Love Online Queuing Many credit unions use Better Lobby’s Online Queuing Module as a flexible, lower-commitment alternative to appointments. It offers: ✅ Same-day service without promising a specific time ✅ Better control of foot traffic and lobby crowding ✅ Member check-in from their phone or device ✅ The option to brand it as “Same-Day Appointments” for marketing purposes And just like Branch Scheduling, members can check in at a Better Lobby kiosk when they arrive, ensuring a seamless experience for both walk-ins and online queue users. How They Work Together Here’s how appointments and online queuing complement each other: Situation Use Case Better Lobby Feature A member needs help now They join the online queue from their phone Online Queuing Module A member wants to plan ahead They book an appointment online or by phone Appointment Booking Tool A member walks in without checking in They use the in-branch kiosk Kiosk Module The branch wants to reduce crowds Staff monitor queue and appointment flow Real-time dashboard & reports By offering both options, credit unions give members more control—and give staff the tools they need to deliver great service, even on busy days. Custom Branding Built In Better Lobby makes it easy to customize both appointments and online queuing to fit your credit union’s identity. You can update: 🎨 Colors and logos 📝 Language and terminology (e.g., “Same-Day Appointment” instead of “Online Queue”) 💬 Messaging and instructions shown to members It’s all built to work across devices—on mobile, desktop, or kiosk—so your members always feel like they’re working directly with your credit union. Request a Demo The following section is the original post from July 2013. While some product names and screenshots may be outdated, we’ve kept it here for historical reference. As Branches evolve to meet changing consumer needs in a multi-channel marketplace, branch appointment handling is one of the areas likely to change. We all know that branch visits take two forms: “walk-ins” and appointments. While individual credit unions may place a different emphasis on either, as an industry we expect to continue to use both to service members for the near term. What IS changing is the proportion of each that is used to deliver platform service. Some CUs are encouraging appointments as a means of controlling headcount and reducing labor cost while improving service to members – especially when delivering “expert” service. These CUs see branch appointment handling improvements as a critical component of their overall branch evolution. They describe a need for an affordable, intuitive branch calendar that can replace spreadsheets, Outlook Calendars or other technical approaches that have proved to be cumbersome and simply not effective in helping branch practices evolve. For members, joining a credit union might be the best financial decision they make. Key Take Away – implementing a sound appointment-handling strategy can increase the leverage of expert platform staff, while helping to control branch labor costs.  

Branch of the Future – Part 1 – Distance Matters

[Updated April 2025] Bringing Digital and Branch Strategies Together The research is clear—location still matters, even in a digital world. While more members are banking online or on their phones, they still want to know there’s a nearby branch when they need one. Especially for more complex services like loans, new accounts, or financial advice, in-person support remains a top priority. So how can credit unions make the most of this? By bridging the gap between digital and physical service—and that’s where Better Lobby comes in. With tools like Online Queuing and Mobile Appointment Booking, members can find a branch, check wait times, and reserve a spot—all from their phone or computer. It gives them the confidence that when they walk in, their time will be respected. Better Lobby also supports shared branching, making it easy for members to find and connect with service points beyond their home credit union—all while tracking visits and services in one unified system. Why This Matters for Growth 📍 Nearby branches help convert online searches into real visits 📲 Better Lobby tools make it easy to go from digital interest to in-person support 🧑‍💼 Real-time data helps managers see where members are going—and why Your website isn’t just a tool for digital banking—it’s a bridge to your physical branches. By promoting your locations and using Better Lobby to power them, you’re meeting members exactly where they are: online and in person. Branch Strategies: Bringing Credit Union Services Closer to Your Members In a world full of apps and digital tools, some things still matter—like having a local branch that members can count on. While online and mobile banking continue to grow, smart branch strategies remain key to keeping credit unions connected to their communities. So, what does a good branch strategy look like in 2024? It’s all about being accessible, flexible, and member-focused—and Better Lobby can help make that happen. Why Branch Strategies Still Matter Even as digital channels become more popular, members still want: ✅ Face-to-face support for complex services (like loans or account issues)✅ Trust and personal connection with local staff✅ Convenience—not every member lives near a large branch or prefers to bank online A strong branch strategy isn’t about adding more buildings—it’s about making your services feel close, no matter where your members are. 3 Smart Branch Strategies Credit Unions Should Consider 1. Use Appointments to Bring Expertise Anywhere Not every branch needs a full team of specialists. With Better Lobby’s appointment scheduling, you can let members meet with the right expert—whether they’re in another branch or working remotely via video. 📍 This helps small or rural branches stay valuable without needing full-time staff for every service. 2. Offer a Virtual Branch Experience Sometimes, members want branch-level service without leaving home. With Better Lobby’s video appointments, online queuing, and phone options, you can give members that in-branch feel—from their couch, car, or kitchen table. 💡 This is especially helpful for younger members, busy families, and those with limited mobility. 3. Streamline In-Branch Visits When members do visit a branch, make the experience smooth and efficient. Better Lobby tools like: ✅ Self-check-in kiosks ✅ Wall displays to show queue order ✅ Real-time service dashboards …help keep things moving—and make every visit feel professional and fair. Putting It All Together A great branch strategy doesn’t mean going fully digital or sticking to the old model. It means meeting members where they are—both physically and emotionally. Whether that’s a flagship location, a small neighborhood branch, or a virtual meeting, the goal is simple: Make it easy for members to get the help they need, from someone they trust. With Better Lobby, your credit union can do exactly that—without adding complexity for staff or increasing overhead. Final Thoughts Branch strategies are evolving, but they’re more important than ever. Credit unions that embrace flexibility, efficiency, and personalization will not only stay relevant—they’ll grow stronger member relationships in the process. Want to see how Better Lobby can support your branch strategy? Let’s talk. Request a demo   The following section is the original post from April 2013. While some product names and screenshots may be outdated, we’ve kept it here for historical reference. Without a doubt, mobile and online banking are affecting branch networks, but physical branches are still critically important. Research firm Novarica noted this recently and fine-tuned this observation further by noting that branches are actually important when consumers are searching online for a new financial institution. Their research shows that more than half of consumers shopping for a new FI only want to compare institutions within five miles of home or work. Consumers in urban areas prefer closer branches, while those in rural communities are more likely to expand their search options beyond five miles. For members, joining a credit union might be the best financial decision they ever make. Key Takeaway: Consumers still desire the convenience of branches and use the Internet to find those locations, so credit unions must prominently promote their branch networks and shared branching locations on their home page.    

Workforce Management – Part 2

[Updated April 2025] Using Better Lobby Reports to Improve Branch Efficiency Running an efficient branch isn’t just about having the right number of staff—it’s about having the right data to make smart decisions. That’s where Better Lobby’s built-in reports come in. With over 50 ready-to-use reports, Better Lobby helps credit unions understand what’s really happening in their branches—from member wait times to staff performance and everything in between. What Can You Track with Better Lobby Reports? Better Lobby captures real-time data every time a member visits a branch. Here’s what you can learn from the reporting suite: ⏱️ Average wait time and service time 🧑‍💼 Which staff helped which members 📅 How many walk-ins and appointments happened 💬 What services were requested 🔁 Member return visit patterns 🧭 Peak traffic times by day or week This isn’t just numbers for the sake of reporting—it’s information you can act on. How Reports Improve Efficiency Here’s how credit unions are using Better Lobby reports to work smarter: 1. Smarter Scheduling If reports show that Monday mornings are consistently busy, managers can schedule more staff during that time—and lighten up when traffic slows. 2. Better Staff Planning You can see which team members are handling the most visits, which services take the most time, and where bottlenecks happen. That helps you assign the right people to the right tasks. 3. Fewer Surprises With real-time dashboards, branch managers can monitor activity throughout the day. If a wait time spikes, they can take action before it becomes a problem. 4. Clearer Member Trends Reports show which services members are coming in for most often. That helps with marketing, staff training, and even facility design. One Report = Many Improvements Imagine this: You review a monthly report and notice members often wait longer for loan services than for other visits. Now you can: Schedule loan officers more effectively Offer video appointments to reduce lobby traffic Add signage or online tools to guide members to the right service Small changes like these can lead to shorter waits, happier members, and less stress for staff. Why Measuring Staff Availability Matters More Than Ever in Branch Operations and Branch Efficiency Before “Workforce Management” became a buzzword in banking, Better Lobby clients were already asking how to track and improve staff availability in branches. They weren’t just focused on who’s scheduled—they wanted to know who was truly ready to serve members the moment the doors opened. It all started with a branch manager who said something we’ll never forget: “They may be at work, but if they’re not signed into the system, they’re not ready to help members.” That insight sparked the creation of one of Better Lobby’s most valuable tools—the Staff Availability feature. It does more than track clock-ins—it shows when staff are actually signed into the Host System and Better Lobby, indicating they’re ready to engage with members. The Real Cost of “Not Ready” Credit unions spend a large portion of their budget on branch staffing. But how much of that time is spent actively serving members? Without tracking tools, it’s hard to tell. A staff member arriving just five minutes late—or not logging in promptly—can have ripple effects on: ⏱️ Wait times 😠 Member satisfaction 💸 Operational efficiency Better Lobby helps you shine a light on these “invisible” moments so you can improve them. How Better Lobby Helps Better Lobby’s Staff Availability feature, combined with its comprehensive reporting suite, helps managers: ✅ See when staff are available and ready to serve 📈 Measure staff utilization throughout the day 🔍 Identify bottlenecks and gaps in service coverage 🏆 Make better decisions for scheduling, training, and incentives The best part? Once staff know their availability is being tracked, accountability improves—and so does performance. How Better Lobby Helps Credit Unions and Branch Efficiency Here are a few ways Better Lobby can improve efficiency in your branches: 📅 Appointment Scheduling Let members schedule time with staff for loans, new accounts, or other services. This helps your team prepare and reduces last-minute rushes. 🖥️ Self Check-In Kiosks & QR Codes Members can check in on their own—either at the kiosk or from their phone. That means less time managing the front desk and more time delivering great service. 📊 Real-Time Dashboards & Reports Better Lobby gives managers a clear view of lobby activity: who’s waiting, how long they’ve been waiting, and what services are in demand. You can use this data to adjust staffing and spot trends. 🧾 Visit History Tracking See what services a member has used before. This lets staff get right to the point—no need to ask the same questions again and again. The Benefits of higher Branch Efficiency When your branch is running efficiently: Members are happier because they don’t wait as long Staff are less overwhelmed and more focused Managers can plan better and avoid over- or understaffing Your credit union can serve more people without adding more space or staff Final Thoughts Improving branch efficiency doesn’t have to be complicated. With tools like Better Lobby, you can simplify how your credit union runs—while improving service at the same time. Want to learn how to make your branch more efficient? Let’s chat about what Better Lobby can do for your team. From Insight to Action When you measure something, you can manage it. Better Lobby gives credit unions the tools they need to take control of one of their biggest variable costs—labor—while creating a better, more consistent experience for members. Staff availability may not be a flashy metric, but it’s a powerful one. And it’s just one of the many ways Better Lobby turns everyday branch operations into opportunities for improvement. Request a Demo     The following section is the original post from August 2013. While some product names and screenshots may be outdated, we’ve kept it here for historical reference. Before Workforce Management became a “hot” business phrase, our clients wanted to use Better Lobby to improve Staff Utilization and Availability. It was many years

Credit Union Lobbies: Why Lobby Management is Essential in 2025

Why Lobby Management is Essential As we move into 2025, credit unions face new challenges in delivering exceptional member service while maintaining operational efficiency. Lobby management systems have become essential tools for modernizing credit union branches, reducing wait times, and improving the overall member experience. Whether it’s optimizing appointments, utilizing video meetings, leveraging real-time data, or integrating AI-powered analytics, a lobby management solution helps credit unions stay competitive in an increasingly digital world. This blog explores why lobby management is crucial in 2025 and how Better Lobby’s advanced tools can help credit unions streamline operations, enhance member service, and make data-driven decisions. Managing Member Traffic Efficiently Credit unions serve a diverse range of members, and keeping lobby traffic organized is critical to providing great service. A lobby management system ensures that every member knows where they are in the queue, reducing confusion and improving the flow of service. Lobby Management is Essential for member satisfaction. Here are ways it helps a credit union: Eliminates Guesswork – Members know when it’s their turn, reducing frustration. Reduces Wait Times – Appointments and check-ins help distribute member traffic. Prevents Overcrowding – A structured system helps credit unions optimize space. Lobby management creates a calm and organized environment, ensuring a smooth experience for both members and staff. Optimizing Appointments for Member Convenience Members expect modern, digital solutions, and offering appointment scheduling makes visiting a branch more efficient. No More Long Waits – Members can book a time instead of waiting in line. Personalized Service – Staff can prepare in advance for each appointment. Flexible Meeting Options – Appointments can be in-person or through video meetings for added convenience. With Better Lobby’s appointment system, credit unions can enhance efficiency and provide a more seamless experience for members. Video Meetings: Expanding Member Service Beyond the Branch Many credit union members now prefer the convenience of remote banking options. Video meetings allow members to connect with specialists from anywhere, reducing the need for unnecessary branch visits. Better Staff Utilization – Connect members with available specialists from any location. Improved Member Access – No need to travel—members can complete financial transactions remotely. Flexible Appointments – Offer members the option to schedule in-person or virtual meetings. With video meetings, credit unions expand service accessibility while maintaining personal connections with members. Turning Data into Actionable Insights A lobby management system is more than just a queue organizer—it collects valuable data that can improve service. Track Member Preferences – See what services members use the most. Monitor Staff Performance – Identify peak hours and improve staffing. Identify Service Trends – Use real-time data to optimize operations. With Better Lobby, all data is stored and available for analysis, allowing credit unions to continuously improve their service. Integrating AI and Business Intelligence Tools Data collected from a lobby management system can be connected to business intelligence tools like Power BI or Tableau. When paired with AI-powered analytics, this data can predict trends, improve workflows, and enhance decision-making. AI-Powered Scheduling – Predict peak times and adjust staffing accordingly. Smart Member Engagement – Use data to personalize marketing and services. Automated Process Improvements – AI can suggest ways to improve efficiency. By leveraging data-driven insights, credit unions can stay ahead of industry trends and ensure they meet evolving member expectations. Future-Proofing Credit Union Operations Credit unions in the United States that invest in lobby management software now will be better prepared for the future. Whether through digital check-ins, video meetings, AI-powered insights, or streamlined scheduling, staying ahead with the right tools ensures a better member experience and more efficient operations. Would you like to see how Better Lobby can transform your credit union? Let’s connect! 🚀 Request a demo of Better Lobby Key Takeaways on Why Lobby Management is Essential In 2025, credit unions must embrace technology to keep up with member expectations and optimize branch operations. Lobby management systems like Better Lobby provide efficient appointment scheduling, seamless video meetings, data-driven insights, and AI-powered business intelligence integration to help credit unions stay competitive and future-proof their services. By investing in a lobby management solution, credit unions can reduce wait times, improve service, and make smarter decisions with real-time data. Whether you’re looking to enhance member experiences, optimize staffing, or leverage AI-driven analytics, Better Lobby is the key to unlocking operational efficiency and superior service. Ready to take your credit union to the next level? Contact us today for a demo and see how Better Lobby can transform your branch operations! Request a demo of Better Lobby

Why Better Lobby Kiosks Are a Smart Move for Credit Unions

As the financial world continues to shift toward digital-first services, credit unions are redefining what “in-branch” experiences look like. A perfect example? Self-check-in kiosks. Want to make a smart move? Having kiosks are a smart move. Instead of handing out magazines or having members wait aimlessly for their appointments, forward-thinking credit unions like Island Savings CU are handing members tablets. Members can browse, stay productive, or—more importantly—check themselves in with ease. [Updated May 2025] Tablets That Do More Than Entertain Better Lobby’s Self Check-In Kiosk solution transforms a simple tablet into a powerful branch service tool. Whether you’re using an iPad, Android device, or Microsoft Surface, your members can easily: Check in for an appointment Update personal details Notify staff of their arrival You can even enable staff to assist with check-ins using the same tablet—perfect for greeter roles or helping less tech-savvy members. Customizable to Match Your Brand Every credit union is different, and Better Lobby knows that. Our kiosk interface is highly customizable, allowing you to: Add your branding and messaging Choose the check-in steps that match your service flow Support multiple languages or accessibility options This flexibility helps your branch look and feel modern while still maintaining the warm, community-first identity credit unions are known for. Benefits That Go Beyond Tech Implementing Better Lobby kiosks does more than digitize a process. It: ✅ Improves member experience by giving members more control and less wait✅ Reduces front-desk strain, freeing staff to focus on more complex needs✅ Demonstrates innovation, showing your credit union understands how members want to engage in 2025 and beyond As discussed in The Modern Credit Union Experience, today’s members want the best of both worlds: the convenience of digital tools and the personalized service of physical branches. Better Lobby kiosks bridge that gap beautifully. Key Takeaway on Kiosks Are a Smart Move Members are already comfortable using tablets. Why not use one to let them check in quickly and easily? With Better Lobby kiosks, you’re offering a smart, seamless, and cost-effective tool that makes both staff and members happier. Looking to modernize your branch without losing the personal touch?Better Lobby kiosks are the answer.   The following section is the original post from April 2016. While some product names and screenshots may be outdated, we’ve kept it here for historical reference. At Island Savings CU, when members have an appointment and are waiting to meet with an employee, instead of handing out magazines and newspapers, they are offered tablets that they can use for browsing.  This is an excellent idea and one that matches perfectly with our Better Lobby Self Check-in Kiosk solution that can use either an iPad, MS Surface, or Android Tablet to self check-in (or a greeter can assist with check-in via the same tablet). Our kiosk pages are highly intuitive and can be easily customized to each credit union’s desires. Improving member service and reducing branch staff costs are just two of the benefits of installing a Better Lobby Kiosk. Key Takeaway: Many members enjoy using tablets for surfing the Internet and using one to check-in your members is a great way for your credit union to demonstrate insightful use of technology.

Human Interaction Is a Differentiator

[Updated April 2025] Why Human Interaction Still Matters in a Self-Service Banking World As credit unions embrace self-service tools—like online banking, mobile apps, and smart kiosks—it’s easy to think that technology is replacing people. But the truth is: human interaction is more important than ever. In fact, industry experts agree. In an American Banker article, Dave Martin writes that “in a self-service world, human interaction is a differentiator.” And in a more recent opinion piece, Bodhi Silberling makes the point clear: AI won’t replace human bankers—it will support them. Because at its core, banking is still about trust and relationships. The Role of Branch Staff Is Changing—Not Disappearing Technology handles the easy stuff: checking balances, moving money, scheduling appointments. But when members visit a branch, they’re often looking for something deeper: Advice on buying a home Help fixing a problem Someone to walk them through a complex process These are moments that require empathy, listening, and personal guidance—things no machine can truly replicate. How Better Lobby Supports Human-Centered Service Better Lobby’s tools help make sure your staff can focus on the member, not the paperwork: ✅ Kiosk and online check-ins reduce lines and keep things flowing ✅ Visit Purpose and History let staff prepare before the member even sits down ✅ Appointments ensure members get quality time with the right expert ✅ Reporting tools give managers insight into service quality, wait times, and staff performance When technology takes care of logistics, your team can take care of what really matters: building relationships. The Role of Appointment Scheduling in Human Interaction and Personalized Service In today’s world, members expect more than just quick service—they want personalized experiences. That means being greeted by name, getting help from someone who understands their needs, and feeling confident that their time is respected. Appointment scheduling is one of the easiest ways to deliver that kind of service—and Better Lobby makes it simple. Personalization Starts with the Booking Experience When a member books an appointment using Better Lobby, they can: 📸 See photos of available staff 🧑‍💼 Choose a team member based on role, language, or area of expertise 🌐 Pick the appointment type they prefer—in-person, video, or phone This gives members control and comfort before they even step into the branch (or log into a meeting). It also ensures they’re matched with the right person for their needs. Why Human Interaction Matter Personalized scheduling improves the experience for everyone: ✅ Members feel seen and supported ✅ Staff are prepared and confident for each meeting ✅ Appointments are smoother and more productive Whether it’s a loan consultation, account opening, or just a quick question, the right appointment setup helps create a positive, trusted interaction. Built for Modern Credit Unions Better Lobby’s appointment system is designed specifically for credit unions. It offers: 💻 Online and mobile booking—no app needed 🧑‍🤝‍🧑 Face-to-face appointments for in-branch service 📹 Video appointments for remote convenience 📞 Phone appointments when members prefer a quick call 📲 Customizable staff bios so members know who they’re meeting It’s all about meeting members where they are—on their terms. Final Thoughts In a busy, digital-first world, members want convenience without losing the personal touch. Appointment scheduling with Better Lobby gives your credit union the best of both: a modern system that makes booking easy and a warm, human experience that builds trust. When members choose who they meet with and how, every appointment feels more like a conversation—and less like a transaction. Request a Demo The following section is the original post from March 2014. While some product names and screenshots may be outdated, we’ve kept it here for historical reference.   In his article on retail trends, Dave Martin of Financial Supermarkets Inc does a great job of describing how, in a self-service world, human interaction Is a differentiator.  Key Takeaway: technology matters, but the team members’ future is being the human face of the organization.

New Accounts Lobby Management – Visits & Services

[Updated April 2025] Smarter Data, Smarter Decisions: How Better Lobby Supports Modern Branch Management Since the release of our “Visits & Services” upgrade, we’ve continued to evolve Better Lobby into a powerful platform for both member experience tracking and branch performance analysis. Today, Better Lobby is more than just a lobby management system—it’s a decision-making tool that helps credit unions operate more efficiently and serve members more effectively. With over 50 built-in reports, branch managers and executives can dive deep into: 📊 Wait times and service times 🧑‍🤝‍🧑 Staff performance and member service history 🏦 Branch traffic trends by day, week, or month 🎯 Service demand by category (e.g., loans, new accounts, card services) 🏅 Cross-selling success rates and follow-up outcomes These insights go beyond just “who came in and how long they waited.” They provide the why behind member visits, the how well of staff interactions, and the what’s next for branch planning, staff incentives, and marketing campaigns. Better Lobby also integrates with your core banking system, allowing the platform to track individual members across visits—giving you a complete view of member engagement over time. Want to know if your new loan campaign brought more members into the branch? Or which staff are consistently converting appointments into product signups? Better Lobby makes that visible. As more credit unions adopt data-driven strategies for branch operations, having a system like Better Lobby in place ensures you’re not just collecting data—you’re using it to take action. Credit unions today are facing big changes—members expect faster service, digital options, and a more personal experience. To keep up, credit unions need to rethink how their branches operate. That’s where modern branch management comes in. Modern branch management is all about creating smooth, flexible, and member-friendly experiences—whether someone walks into the lobby or connects from their phone. And Better Lobby is built to support exactly that. How Better Lobby Supports Modern Branch Management   ✨ Make Every Visit More Efficient Long lines and unclear wait times are frustrating for members and staff. Better Lobby makes branch visits easier by: Letting members check in at a self-service kiosk or with their phone Showing who’s in line, what they need, and how long they’ve waited Helping staff stay focused on service—not on managing the lobby This means less stress at the front desk and more time for meaningful conversations. 📅 Offer Flexible Appointment Options Modern branch management means meeting members where they are—on their time and terms. Better Lobby helps credit unions do that by offering: In-branch, phone, or video appointments Easy online booking with no app required Staff photos and bios so members feel confident in who they’re meeting Appointments help your team prepare in advance and give members the service they expect—with fewer delays. 🧾 Keep Things Consistent Across Locations Whether you have one branch or twenty, consistency matters. Better Lobby gives your team the same tools at every location, so: Members get the same great experience no matter which branch they visit Staff follow a smooth, repeatable process New employees can get up to speed quickly with user-friendly features Consistency is key to building member trust—and keeping operations running smoothly. 🤝 Connect In-Branch and Online Services Modern branch management isn’t just about physical spaces. It’s about connecting the digital and in-person experience. Better Lobby brings these together by letting members: Join a same-day queue from home Schedule appointments from your website Get help from a real person—virtually or in the branch This hybrid approach makes your credit union more accessible, without adding complexity. Final Thoughts on Modern Branch Management Modern branch management is about more than redesigning buildings—it’s about creating better service experiences for today’s members. With Better Lobby, your credit union can improve efficiency, increase flexibility, and deliver the kind of service that keeps members coming back. Ready to bring your branch operations into the future? Let’s talk about how Better Lobby can help. Interested in turning your member service data into smarter decisions?Request a demo today and see what Better Lobby can do for your team. Credit unions can serve an important role in innovation. The following section is the original post from March 2013. While some product names and screenshots may be outdated, we’ve kept it here for historical reference. Not long ago, one of our clients approached us to improve Better Lobby/New Accounts to better distinguish between “visits” and “services”. They went on to explain that they were focusing on branch labor costs using Activity Based Costing (ABC) and needed reporting of BOTH visits and services provided by staff during a platform visit. Shortly after learning this we released our “visits & services” upgrade that encourages MSRs to record multiple services for each visit and modified Better Lobby reports to reflect new account “visits” or “services”. Our on-line, drill down reports toggle with the click of the mouse between the two. To learn more about Better Lobby and New Accounts      

Chase Vs. Umpqua: Two Views of the Future Branch

[Updated April 2025] What the “Branch of the Future” Means for Credit Unions Today As credit unions plan for the future, one thing is clear: the old model of the branch is changing. Routine transactions are moving online or to ATMs, and members are coming into the branch for more meaningful reasons—like getting a loan, opening an account, or solving a complex issue. So, what should the modern branch look like? A few years back, a compelling article compared two different visions of the “Branch of the Future”—one from Chase Bank and the other from Umpqua Bank. The lessons from both still apply today—and credit unions can learn a lot from both approaches. Two Visions, Two Priorities Chase focuses on speed and efficiency. Their branches are designed to push everyday transactions to smart ATMs and quick-service desks, freeing up staff for higher-value tasks. Their strategy is clear: reduce teller traffic, lower staffing costs, and streamline service. Umpqua, on the other hand, focuses on engagement and experience. Their branches feel more like community cafés or Apple Stores, with universal associates trained to handle any request, digital tools for self-service, and meeting spaces for community use. Both models are smart—and both are working. What This Means for Credit Unions Credit unions don’t need to copy one model or the other. Instead, the most successful institutions are finding a balance between efficiency and experience. Here’s how: ✅ Use self-service tools to move simple transactions out of the branch (Better Lobby’s kiosk and online queuing help with this). ✅ Empower staff with flexible roles, like Umpqua’s universal associates, to handle everything from check-ins to consultations. ✅ Offer appointment scheduling to ensure meaningful interactions with the right expert at the right time. ✅ Design branch spaces that support both quick visits and deeper conversations—without overwhelming staff. How Better Lobby Supports Both Approaches Better Lobby helps credit unions build branches that are fast when they need to be and personal when it matters most: Kiosks and online queuing reduce lines and help members check in easily Appointment scheduling ensures complex visits get the time and attention they deserve Visit history and service tracking help staff prepare for member needs in advance Reports and analytics help you optimize staffing and monitor traffic flow Whether your goal is Chase-style efficiency or Umpqua-style engagement, Better Lobby gives you the tools to support both. Two Views of the Future Branch As credit unions plan for the years ahead, one thing is clear: branches are evolving. Members no longer visit just to make deposits or check balances—that’s what online banking and ATMs are for. Today, branches are becoming places for meaningful interactions, like opening accounts, getting loans, or getting personal guidance. So, what should your branch look like in the future? Let’s explore two views of the future branch, inspired by major banks that took very different—but successful—approaches. 🏃 The Efficiency Model – Chase Chase Bank focused on speed and streamlined service. Their branches move routine transactions to self-service ATMs and quick stations, so staff can spend time helping with more complex needs. It’s all about cutting wait times and using staff resources wisely. ☕ The Engagement Model – Umpqua Umpqua Bank took the opposite route—designing branches like community hubs. Think cozy spaces, digital tools, and universal associates who can handle anything from cashing a check to setting up an account. It’s about making members feel at home and building deeper relationships. What Can Credit Unions Learn? Both models offer valuable insights: Efficiency helps lower costs and speed up service Engagement builds trust and strengthens member relationships With Better Lobby, credit unions don’t have to choose one or the other. There are Two Views of the Future Branch. Our tools help you balance both—whether you’re streamlining check-ins with kiosks or scheduling video meetings that feel personal and convenient. The future isn’t one-size-fits-all. It’s about finding the right mix of technology, flexibility, and human connection that works for your members. Designing Credit Union Branches for Both Efficiency and Engagement Credit unions today face a big challenge: how do you serve members quickly and personally at the same time? Some members want to get in and out fast. Others want to sit down, ask questions, and explore their options. That’s why the best branches today are built around a balance of efficiency and engagement—and Better Lobby helps make it possible. Why Efficiency Matters Let’s face it: members are busy. Many just want to make a quick deposit, update their contact info, or ask a simple question. For them, long lines or unclear processes are frustrating. Here’s how credit unions can boost efficiency: ✅ Use Better Lobby’s kiosk or online queuing to cut down on lobby wait times ✅ Schedule appointments during off-peak hours to keep the flow steady ✅ Let members check in from their phone or a self-service station ✅ Use real-time reports to match staff levels to daily traffic When members know they’ll be served quickly, they’re more likely to visit and less likely to leave frustrated. Why Engagement Matters, Too At the same time, branches are no longer just places for transactions. They’re where members come for guidance, trust, and big financial decisions. Engaging with members in these moments means: 👥 Greeting them by name 🧠 Knowing their visit history and why they’re here (with Better Lobby’s Visit Purpose and Visit History features) 💬 Offering personalized support, not just one-size-fits-all answers 📆 Giving them the chance to schedule time with a real expert when it’s convenient for them Engagement builds relationships—and those relationships lead to loyalty, referrals, and long-term growth. How Better Lobby Supports Both Better Lobby gives credit unions the tools to serve all kinds of members, no matter their needs: Feature Supports Efficiency Supports Engagement Kiosk Check-In ✅ ✅ (adds personalization) Online Queuing ✅ ✅ (lets members choose when to arrive) Appointment Scheduling ✅ ✅ Visit History ✅ Real-Time Reports ✅ ✅ (supports better service planning) When these tools work together, your branch becomes a place where

Thoughts about Referrals and Cross-selling

[Updated April 2025] Turning Conversations into Opportunities: How Better Lobby Supports Cross-Selling in Credit Unions A few years ago, The Financial Brand published a powerful series called “What Banks and Credit Unions Can Learn From One Another.” One article in particular stood out: the importance of cross-selling—the ability to connect members with additional products and services they genuinely need. At Better Lobby, we believe cross-selling isn’t about pushing—it’s about understanding the member and being ready to help. That’s why we built our New Accounts and Cross-Selling tools to give credit union managers clear visibility into how staff are performing in this area. The 3 Key Takeaways for Better Cross-Selling According to BlueSpire Marketing, successful cross-selling comes down to three key strategies: Know your sticky products – These are the services that keep members coming back, like checking accounts with direct deposit or online banking tools. Use targeted marketing – Don’t try to sell everything to everyone. Use data to connect members with what’s relevant to their life stage or needs. Set clear goals for staff – Employees should know what success looks like—and have tools to track it. How Better Lobby Helps Credit Unions Do This Better Lobby makes cross-selling easier and more trackable with built-in tools that: 🧾 Capture the reason for a member’s visit during check-in 🧑‍💼 Let staff log referrals or product conversations during the visit 📊 Provide reports that show which staff are making referrals, which products are offered most, and what’s converting into real accounts or services 🔁 Track repeat visits and long-term engagement This data gives managers the insight they need to coach staff, reward top performers, and identify missed opportunities. It’s Not About Selling—It’s About Helping When done well, cross-selling builds trust. It means telling a member, “Since you just opened a savings account, would you like to set up automatic transfers to make saving easier?” That’s not a pitch—that’s good service. Better Lobby helps credit unions turn quick visits into meaningful conversations that benefit both the member and the credit union. Using Visit Purpose Data to Personalize Service Every time a member walks into your branch, it’s a chance to build a stronger relationship. But to truly serve members well, your staff needs more than a smile—they need insight into why the member is there and what their history looks like. That’s where Better Lobby’s Visit History feature comes in. What Is Visit History? Built into the main service queue of Better Lobby, Visit History shows a complete record of a member’s previous visits, including: 🗓️ Date and time of each visit 📍 Branch location they visited 🧾 Service requested (e.g., new account, loan inquiry, card replacement) 👤 Staff member who helped them 📝 Internal notes from the visit This feature gives credit union staff a clear picture of how each member is interacting with your services—making it easier to offer personal, meaningful support. Why Visit History and Cross-Selling in Credit Unions Matter When staff can quickly see a member’s recent visits, they can: ✅ Pick up where a previous conversation left off ✅ Avoid repeating questions the member has already answered ✅ Proactively suggest services the member might benefit from ✅ Spot patterns that show how the member is using the credit union For example, if a member came in twice in the past month to ask about loan options, the staff can offer to schedule a full appointment with a loan officer—or send helpful resources via email. A Better Experience for Members and Staff Visit History helps your team: Be more prepared Deliver faster, more relevant service Build trust and rapport with members over time And for members? It feels great to be recognized and helped by someone who remembers you—not treated like a brand-new stranger every time. Final Thoughts on Cross-Selling in Credit Unions Credit union service isn’t one-size-fits-all—and it shouldn’t feel that way. Better Lobby’s Visit History feature gives your staff the tools to understand your members better and serve them with care and confidence. By using visit purpose data to guide conversations, your credit union can turn everyday transactions into long-term relationships. Request a Demo   The following section is the original post from February 2014. While some product names and screenshots may be outdated, we’ve kept it here for historical reference. The Financial Brand recently published a series of articles that are thought provoking  “What Banks and Credit Unions Can Learn From One Another”. The “art of cross-selling” segment resonated with us, because our Better Lobby/New Accounts product provides CU Managers with help measuring staff performance in the area of referrals and Cross-selling. The Key Takeaway from the Financial Brand discussion (written by BlueSpire Marketing) is” (1) Know your sticky products, (2) Employ highly targeted marketing, and (3) Make sure your staff know what their goals are. For the Cross-selling article go to http://thefinancialbrand.com/36383/cross-selling-banks-credit-unions/ For the entire series, start at http://thefinancialbrand.com/28210/content-marketing-tips-for-banks-and-credit-unions/  

Harnessing the Power of Video Meetings: Enhancing Member Engagement through Efficient Meeting Coordination

As the banking landscape continues to evolve, financial institutions are increasingly turning to video banking as a means of expanding customer engagement and driving operational efficiency. Leading analyst firm Celent emphasizes the importance of embracing video banking to remain competitive and retain customers. In this article, we delve into the significance of video banking and explore the role of efficient meeting coordination in maximizing its benefits for credit unions and their members. Embracing Video Banking Video banking offers financial institutions the opportunity to enhance customer engagement and convenience through virtual interactions. With the ability to connect with members remotely, video banking expands the reach of branch services while providing a cost-effective solution for institutions. By leveraging video technology, credit unions can offer personalized support and expert guidance to members, regardless of their location. The Importance of Meeting Coordination However, the successful implementation of video banking requires careful coordination, particularly when conducting video meetings with product specialists or expert staff. Efficient scheduling and management of these interactions are essential to ensure a seamless and satisfying experience for both staff and members. Recognizing this need, our Branch Video Meeting Queues solution was developed to streamline the process of connecting expert staff with branch visitors via video. Introducing Branch Video Meeting Queues The Branch Video Meeting Queues module is designed to simplify and expedite the scheduling and execution of video meetings within credit union branches. By seamlessly integrating with existing systems, this solution enables credit unions to efficiently manage member interactions while optimizing staff utilization and reducing branch costs. With features tailored to the unique needs of credit unions, such as member service management components, Branch Video Meeting Queues fill the gap left by traditional video conferencing systems. Maximizing Member Service Management One of the key benefits of the Branch Video Meeting Queues module is its focus on member service management. By providing credit unions with the tools to effectively schedule, track, and monitor video meetings, this solution ensures that members receive the attention and assistance they deserve. From appointment scheduling to post-meeting follow-ups, Branch Video Meeting Queues enhance the overall member experience and foster stronger relationships between credit unions and their members. The Role of Efficient Scheduling Software For credit unions considering the adoption of video banking, the role of efficient scheduling software cannot be overstated. Effective management of video meetings is essential to maximizing the benefits of this technology and delivering exceptional service to members. By investing in a comprehensive scheduling software package, credit unions can streamline meeting coordination, optimize staff resources, and elevate the overall branch experience. Key Takeaways Video banking holds immense potential for credit unions seeking to enhance member engagement and drive operational efficiency. However, the success of video banking initiatives hinges on efficient meeting coordination and management. With solutions like Branch Video Meeting Queues and robust scheduling software packages, credit unions can harness the power of video banking to deliver personalized service, increase staff utilization, and reduce branch costs. By embracing video technology and investing in efficient meeting coordination tools, credit unions can stay ahead of the curve and meet the evolving needs of their members in today’s digital age.

Lobby Queues can improve Staff Performance

[Updated April 2025] Why Time Matters: How Better Lobby Helps Credit Unions Serve Busy Members According to Gallup, half of Americans feel they don’t have enough time in the day. That’s especially true when it comes to running errands like visiting the credit union. Members want fast, friendly service—but they also want to feel like their time is respected. Staff Performance is critical for better member experience. This reality brings up four important questions for credit union leaders: How long will members wait before they become frustrated? Does waiting make members less open to longer conversations or sales? Are you staffed properly when foot traffic spikes? How can you make the most of the short time you have with each member? Better Lobby helps credit unions answer all of these questions with smart lobby management tools—starting with self check-in kiosks and member data collection. Prepare Before the Conversation Starts Helping Staff Performance When members check in using a Better Lobby kiosk (or a mobile link), they’re asked to provide: Their name or member ID The reason for their visit (e.g., open an account, apply for a loan, update contact info) This simple step gives your member service reps (MSRs) a huge advantage: they can review the member’s info, prepare materials, and focus their time before the meeting even starts. That leads to: ✅ Shorter wait times ✅ More productive conversations ✅ Higher member satisfaction ✅ Stronger opportunities for cross-selling Make the Most of Every Minute Better Lobby isn’t just about keeping the line moving—it’s about maximizing the quality of each interaction. When your team is informed and prepared, they can get straight to helping members—without rushing or scrambling. Helping credit unions succeed. Even better, the system provides real-time data and reports to help managers: Staff up during peak hours Reduce bottlenecks Spot trends in service demand This leads to fewer delays, smoother visits, and better use of everyone’s time. Using Wait Time Data to Improve Member Satisfaction No one likes waiting—especially when it comes to handling their money. For credit unions, managing wait times is a key part of delivering a great member experience. That’s why Better Lobby makes it easy to track, understand, and improve wait time performance across all branches. See the Full Picture of Wait Times Better Lobby tracks wait time data in real time and stores it in over 50 easy-to-use reports. You can view: ⏰ Average wait time by hour 🗓️ Trends by day of the week 📍 Wait times across different branch locations This helps branch managers answer important questions like: When are we the busiest? Which branch has the longest waits? Do we need more staff at certain times? Going Deeper with Business Intelligence Tools Some credit unions want to go even further. That’s why Better Lobby allows access to wait time data directly from its SQL database. This means your team can: Pull Better Lobby data into business intelligence (BI) tools like Power BI or Tableau Combine it with other data (like core system info, staffing schedules, or survey results) Create custom dashboards to spot trends, identify issues, and improve planning This level of insight helps credit unions make smarter staffing decisions, improve scheduling, and most importantly—reduce wait times for members. Why Wait Time Data Matters for Members When members experience long waits, even great service can feel frustrating. But when branches are staffed appropriately and running smoothly, members feel: ✅ Valued and respected ✅ Less rushed or anxious ✅ More open to asking questions or learning about other services In short, shorter waits = happier members. Final Thoughts Better Lobby doesn’t just help you manage member traffic—it helps you improve the quality of every visit. By using wait time data effectively, your credit union can plan better, respond faster, and create a smoother experience for every member who walks through the door. Whether you’re using built-in reports or connecting to a BI platform, Better Lobby gives you the tools to turn wait time data into real-world service improvements. Request a demo The following section is the original post from January 2014. While some product names and screenshots may be outdated, we’ve kept it here for historical reference. Gallup polls show that half of Americans feel that they are pressed for time in their daily lives. For credit unions looking to deliver stellar service, this fact of life brings up four big questions: How long will members wait for service and remain “happy”? Does waiting time erode “consulting” time, because the member becomes anxious to leave? Are you adequately staffed for traffic surges? How to do you make the most of the limited time spent with a member? At Better Branches Technology, we know from experience that platform staff performance improves if Platform Staff know the member’s identity and the purpose of their visit prior to starting their interaction with the member.  Knowing this, the MSR can prepare for the meeting – review the account, assemble product collateral and generally “get focused”. Key Takeaway: Lobby Management applications with member check-in kiosks can improve platform performance by immediately capturing visitor identity and visit purpose. The additional information will pay big dividends in new sales and member satisfaction.

The Future of Member Engagement: Interactive Technologies That Are Changing the Game

In today’s digital age, staying connected and engaged with members is more critical than ever for financial institutions. This article dives into how innovative technologies are transforming the way credit unions interact with their members. The Future of Member Engagement is interactive technologies. By integrating advanced tools and systems, these institutions can significantly enhance member satisfaction and streamline service delivery. What to Expect: In the upcoming sections, we will explore a variety of technological solutions that are making a big impact. From sophisticated reporting tools that provide deep insights into member behaviors to dynamic text messaging systems that facilitate instant communication, and interactive video meetings that bring face-to-face interactions online, each technology plays a pivotal role in reshaping member services. We’ll look at how these tools not only improve operational efficiency but also enrich the overall member experience. Good to Know: For those interested in the technical side, it’s important to note how the integration of these technologies can influence data security and compliance. Advanced encryption and secure data handling protocols are essential components of these technologies, ensuring that member information is protected while enhancing engagement. This is particularly crucial for institutions navigating the complex regulatory landscapes of financial services.   Evolution of Member Engagement Technologies Historical Context of Member Engagement Member engagement at credit unions has evolved significantly over the years. Traditionally, interactions were primarily face-to-face, with members visiting local branches for every little query or transaction. This method, while personal, was often time-consuming and limited by branch operating hours. Modern Technologies for Credit Unions Today, technology has revolutionized how credit unions interact with their members. We now have: Reporting Tools: These provide deep analytics on member behavior and preferences, allowing for more personalized service. SMS (Text Messaging): Instant communication is possible with text messaging, enabling credit unions to send reminders, alerts, and even personalized offers directly to members’ phones. Video Conferencing: Virtual face-to-face interactions through video conferencing break the barriers of location, making it convenient for members to speak with credit union representatives without stepping into a branch. Importance of Adaptation In a digital era, adapting to these technologies is no longer optional for credit unions—it’s essential. Utilizing modern technologies not only improves operational efficiency but also enhances member satisfaction by providing services that are quick, personalized, and accessible from anywhere. This adaptation is crucial for staying competitive in a market where members expect convenience and personalization. Good to Know: Engaging with members through these technologies can also improve online visibility. For instance, credit unions that actively use SMS for promotions or video conferencing for consultations can leverage these interactions for content creation, enhancing their digital marketing efforts and boosting search engine rankings.   Reporting Understanding Better Lobby’s Reporting Better Lobby offers a range of printable reports that are crucial for managing operations effectively. These reports cover everything from daily operations to in-depth analyses of member visits and staff service volumes. The Role of Reports These detailed reports are vital tools for credit unions. They help identify both strengths and areas needing improvement within specific branches. By examining patterns in member visits or staff performance, management can make informed decisions that directly impact the efficiency and effectiveness of their services. Why Reporting Matters In today’s data-driven world, the ability to collect and analyze information is essential. Reports from Better Lobby provide credit unions with the insights needed to optimize their operations. Remember, you can’t improve what you don’t track and measure. By keeping an eye on these metrics, credit unions can ensure they are meeting their members’ needs and adapting to changing demands effectively. Good to Know: Consider how data from these reports can be used to create content. For example, sharing case studies or success stories based on report data can greatly enhance online engagement and visibility. This not only positions your credit union as a data-driven and member-focused institution but also improves your content’s relevance and appeal.   See the Mood of the Queue with Just One Look Queue Vibe Display Overview Better Lobby’s Queue Vibe Display is a revolutionary feature designed to instantly show the mood of the queue in your credit union lobby. This popular innovative tool uses a simple, visual format to convey information, making it easy for staff to gauge member satisfaction at a glance. Visual Feedback System The Queue Vibe Display uses universally understood emojis to communicate the mood of the queue. Here’s how it works: A happy face emoji means members are satisfied, indicating that services are running smoothly. A neutral face suggests an average experience, pointing out areas where there may be room for improvement. A sad face alerts staff to issues that need immediate attention to prevent member dissatisfaction.   This system allows for real-time adjustments, ensuring that member needs are promptly addressed.   Benefits for Credit Unions Implementing the Queue Vibe Display in your lobby can dramatically enhance your service delivery: Quick and Easy: Staff can understand the lobby’s atmosphere with just a glance, enabling them to react swiftly to changes. Enhances Member Experience: By responding quickly to the displayed moods, your team can significantly boost member satisfaction. Efficiency for Busy Teams: Ideal for busy teams, this tool cuts down the time spent on analyzing detailed reports, allowing staff to focus on direct service and member interaction. Integration with Existing Systems Better Lobby’s innovative features like the Queue Vibe Display are designed to seamlessly integrate with existing systems within your credit union. This integration means you don’t have to overhaul your current setups but can enhance them with these additional functionalities. By syncing with systems like appointment scheduling and member management, these tools provide a holistic view of your lobby’s atmosphere and efficiency. Feedback from Credit Unions The feedback from credit unions using these technologies has been overwhelmingly positive. The module bridges generational divides and everyone from Boomers to Gen Z enjoy using the tool. Good to Know: For those looking to leverage this technology further, consider integrating the data from the Queue Vibe Display into

Increasing credit union relevancy

In a recent Financial Brand article Andre Iervolino, former CTO at Rev Credit Union, laid out 10 key change factors CUs must understand, plan for, invest in, and — in particular — execute on in order to not only remain relevant in banking’s future, but increase their relevancy. One of his 10 items was: Employees will be trained to identify member needs by life stage and will be empowered by tablet banking and personalized appointment scheduling platforms to be able to carry on comfortable interactions and conversations as they and the member walk around the open space at the branch and connect emotionally. Key Takeaway: Mr. Iervolino, who has over 20 years of credit union experience, makes some valid and interesting observations in his article (see article here). We directly address the two items mentioned above with our Kiosk and Appointment solutions. Plus we also offer other modules (video banking, online queueing, etc.) that greatly assist credit unions in their quest to increase relevancy in a world where consumers have a plethora of options for managing their finances.

Redefine the Branch Experience

Research continues to show that most Americans still prefer branches for more complex financial needs and advice. The consensus among industry observers is that branches must quickly transition away from transactions to become centers of advice and sales. In order to make this transition, your branch staff will need the latest technology and tools that will empower them to better engage with members. One tool that helps deliver higher levels of service is texting. Americans of all ages enjoy and use texting on a daily basis for quick communication. We have developed texting tools that your members will appreciate, e.g., Text Me When I am Soon to be Served; Parking Lot Check-in via text; and Notify Now that permits your staff to text waiting visitors that it is their turn for service. Key Takeaway: Redefining the branch experience demands innovative software. This is our reason for being: providing innovative, affordable software solutions that help CUs deliver the highest standard of service.

Delivering Relationships

Well known financial consultant Dave Martin recently noted in one of his articles that “as banking increases self-service technology, our face-to-face interactions may become less frequent. Each one, however, becomes more important, not less.” One excellent way to ensure that each face-to-face interaction is meaningful is to allow your members to schedule appointments – either in-person or via video. Appointments ensure that your staff is properly prepared for the meeting in advance. Plus notifications – either email or text or both – remind your members to bring the necessary paperwork to the meeting which helps ensure that the meeting is successful on the very first visit. Key Takeaway: Appointments can play a key role in helping in boosting member satisfaction levels.

Data Driven Branches

Many financial industry observers contend that branch networks must adopt a data-driven methodology if they expect to stay agile enough to maintain and build market share. Without a doubt, the need for analytics is greater now than it ever has been. There are a wide variety of branch visitor metrics that are important to senior CU managers. Here are a few: Reason for visit Wait time Service time Other products/services discussed during visit A robust visitor management system can greatly improve access to visitor metrics like the four essential ones listed above, while simultaneously increasing management’s “span of control.” Key Takeaway: The human-powered branch is not going away. CU managers must be able to granularly capture analytics about both walk-in and appointment branch visits, and then act on those metrics in order to effectively manage their branch networks.

How Better Lobby’s Queue Vibe Display Transforms Credit Union Lobbies into Mood Trackers

In today’s world, credit unions are all about providing the best service to their members. But have you ever wondered what the overall mood in your lobby is like? That’s where Better Lobby comes in with its incredible Queue Vibe Display! 🌟 This new feature acts as a mood tracker for your credit union, giving you instant feedback on how your members feel while they wait. And trust us, once you start using it, you’ll wonder how you ever managed without it! See the Mood of the Queue with Just One Look! 👀 No more guessing games or digging through piles of data to understand how your lobby is doing. Our Queue Vibe Display gives you a quick, visual update on the mood of your queue using fun, simple emojis. This revolutionary feature was created after listening to feedback from leading credit unions who wanted a faster, more straightforward way to keep a pulse on member satisfaction. Why You’ll Love the Queue Vibe Display 💖 Quick and Easy: With just one glance, you’ll know if your lobby is running smoothly. Fun Emojis: Universal emojis like happy, neutral, and sad faces tell you immediately how the wait experience feels to your members. Better Service: By spotting potential issues early, your team can act fast to improve member satisfaction. A Feature in Demand: This wasn’t just our idea—it was developed based on specific requests from top credit unions looking to enhance their member experience. Competitors, take note: Your clients might soon be asking, “Do you have a Queue Vibe Display like Better Lobby?” 😉 How It Works 🛠️ Our Queue Vibe Display uses smart algorithms to monitor wait times and collect real-time feedback from members. The display shows an emoji based on the current vibe in your lobby: 😊 Happy Face: Everything is running smoothly, and members are satisfied. 😐 Neutral Face: The experience is okay, but there might be room for improvement. 😢 Sad Face: Something is off, and immediate action is needed to improve the member experience. Perfect for Busy Teams! 🚀 Not everyone has time to sift through reports and analyze data every hour of the day. The Queue Vibe Display gives you the essential insights you need at a glance. It’s especially useful for teams that are always on the move, letting you maintain high service levels without getting bogged down by information. A Game-Changer in Member Satisfaction 🌈 The Queue Vibe Display isn’t just about fancy visuals; it’s about transforming how you interact with your members. Here’s why everyone is raving about this feature: Quick Reactions: Staff can react in real-time to improve member satisfaction. Transparency: Members get a clear sense of how their wait time is being managed, reducing frustration. Data-Driven Service: Collect data over time to identify patterns, helping you to enhance your services proactively. Good to Know: Some credit unions have even reported that using the Queue Vibe Display has helped prevent potential conflicts in the lobby by providing members with clear, real-time updates on their status. How Better Lobby Acts as a Mood Tracker 📊 Beyond the Queue Vibe Display, Better Lobby’s full suite of tools acts as a mood tracker for your credit union. Through real-time feedback, appointment tracking, and direct text communications, you get a complete picture of how your members feel during their interactions. This means you can adapt on the fly, making real-time adjustments that keep your members smiling. Why Competitors Should Be Jealous 😏 Let’s face it—who wouldn’t want a feature that can instantly show the mood of their lobby? This innovative tool sets Better Lobby apart in the market, making it the go-to choice for credit unions looking to elevate their member experience. So, while others are still struggling to figure out how to track member sentiment, Better Lobby users are already leading the way. Key Takeaways ✨ Instant Mood Checks: With the Queue Vibe Display, see your lobby’s mood instantly. Proactive Service: React quickly to keep members satisfied. Made for Credit Unions: This feature was specifically developed based on credit union feedback. Ready to Take Your Credit Union to the Next Level? 📈 Make your lobby a place where members love to be. Try the Queue Vibe Display today and see how something as simple as an emoji can make a big difference. Ready to make the switch? Request a demo and see firsthand why everyone is talking about Better Lobby! Request a Demo

The Hybridization of Digital and Physical Banking

“Hybridization” is a branch strategy that melds in-person and digital banking; some people also call this trend “phygital.” Regardless of the label, it acknowledges that banking channels are not separate and that members want to use online and mobile for certain financial activities (ie, balance inquiries, check cashing and other basic transactions) and in-person for other usually more important and complicated issues (ie, mortgages, investment, all types of lending, etc.). They salient point here is that your members expect that your CU can provide a multitude of ways for them to handle their finances the way that they want to – anywhere, anytime and on their terms. Key Takeaway: Many members have a strong desire for human interaction when it comes to handling their important money concerns, and to help address this need we have developed our online queueing, appointment and video modules to make it as easy as possible for them to meet with your employees.

Branch Makeover Post-Pandemic

Despite the fact that Americans have learned to function without full branches for months during the pandemic, “customers still want to use branches,” says Robert Meara, a senior analyst at Celent. The evolution of branch usage post-COVID is essentially the same as before the pandemic closed lobbies: less transactions and more person-to-person advice. One key difference is that the person-to-person portion now may involve a video meeting. These video consultations can take two forms: 1) use of video-conferencing kiosks or conference rooms located inside branches so that members can talk to financial specialists not based in that particular branch, or 2) remote video from a member’s phone, laptop, tablet or PC. These video meetings can also occur in two ways: 1) unscheduled or 2) via an appointment. Key Takeaway: Our Flexible Branches Video Meetings module easily handles any combination of the above mentioned video scenarios – with no software to download – at a very affordable price point.

CUs and Travel Agencies

In the early 1980s when booking travel was an in-person experience, travel agencies in the U.S. peaked at around 20,000. Today there are around 10,000 travel agencies in America. What lesson can CUs learn from this dramatic change? Perhaps the biggest one is that these surviving travel agencies have been successful because they are focused on providing services where advice, expertise, and complexity management command a premium. Just as members often self-book their flights, hotels and car rentals, many often handle basic financial transactions online or on their mobile devices. CU branches are increasingly reserved for delivering that human touch that so many people crave when it comes to seeking financial advice, expertise, and complexity management. Key Takeaway: Now is the time to repurpose your branches to make them easy for your members to come to hold important financial conversations. Appointments and online queueing are key components in efficiently enabling this new consultative, non-transaction branch paradigm.

The Future of Video Banking

Greg McBride, chief financial analyst at Bankrate.com, says the shift from brick-and-mortar to digital banking channels will help spur more widespread adoption of video banking platforms. Many analysts agree with him and are convinced that video banking will become commonplace for many reasons, but one compelling reason is that some problems can simply be easier to resolve if two people can see each other and share screens. According to McBride, consumers who tend to prefer branches will have the greatest propensity to use video banking platforms, although users in digital- and self-service channels will also leverage video chat if/when they get stuck. Key Takeaway: Many observers predict that video will play an important role in many CUs’ channel delivery plans in the months and years ahead. Our real world experience has already shown that this is not an idle prediction – we have seen rapid adoption of our Flexible Branches video meeting module in 2021.

Curbside Member Service

Member service can begin even before your lobby front door. Just as with many other industries, CUs have begun providing services curbside, including notarizations and loan document signings. This not only serves as a Covid safety measure, but it can be more convenient for elderly or disabled visitors. We recognized in the early days of the pandemic that the parking lot was becoming the new lobby and responded by adding our Parking Lot Check In functionality. This is a simple and easy to use feature that conveniently checks in members from the safety of their cars. Key Takeaway: By utilizing the Parking Lot Check In feature of our Online Queueing module, your CU can easily know when a member arrives, track who has been waiting and provide stellar member service at the member’s vehicle or in the lobby.

The Future of In-Person Banking

GoMoxie, a customer engagement software company, recently published a survey indicating that 62{91edff4ab0179c213d4d62ccb73735ad51d636906a6f58336791bd911b76df7b} of consumers prefer to use FIs that have a physical presence, rather than a digital-only presence. Many industry experts believe that the future of in-person banking will focus on: Appointments Value-based and higher level services, i.e., mortgages, loans, financial advice/investments Problem solving Key Takeaway: Without a doubt, the look, feel and purpose of your branches will be much different post-pandemic; and appointments – for both in-branch and video meetings – will play a key role in defining this in-person banking transformation.

Redefining Member Engagement: Banking Should be Personal

In the realm of financial services, the personal touch remains a cornerstone of the member experience. As Garret Reich, Editorial Associate with The Financial Brand, aptly articulates, “Few topics are as intimate, intimidating, and important to people as money.” This sentiment underscores the enduring appeal of face-to-face interactions within credit union branches. In an era dominated by automated systems and impersonal transactions, the branch serves as a sanctuary for meaningful connections. Members cherish the opportunity to engage with a real, live human—a service representative who can address their financial concerns with empathy and expertise. The shift in terminology—from “teller” to “service rep”—is indicative of a broader transformation within the banking landscape. Branches are no longer mere transaction hubs; they are evolving into service centers, prioritizing higher-value interactions over routine transactions that are better suited for digital channels. As we navigate the post-pandemic landscape, the role of branches continues to evolve. Personal appointments, tailored to the member’s schedule and preferences, emerge as the preferred mode of engagement. This personalized approach not only enhances the member experience but also ensures that their needs are met with precision and care. Expanding Branch Capabilities with Better Lobby In response to the evolving demands of modern banking, credit unions are turning to innovative solutions to enhance their branch operations. Better Branches Technology recognizes this shift and is proud to introduce Better Lobby—an advanced software platform designed to revolutionize the way credit unions serve members in their branches. Better Lobby goes beyond traditional lobby management systems, offering a comprehensive suite of features tailored to meet the unique needs of credit unions. From appointment scheduling and member check-in to real-time staff tracking and performance analytics, Better Lobby empowers credit unions to deliver exceptional service while optimizing branch efficiency. One of the standout features of Better Lobby is its seamless integration with existing credit union systems, ensuring a smooth transition and minimal disruption to daily operations. Whether credit unions are looking to streamline their lobby management processes, improve member engagement, or maximize staff productivity, Better Lobby provides the tools needed to achieve these goals and more. By harnessing the power of Better Lobby, credit unions can transform their branches into dynamic hubs of member interaction, where personalized service and convenience are paramount. As the banking landscape continues to evolve, Better Branches Technology remains committed to empowering credit unions with cutting-edge solutions that drive success in the digital age.   Key Takeaway: Embrace the changing face of branch banking. By prioritizing personalized interactions and leveraging technology to streamline operations, credit unions can elevate the member experience and strengthen relationships in the digital age. Your branches will most likely look quite different post-pandemic, and increasingly the best way to serve members in the branch will be via personal appointments scheduled at the member’s convenience.

Silicon Valley in Mayberry

Some observers are pointing out that there is really no need to engage in any “digital versus branch” debates. Members want to trust that you can meet them wherever they are: in the branch, at home or on the go. It is all about convenience and what is the most appropriate way to handle each member’s particular issue. Online and mobile banking are well suited to basic transactions, while video and face to face are often preferred for financial advice and more complicated issues. Key takeaway: We have long recognized that members want both digital and branch options, so our solutions are designed to strike a balance between the personal interaction that is important to your members, while also providing digital options that many members desire.

Scheduling Appointments Will Become the ‘New Normal’ in Banking

A recent Financial Brand article highlighted several quantifiable benefits that appointments offer credit unions in addition to helping promote safety: Appointment scheduling produces new account growth Appointment scheduling improves access – members can better plan their day, and branch staff can more carefully meter lobby traffic Appointment scheduling can improve Net Promoter Scores Without a doubt, appointments provide for stronger member engagement and have quantifiable ROI. Key takeaway: COVID-19 has accelerated the use of appointments, but their acceptance and usage are sure to continue post-pandemic.

Path Forward Involves Blending Digital and Physical

2020 has been challenging for everyone, but what it has revealed is that members want a blend of physical and digital service from their credit union. Amit Aggarwal, Managing Director of Digital Solutions at J.D. Power, put it very succinctly in a recent Financial Brand article: “An effective path forward lies not in segmenting digital and physical customers, but in developing a holistic approach to integrating and expanding customer relationships across engagement channels — including those that have been temporarily de-emphasized.” Trust is key – members want to know that you can meet with them in the branch, at home or on the go. Key Takeaway: One of our biggest goals is delivering solutions that help CUs strike a balance between the personal interactions that are important to members, and the video and digital service that many members desire.

Revolutionizing Credit Union Branches: Post-COVID Branch Technology Trends

In a recent insightful piece featured in the Financial Brand, James Caliendo, CEO at PWCampbell, emphasized the critical role of embracing fresh branch technology approaches for the future prosperity of financial institutions (FIs) post-pandemic. Caliendo advocated for the expansion of branch technology offerings to include innovative tools such as interactive kiosks, iPad integration, digital marketing screens, and video conferencing—a sentiment we wholeheartedly support. From the COVID-19 pandemic, credit unions have had to navigate uncertainties and adapt to the new environment. Technology like the lobby management solution of Better Lobby have enabled credit unions to adapt during and after the COVID-19 pandemic. Credit unions are mission-first institutions that members and their local community rely on, include small business, the backbone of economies.  Empowering Small Businesses: The Credit Union Difference Credit unions are not just another financial institution—they are pillars of support for local communities and small businesses alike. Unlike traditional banks, credit unions operate as member-owned cooperatives, prioritizing the needs of their members and the communities they serve above profits. This unique structure enables credit unions to offer a range of tailored financial products and services specifically designed to support the growth and success of small businesses. 1. Access to Affordable Financing Credit unions understand the challenges that small businesses face when seeking financing. That’s why they offer competitive loan rates, flexible terms, and personalized lending solutions to help small businesses access the capital they need to thrive. Whether it’s a business loan, line of credit, or equipment financing, credit unions work closely with small business owners to find the right financial solution to meet their unique needs. 2. Personalized Relationship Banking One of the key advantages of banking with a credit union is the personalized service and relationship-focused approach they offer. Unlike large banks, credit unions take the time to get to know their members and understand their businesses. This personalized approach enables credit unions to provide tailored financial advice, support, and guidance to small business owners, helping them make informed decisions and achieve their goals. 3. Business Support Services In addition to financial products and services, credit unions often offer a range of business support services to help small businesses succeed. From business checking accounts and merchant services to payroll processing and cash management solutions, credit unions provide the tools and resources small businesses need to manage their finances more effectively and efficiently. 4. Community Impact Beyond their role in providing financial services, credit unions are deeply committed to supporting the communities they serve. By banking with a credit union, small businesses can feel confident knowing that their deposits are reinvested back into the local community through loans to other members and community development initiatives. This creates a cycle of support that strengthens the local economy and fosters growth and prosperity for all. Supporting Small Businesses, Building Stronger Communities In conclusion, credit unions play a vital role in supporting the growth and success of small businesses. With their focus on personalized service, competitive financing options, and commitment to community impact, credit unions are uniquely positioned to help small businesses thrive. By partnering with a credit union, small business owners can access the resources, support, and expertise they need to achieve their goals and build a brighter future for themselves and their communities. Meeting the Demands of Tomorrow with Better Lobby At Better Branches Technology, we have taken Caliendo’s recommendations to heart and have meticulously addressed each area with our Better Lobby modules, ensuring credit unions are equipped with cutting-edge solutions to thrive in the evolving banking landscape. 1. Interactive Kiosks & iPad Integration (Better Lobby Kiosk) Our Better Lobby Kiosk module redefines member engagement within credit union branches. By seamlessly integrating interactive kiosks and iPad functionalities, credit unions can offer members self-service options, empowering them to complete transactions, access information, and engage with personalized content at their own pace. From account inquiries to appointment scheduling, BL Kiosk 5 enhances branch efficiency while delivering a tailored experience that resonates with members. 2. Digital Marketing Screens (Better Lobby Wall Display) The Better Lobby Wall Display module transforms traditional branch environments into dynamic, interactive spaces. With eye-catching digital marketing screens, credit unions can captivate members’ attention with targeted messaging, promotional offers, and educational content. By leveraging the power of visual communication, BL Wall Display enhances brand visibility, drives product awareness, and fosters deeper connections with members, ultimately driving engagement and loyalty. 3. Video Conferencing (Better Lobby Flexible Branches Video) In today’s digital age, the ability to connect with members remotely is more important than ever. Our Better Lobby Flexible Branches Video module empowers credit unions to offer virtual banking services through seamless video conferencing capabilities. Whether members seek financial advice, assistance with complex transactions, or personalized consultations, BL Flexible Branches enables credit unions to deliver the same level of personalized service virtually as they do in-branch, fostering trust and convenience while expanding access to financial services. Key Takeaway: Enhancing the Member Experience through Technology While technology will never replace the value of face-to-face branch interactions, its role in enhancing the overall member experience cannot be overstated. By embracing innovative solutions like Better Lobby, credit unions can position themselves at the forefront of member-centric banking, driving satisfaction, loyalty, and long-term success in the post-pandemic era.

Parking Lot Check-in Proves Popular

We have been getting very positive feedback on our new Parking Lot Check-in feature which is a simple and easy to use feature that conveniently checks-in members from the safety of their cars. It is not that surprising  because this latest addition to our Better Lobby Online Queuing module was developed as a direct result of CU client feedback With lobby traffic limited in many areas of the country, CUs are looking for ways to remain efficient while simultaneously creating a safe environment for their branch visitors. Online Queuing and Parking Lot Check-in are ideally suited to achieving these goals. Key Takeaway: The benefits of this Parking Lot Check-in functionality are numerous not only when social distancing measures are in place, but we feel that they will continue to resonate with members long after the COVID-19 pandemic passes.

Parking Lot Check-in Now Available

After implementing our Online Queuing module (software which enables branch visitors to place their name in the Better Lobby Main Service Queue – for walk-in service – before arriving at the branch) at various CUs across the US, we received feedback from our CU partners that they really wanted their members to be able to “announce” their arrival in the branch parking lot via a text message. Our developers responded quickly and we are proud to announce the release of our new Parking Lot Check-in feature. Once members have queued online, they receive a TEXT message with a “check-in” link that can be used when they arrive at the branch parking lot. It’s a simple and easy to use feature that conveniently checks-in members from the safety of their cars. Key Takeaway: By allowing members to wait in their cars, credit unions will be putting both their members and their employees at ease.

How Video Banking Can Bolster CUs During Difficult Times

In a recent BizTech article, web editor Keara Dowd stated that FIs that have deployed video banking have seen “direct returns on the investment. That is because video banking helps: increase consumer satisfaction create more intimate service levels increase the view of the CU as an innovative organization provide excellent business continuity Key Takeaway: Video banking is here and now and doesn’t have to be complicated or expensive. Our Flexible Branches video meetings solution supports unscheduled meeting and appointments, does not require any apps or software to be installed for visitors or staff, and is very affordable.

Branch Banking Remains Popular After COVID-19

In a recent poll conducted by Boston Consulting Group, just 3{91edff4ab0179c213d4d62ccb73735ad51d636906a6f58336791bd911b76df7b} of Americans said they would stop using branch banking altogether in response to the coronavirus pandemic. Without a doubt, this means that closing branches would not be advisable. Yet, CUs must seriously rethink how they plan to handle lobby visits post-pandemic. Better Lobby offers may ways to keep your lobbies open – both safely and efficiently: Appointments Online Queuing “Text me when I’m soon to be served” Key Takeaway: Your members expect and want access to face to face meetings. Fortunately there are affordable ways to meet their needs.

Flexible Branches Video Meetings Now Available

We just released our new Flexible Branches module that expands our Better Lobby Service Queue to enable members inside or outside a branch to be served by branch staff using video meetings. CU staff can be working remotely (i.e. home) or at a branch different from the visitor. Members have the option of connecting remotely through the credit union’s website or visiting a branch location that is video equipped. This timely module builds on our history of being the most innovative visitor management and appointments system in the CU marketplace. Key Takeaway: We think that Flexible Branches will help credit unions maintain branch service capacity even when access to branches is restricted by unexpected externally imposed changes and will significantly enhance your Business Recovery/Disaster Planning strategy.

Branch Visits Remain In Demand

In a recent poll conducted by Boston Consulting Group, just 3{91edff4ab0179c213d4d62ccb73735ad51d636906a6f58336791bd911b76df7b} of Americans said they would stop using branch banking altogether in response to the coronavirus pandemic. With demand for branch banking continuing, CUs will have to rethink how they handle in-person visits. One way to safely and effectively handle lobby visitors is by using our new “Text me when I’m soon to be served” feature in Better Lobby. Busy branch visitors who check in using Kiosk 5 can now receive a text when they are near the top of the service queue, thereby allowing them to wait for branch service wherever they like. Key Takeaway: As branch traffic ramps up, Better Lobby Kiosk 5 provides excellent options for implementing social distancing for visitors.

The Branch Experience

According to a recent report from research firm Celent, “when it comes to quick questions, the call center beats text messaging, chatbots or social media. But for longer conversations on financial advice, new account or loan applications, and other key life transitions, customers across all age groups still prefer in-person interaction.” They conclude that financial institutions “should invest in making their branch experiences more seamless and powerful.” Key Takeaway: Despite overwhelming satisfaction with mobile/online banking tools, along with increased digital channel adoption levels during the pandemic, many members still have a strong desire for in-person service. We can help you make these branch experiences more seamless and productive via our appointment scheduling and online queuing tools.

Appointments More Important Than Ever Post-COVID

Coronavirus has not eliminated members’ need to transact or finalize complex financial arrangements in the branch. Nor has it lessened member desire to speak with CU employees face to face about financial products and services. In a recent PYMNTS article, the author concluded that: “In-branch banking will exist long after the pandemic has abated, but it may shift from what consumers were used to seeing.” This shift will certainly see the current surge in online and mobile transactions continue. Simultaneously, it will also include increased demand for appointments for opening new accounts, financial advice and face to face problem solving. Appointments represent a win-win for CU staff and members: they can be granularly scheduled to limit lobby traffic and thereby comply with social distancing requirements.  Key Takeaway: Now, more than ever, is the time to allow your members to book appointments with your CU.

Branches Going Forward Post-COVID

The Financial Brand recently surveyed knowledgeable industry experts on how the coronavirus may have changed in-person banking forever. Here are a few sample responses: David Horton, Managing Director, Global Head of Innovation for Thynk Digital: “Long term, I do not see too much [downward] impact on the role of the branch when providing advice on complex financial products like mortgages, insurance and investing, as the ‘human’ element is still very much in demand by the consumer.” Bob Meara, senior analyst with Celent’s banking practice: “Money is a sensitive, emotional and complex topic. People will continue to value traditional face-to-face interaction for such matters.” Steven Page, VP of IT, Marketing and Digital Banking for SafeAmerica Credit Union: “Touch, smell and the pure simple optics of a branch will be critical. The institutions that take it seriously will be the winners.” Key Takeaway: Members will always want to meet with your staff, so every CU will need to do their best to help ensure that these interactions are done safely and efficiently. Our solutions, the Mobile Appointment Booking Tool, Online Queuing and Kiosk 5 with its “text me when I am soon to be served” feature, are designed for CUs looking to accomplish these goals.

Digital & Branches Are Completely Complementary

Over the years, many new banking channels have come on the scene: ATMs, Telephone Banking, Online Banking, Mobile Banking, Video Banking and more. After every advancement, some pundits have always predicted that the latest innovation will replace branches. However, the reality is that new channels have never replaced old channels – they merely add another layer of convenience for the member. It is safe to assume that this multi-channel reality will remain post-pandemic. Banking consultant Dave Martin sums it up nicely: “I believe that customers of well-run financial institutions are going to come out of this period with newfound appreciation for digital and remote channels, while also becoming more grateful for the physical presence of branches and bankers.” Key Takeaway: Digital channel usage is currently accelerating, but branches remain relevant. At Better Branches Technology, we are committed to helping connect all channels so that CUs can continue to deliver great service, however members choose to interact with them.

Flexible Appointment options

In a recent CU Journal opinion piece, Sean Desmond, chief customer success officer at nCino, notes that “credit unions are in a unique position to both help their members during this challenging time and solidify their status as their members’ trusted financial resource for the future.” He recommends that credit unions reach out to members and “proactively contact them to set up virtual or phone counseling appointments. Listen to their concerns and provide a roadmap for their financial future. As their primary financial institution, you are in the perfect position to help guide them toward achieving their short- and long-term financial goals.” Key Takeaway: Appointments can take many shapes: in-person, phone, video from branch to branch and video from the member’s device to the CU (also known as BYOD – Bring Your Own Device.) Regardless of how they are conducted, appointments help underscore that your CU offers a full range of contact options and places a priority on convenient access.

CUs excel at Personalized Service

The 2019 Retail Banking Report from Bain & Co. found that community FIs were experiencing ‘rampant’ leakage of accountholders to BigTech, Fintech and specialist start-ups. These companies often offer robust mobile apps and full featured websites that appeal to digital consumers. Yet survey after survey shows that all demographics – even so-called digital natives – still visit branches anywhere from monthly to at least quarterly on average. Some research even reveals that credit union members desire more personalization and in-person interaction at the branch than bank customers do. Why is this the case? Of course, people want to feel like they have physical access to their money, but more importantly they seek face-to-face financial guidance and personalized assistance that digital channels cannot provide. Personalized assistance is where CUs have always shined – members can count on their CU to deliver friendly service and consultative advice. Key Takeaway: In these difficult times, people are trying to maintain some degree of normality. Keeping your lobbies safely open, perhaps by appointment only as quite a few CUs and other organizations are doing, is one way your CU can continue to provide personalized service in a familiar environment.

Members Still Desire Branch Access

Without a doubt, digital channels are truly helping members handle many of their transactional banking needs during the current coronavirus pandemic. This increased online/mobile transaction volume has led some pundits to suggest that post-pandemic there will be little to no need for branches. But as long-time banking consultant Dave Martin wisely points out: “what customers desire is access to bankers. Customers do not miss the buildings. They miss personally interacting with and being assisted by actual bankers.” Key Takeaway: Even your most fervent digital-first members are not digital-only – most still desire face-to-face human contact in your branches when making important financial decisions.

Growth of Universal MSRs

A 2019 Kiran Analytics survey showed that implementation of the “universal bankers” role continued its rise and that 55{91edff4ab0179c213d4d62ccb73735ad51d636906a6f58336791bd911b76df7b} of FIs have deployed this type of employee. This growth reflects an ongoing shift in focus from transactions to advice, and many observers see this trend as accelerating post-pandemic as many people become more comfortable using digital channels for routine transactions. Additionally, demand for sound financial advice is set to grow as people come back from hardships of being laid off. Key Takeaway: many CUs have been turning to universal MSRs over the past few years and this trend will only continue to ramp up. Besides investments in staff training, CUs should strongly consider investing in an appointment scheduling solution so that these newly skilled employees will be prepared – both time-wise and paperwork-wise – for member meetings.

Improve the experience and safety of your lobby visitors

Personal finances need constant attention, especially when disaster hits. In difficult times, many people want face-to-face advice which is why many CUs are finding creative and safe ways to keep their lobbies open. Here are some ways that we help CUs accomplish this goal: Appointments – Many FIs and other organizations are currently switching to appointment-only branch visits. Online Queuing – Online queuing addresses lobby waiting issues by empowering your members to queue in advance or avoid queues altogether. “Text me when I’m soon to be served” – With this new feature in Better Lobby, visitors are free to wait for branch service wherever they like and know that they will receive a text when they are soon to be served. Key Takeaway: Branches have always provided the most personalized way to deliver service, information, and counseling. When everyday life is disrupted unexpectedly, face-to-face branch visits become even more critical in positioning your CU as a trusted advisor.

Branches as Advice Centers – Even More Important Going Forward

Jon Voorhees, a banking Consultant at Peak Performance Consulting Group, predicts that “the need for advice or account services will increase as more customers need help charting a new path forward financially in a post-pandemic world. The role of the branch has already been shifting more to an advice center in the last few years and that trend will accelerate.” Financial advice is best delivered face-to-face and when both parties are well prepared and have set aside a dedicated block of time to hold these important discussions. Both of those conditions are best met by appointments. Key Takeaway: One-on-one appointments with CU staff can easily be scheduled online using the Better Lobby Mobile Appointment Booking Tool. Appointments not only remind visitors of the date/time of their appointment, but also remind them to bring the information necessary to the meeting, while simultaneously providing staff the opportunity to thoroughly prepare for the meeting in advance.

Branches and Digital Enablement

In Deloitte’s 2019 Banking Industry Outlook report, the “Big Four” accounting firm notes that “the importance of the branch in attracting and retaining customers, contrary to conventional wisdom, should remain…branches will continue to have value, especially with greater digital enablement.” And their global consumer survey backs up this prediction – it showed that respondents were likely to increase branch use if the following features are offered: Extended service hours through virtual remote services with a representative 36{91edff4ab0179c213d4d62ccb73735ad51d636906a6f58336791bd911b76df7b} Digital screen self-service with representative help if needed 34{91edff4ab0179c213d4d62ccb73735ad51d636906a6f58336791bd911b76df7b} Ability to schedule a personal appointment for a virtual video meeting with a representative 31{91edff4ab0179c213d4d62ccb73735ad51d636906a6f58336791bd911b76df7b} Key Takeaway: Of course, this 2019 poll was taken before the current pandemic, so one can only imagine that these percentages have risen. Whether your members need to meet with a product specialist or a contact center agent, appointments improve the efficiency and personalization of both face-to-face and virtual interactions.

The Branch is Still a Rock

In a recent timely article, long time banking consultant Dave Martin offered some insightful observations on the value of branches: “Our branch employees will have numerous opportunities over the next few months to strengthen relationships and build customer loyalty like few other times in history.” “There will be many customers dealing with unplanned issues and concerns caused by an economic disruption, and in anxious times folks are drawn to positive, empathetic, and helpful people.” He concludes that: “In trying times, branches are the rocks of many folks’ banking relationships.” Key Takeaway: At Better Branches Technology, we are fully committed to helping credit unions be that rock for their members. We have numerous solutions that can help CUs keep their lobbies open while safely and efficiently serving members.

Why you need a branch

A recent Forbes article laid out six compelling reasons why consumers still want to use – and need to use – branches: Personal Touch to Solve Problems Advice on Complex Financial Topics In-Person Suggestions for Other Financial Solutions Cash and Foreign Currency Special In-Bank Services (ie, notary, coin cashing, safe deposit box, cashier’s check, etc.) Business Banking Relationships Key Takeaway: As long as people need to talk to other people to understand their finances and make decisions about their money, brick-and-mortar banking is still going to serve a vital need.

Branches Play a Key Role in Every CU’s Digital First Strategy

NCR’s SVP and General Manager Doug Brown recently observed that “the branch is a digital ecosystem in and of itself and it should be connected to the digital banking, self-service ecosystem.” He is convinced that the branch can play a vital role in the creation of a “digital first” financial institution – and so are we. We have developed three solutions that enable CUs to connect their branches directly to their members’ digital experiences: 1) the Mobile Appointment Booking Tool; 2) Online Queueing; and 3) Video Meeting Queues. Key Takeaway: One of the primary missions of Better Branches Technology is to help bring your CU’s branch experience into the 21st century, and we accomplish this via innovative software that links your digital channels to your branches.

Streamlining Your Branch Operations

Two major prerequisites for streamlining branch operations are measurement and analysis. There is an old – but true – saying: You can only manage what you measure. As Kerim Tumay of Kiran Analytics recently pointed out in a recent article: “In order to improve operational efficiency, you need to have an unbiased, detailed view of customer arrivals, wait times, and branch workflows, as well as how associates are spending their time on both serving customers and completing non-customer-facing activities.” Key Takeaway: One of the easiest and best ways to streamline your members’ lobby experience is to introduce a robust visitor management system. Better Lobby captures a variety of metrics that are important to management – in short, it measures “hard to measure” metrics that help your CU improve sales and member service, while lowering overall cost-of-service.

Visit History Link

The Better Lobby Visit History Link provides CU staff with fast and easy access to past member visit information enabling them to better serve the member on the current visit. Member’s Visit History ReportPressing the “Visit History” link pops the report below, showing the member’s past branch visits in chronological order.

Valuing Your Members Time

Everyone agrees that the branch is shifting from a transactional place to an advisory place. The move away from transactions has led to branch staff to spend more time on account servicing transactions and sales/new account opening. This means that credit unions must focus on how they interact with members and prospects in these two specific areas. We would argue that branch visitors want an efficient and speedy interaction whether they have account servicing issues or want to open a new account. Key Takeaway: Members expect their credit union to value their time – Better Lobby Online Queuing Module helps meet that expectation by helping to ensure that that they spend less time waiting in your lobby for service.

Transforming Branches into Advice Centers

As branch transactions continue to decline, the expectation of many in the industry is that the role of the still large number of credit union branches will shift to an advisory function. One of the pillars of good advice is knowing exactly why the member has visited your branches in the past – their visit history. Of course, this knowledge can be obtained via expensive and complicated CRM systems, but we feel that we offer a much easier and affordable solution as part of our Better Lobby platform: our Visit History link which provides a complete visit history for the individual being served with just a single mouse click! Key Takeaway: the Visit History feature helps deepen relationships by demonstrating a knowledge of the member’s history and needs, and that the CU is in “command” of member information.

Consumers embrace mobile banking, but still value branches

According to an Adobe study that was conducted in late 2019, 75{91edff4ab0179c213d4d62ccb73735ad51d636906a6f58336791bd911b76df7b} of consumers that they surveyed still believe physical branches matter and 70{91edff4ab0179c213d4d62ccb73735ad51d636906a6f58336791bd911b76df7b} of them have still visited a branch location in the past month. Craig Peasley, director of marketing at Adobe, said “the data shows that there’s still room to delight customers with offerings that combine the face-to-face service that’s still popular and digital offerings.“ One way to delight your members is to make it easy to visit your branches while simultaneously assuring them that they will receive speedy service. We offer two ways to accomplish this: 1) appointments and 2) online queueing. Key Takeaway: Appointments and online queuing strengthen both your digital channels and your branch network – a true win-win.

What Matters Most When Selecting a New FI

Surprisingly, even among younger consumers, digital and mobile banking is not one of the top-three reasons for selecting a new FI. A study completed in October 2019 by Market Street Research for the New England Financial Marketing Association found that top 2 factors in choosing a new FI were: Fees Convenient branches It has never been more important than now to make it easy to open new accounts, and accepting appointments helps deliver a more streamlined and convenient branch service experience to both new and existing members. Key Takeaway: Convenient branches continues to come out near the top in study after study of all demographics when it comes to selecting an FI.

There is Synergy in Blending the Physical and Digital

By some accounts, digital brands with a physical presence grow eight times more quickly. For example, Amazon continues to make a big push into the physical channel – the online giant recognizes that there is synergy in blending the physical and digital, where all touchpoints support each other and understand what role they play. We pride ourselves on providing CUs with the tools that they need to build bridges from their digital channels to their branch network, e.g., our Mobile Appointment Booking Tool and our latest Online Queuing module which enables branch visitors to place their name in the Better Lobby Main Service Queue (for walk-in service) before arriving at the branch so that they spend less time waiting in the lobby for service. Key Takeaway: Your members are increasingly moving their transactional banking to mobile/online banking, yet they still have a huge desire for physical experiences, and this will never change.

Branches Drive New Business

According to the World Branch Report, three out of five (60{91edff4ab0179c213d4d62ccb73735ad51d636906a6f58336791bd911b76df7b}) retail banking executives say the branch is their leading sales channel — counting account opening, credit cards, insurance, investments, and loans. While overall branch transactions and visits are down, the fact remains that branch visits continue to produce the largest proportion of loan and other new business. However as research firm Novantas points out, visitors demand quality conversations when they make the effort to come into a branch. One way to ensure quality visits is to offer appointments so that branch staff are adequately prepared for every visit. Plus, appointments help increase branch sales success by reminding visitors to bring the information necessary to the meeting. Key Takeaway: To help increase use of appointment scheduling software, Novantas suggests promoting the idea to consumers that they will get better service with the right professional by scheduling.

Branches as Sales Generators

According to research by McKinsey & Company, while 60 percent of banking consumers use digital channels, online banking only generates 25 percent of sales. Their conclusion: Branches remain relevant, particularly for new accounts and product sales efforts. Our CU clients have found that our Appointment Scheduler helps increase branch sales success by reminding visitors to bring the information necessary to the meeting, while providing staff the opportunity to prepare for the meeting in advance. The bottom line is that appointments positively impact branch sales. Key Takeaway: the branch remains a mainstay of account openings and sales efforts as well as a key component for long-term member relationship building.

Cutting Edge Kiosk Features

We are excited about the latest enhancements to our Better Lobby Kiosk that are now available in Version 5.0. It includes some valuable new features: •          Text Me When I’m Soon to be Served – optional text feature available to advise visitors when they are near the top of the service queue. •          Text Me an Appointment Link – this kiosk link makes it easy for visitors at busy branches to open the Mobile Appointment Booking Tool on their mobile device. •          Support for Online Queuing. Key Takeaway: This provides a way for credit unions to leverage SMS technology to enhance the member experience, while building another bridge from the digital channel to the branch.

A First in the CU Marketplace: Online Queuing

We are very pleased to provide a new, brand enhancing, technology to CUs: Online Queuing 1.0. This module builds another important bridge from your digital channel to your branch network by letting members join a branch queue before leaving home. Of course, the first “bridge” was Better Lobby Appointments. In addition to offering convenience to members by freeing them to use their wait time for travel to the branch or other out-of-branch activities, branch management also gains benefits, e.g., they gather insights into walk-in volume shortly before it occurs allowing for better utilization of their staff. Key Takeaway: For the first time ever, your members can now use their mobile phone/tablet/PC to place their name in the lobby queue before arriving at the branch and spend less time waiting in your lobby.

Consumers still turning to branches to open new accounts

When it comes to opening new accounts, consumers still tend to trust the branch over digital channels, according to a new study from Forrester Research. It turns out that while the digital channels remain important, the ongoing importance of a human touch cannot be ignored. Seventy-one percent of U.S. adults who regularly use the Internet still go to a branch when opening a new checking account, the Forrester study observed. For savings accounts, 64{91edff4ab0179c213d4d62ccb73735ad51d636906a6f58336791bd911b76df7b} go to a branch, while 53{91edff4ab0179c213d4d62ccb73735ad51d636906a6f58336791bd911b76df7b} open certificates of deposit at branches. Key Takeaway: Without a doubt, credit unions of the future will only prosper with human touch member service.

Why tech-savvy members still visit branches

About three-quarters of Gen Y (73.4 percent) have visited a branch to open an account, according to a J.D. Power retail banking study. Moreover, about 60 percent of younger adults told the research firm that they have visited the branch within the last three months. And according to a 2018 Gallup survey, 66 percent of millennials had visited a brick-and-mortar branch in the previous six months. These facts come from a Bankrate article that also uses an interesting term: IRL (in real life) banking. When it comes serious financial interactions such as mortgages, financial consultations, business startup advice, etc., it turns out that even the most tech savvy people prefer a branch visit. Key Takeaway: When your members seek monetary advice or need to discuss complex financial needs, one of the best ways to satisfy this need is to offer them a convenient digital appointment booking option. CUs that offer appointments to help satisfy IRL banking needs can also make better use of specialized employees that float between branches, who can now potentially see more members within a day.

What Age Demographic Visits Branches Most Often?

This simple question has quite a surprising answer according to Mercator Advisory Group’s research: Among those who visit a branch over twice a month – young consumers visit most often! Here are some more interesting stats from the research firm’s recent report: 56{91edff4ab0179c213d4d62ccb73735ad51d636906a6f58336791bd911b76df7b} of 18-34 year old consumers visit their branch over twice a month Nearly a half of all consumers (46{91edff4ab0179c213d4d62ccb73735ad51d636906a6f58336791bd911b76df7b}) visit a branch twice a month One fifth of consumers (21{91edff4ab0179c213d4d62ccb73735ad51d636906a6f58336791bd911b76df7b}) visit a branch once a week Key Takeaway: The branch remains extremely relevant and CUs must strive to make it as convenient as possible to visit their branches by offering appointments, self check-in kiosks and other technologies the help ensure a positive member experience.

Branch vs. Digital Banking Debate

A recent Financial Brand article highlighted the fact that too much focus on the back and forth debate over branch and digital preferences of consumers diverts attention from providing a superior member experience. The article concluded that people expect hassle-free interactions and a satisfactory result no matter how they do business with your credit union. Our CU clients have found that offering appointments to their time-pressed members is a great way to build a bridge between their branches and their digital channels. They note that the convenience of quickly and easily booking a branch appointment helps boost member satisfaction levels, while increasing staff productivity. Key Takeaway: Your CU can help solve the Branch vs. Digital conundrum by allowing members to schedule appointments via the Web, mobile devices or by contacting agents through your contact center.

Putting the human touch in banking

As many FIs rush to digital in an effort to please consumers, many leave behind one of the most important elements that consumers want: the human touch. “People and relationships still matter,” says Bob Meara, senior analyst at Celent’s banking group. “All things equal we do business with people we like and you have to have some person-to-person interaction—even in digital.” Whether they are seeking financial advice or looking to solve an issue, many members still prefer in-person interactions in your branch. Key Takeaway: Important conversations are best pre-arranged by appointments so that both the member and the CU employee are well prepared for the discussion.

Millennials Still Want Branches

“As Millennials grow older, they express increasing interest in visiting a physical location once they have exhausted their online research,” states Joe Wheeler, Senior Director, Mid-Size Bank Practice at J.D. Power. He also emphasizes the fact that CUs that want to exploit this opportunity to work with Millennials must make sure branch staff is appropriately prepared. We would add that the best way that they can be prepared for these important branch visits is by appointment scheduling. Key Takeaway: Not only do our appointment tools provide your staff the opportunity to prepare for meetings in advance, but follow-up meetings are also made easier to arrange as staff can be identified by name and picture on our Mobile Appointment Booking Tool.

Effective Financial Guidance Starts with Appointments

In a recent article in Forbes, a CUNA Mutual Group executive stated that a retail branch model that focuses on in-person advice and service is the branch’s most promising future. He states “fully 78{91edff4ab0179c213d4d62ccb73735ad51d636906a6f58336791bd911b76df7b} of retail bank customers want guidance from their banks, according to a JD Power study. And the most effective way to deliver that guidance is still face-to-face.” We would add that the best way to deliver this advice is by appointment. If branches are the ideal place for complex conversations to take place, then the best way to make sure that the right person is available to handle these important lengthy consultations is to have an appointment booked on their schedule. Key Takeaway: Our Mobile Appointment Booking Tool gives your staff the opportunity to thoroughly prepare for their meetings in advance, and also increases branch sales success by reminding members to bring the information necessary to the meeting.

Tracking Branch Activities

Bob Meara, Senior Analyst at research firm Celent, says “if you ask branch bankers about the details of their teller transactions, they can wax eloquent about those metrics.” What is less-often tracked and measured, Meara finds, are factors of current branch activity that relate to what many regard as the increasingly dominant role of branches, as sales and service locations, and regarding the quality of the visitor experience. Better Lobby can help in this regard because it captures a wide variety of critical branch metrics that are important to management – metrics that are completely invisible to CUs that do not have a visitor management platform in place. Key Takeaway: Our Main Service Queue can fill in the gaps when it comes to knowing what’s going on in your branches, while our Survey Trigger module can help you obtain accurate and timely responses from your members about the quality of their visit when their branch visit is still fresh in their minds.

Consumers Happier Using Branch+Digital Than Digital Only

Data from recent J.D. Power & Associates research confirms that the most satisfied banking consumers are those who regularly use branches and also use digital channels. The author of the report points out that “Millennials are coming back into the branches as they grow older and their financial needs become more sophisticated.” Credit unions looking to meet the financial needs of their members would be well advised to offer the convenience of online and mobile appointment booking capabilities to their busy members. Key Takeaway: Digital and branch capabilities are very much married and credit unions can use appointments to forge stronger member connections and keep this digital/branch marriage strong and thriving.

What will the Branch of the Future look like?

In a recent article in Finextra, Andrew Beatty, FIS Head of Banking Strategy, concluded that: The Branch Isn’t Dead; It’s Reborn. He predicted that future branches will be become much more inviting – think coffee shops – and that visitors will be greeted with tablets where universal bankers can assist them with all banking needs. We agree – and to help your staff accomplish this goal we offer our Better Lobby Kiosk 4.0 module which supports both visitor self check-in and Concierge staff check-in (or any combination thereof). Key Takeaway: CU branches of the future must be member-centric in nature, and we are here to help you meet this goal.

Appointments help CUs keep branches alive and thriving

A recent CU Journal article pointed out that members no longer visit branches to complete transactions that they can do online. Instead they stop by for help with more complex issues, such as applying for a loan, opening an account, seeking financial advice or dealing with a problem. While we certainly agree with this assessment in general, increasingly “stop by” is not applicable. That is because more and more CUs are adding appointment setting capabilities such as those delivered by our Mobile Appointment Booking tool to their website. Many members find it much more convenient to schedule an appointment than to simply stop by a branch, while CUs are finding that allowing their members to book appointments is a great way to increase long-term loyalty. Key Takeaway: Appointments are a great way to grow brand awareness, increase your staff productivity, open more accounts, and develop your member base.

Branch Service Enters a New Era of Appointments

In a recent Credit Union Times article, iQ Credit Union’s SVP of Retail Delivery Ali Migaki said the most common reasons for branch visits today at their CU are to: 1) open a new membership; 2) discuss major financial moves that will impact the member’s life; and 3) pick up a new payment card after a fraud incident instead of waiting for one in the mail. All 3 of these reasons are well suited to the use of appointments to facilitate a successful single visit meeting. Our Appointment software reminds visitors to bring all of the important information necessary to the meeting, while providing staff the opportunity to properly prepare for the meeting in advance. Plus our Appointment Assistant feature is a perfect tool for helping CU contact center staff – or any CU employee – confidently book member appointments with co-workers who are qualified to perform any particular service. Key Takeaway: Many of your members still strongly desire face-to-face meetings and will appreciate the ability to conveniently book an appointment on their mobile device, tablet or computer.

Branch Transformation Trends

Branch Transformation for Financial Institutions, a complimentary industry guide produced by ATM Marketplace, takes an interesting look at how can FIs integrate physical and digital channels in order to achieve a truly omnichannel “phygital” strategy. The guide covers new tech for the teller platform, video systems, and tablets. Our Better Lobby platform integrates with all of these areas, e.g., our Fast Visit Recorder can help with teller/universal banker productivity; our Video Meeting Queue Module provides the member service management component missing from video conferencing systems; and our user-friendly Kiosk software supports all manner of tablets for both Self Check-in and Staff Concierge visitor check-in. Key Takeaway: We believe branch transformation can be a competitive differentiator for your CU, and we are here to help you use technology to provide a superior member experience.

Branch Customer Experience (CX) Remains Important

Recently Celent’s Bob Meara recently published a report titled Solutions for Optimizing the In-Person Customer Experience. In his research, he found the opportunity is significant. Unlike digital, where the report highlights the fact that FIs have a bevy of precise metrics to evaluate and optimize the CX, the research firm points out that the branch lobby remains comparatively poorly understood. Our Better Lobby platform was developed specifically to address this need to granularly understand branch visitor metrics. Better Lobby accurately measures the visitor experience – both walk-ins and appointments – and provides dozens of helpful reports that were developed directly from CU feedback. Key Takeaway: Your lobby is arguably the most important interaction point within your CU – we are here to help you meet your lobby management requirements.

Technical Innovation in CU Branches

Codigo, a provider of marketing tools, released research that shows that the number of FIs planning to equip universal bankers (or other staff members) with tablets shot up 25{91edff4ab0179c213d4d62ccb73735ad51d636906a6f58336791bd911b76df7b} in 2017 to 51{91edff4ab0179c213d4d62ccb73735ad51d636906a6f58336791bd911b76df7b} in 2018. Interactive kiosks and interactive teller machines both came in at 44{91edff4ab0179c213d4d62ccb73735ad51d636906a6f58336791bd911b76df7b} in 2018, a ten percentage point increase. Both video conference technology and the trendy “video walls” saw increases (from 13{91edff4ab0179c213d4d62ccb73735ad51d636906a6f58336791bd911b76df7b} to 25{91edff4ab0179c213d4d62ccb73735ad51d636906a6f58336791bd911b76df7b} and from 8{91edff4ab0179c213d4d62ccb73735ad51d636906a6f58336791bd911b76df7b} to 28{91edff4ab0179c213d4d62ccb73735ad51d636906a6f58336791bd911b76df7b} respectively). We are well prepared to help CUs of all sizes, affordably address these important trends: For tablets and kiosks, we offer our Kiosk for Self Check-in and Concierge module that can be used on an iPad, Surface Tablet or touch-screen equipped PC – this software frees visitors to engage in other branch-provided activities with the confidence that staff know of their arrival and that they will be served in the appropriate order. In terms of video meetings, our Video Meeting Queue Module makes it possible to seamlessly manage and serve branch visitors from any video-equipped location. When it comes to “video walls”, we provide CUs with our Branch Service Queue Display module that allows waiting members to know their position in the service queue – it is compatible with a variety of standard flat screen monitors and its appearance can be fine-tuned to meet your operational and branding requirements. Key Takeaway: It is essential that Credit Unions use technical innovation to compete in their local marketplace. Better Branches Technology is here to help.

Supercharge member engagement in Branches by working closely with your Contact Center

Many members believe all channels should work in concert, including the branch. The staff in your contact center and branches should understand the member’s journey without members having to provide them with their contact details.   Using our Better Lobby Appointment Assistant, combined with our Pseudo Host Database, your contact center agents can easily book appointments for your members with a few clicks of the mouse – no need to ask for the member’s email and phone number because the Appointment Assistant can quickly pre-fill those fields, along with their first/last name. Key Takeaway: The Appointment Assistant module makes it easy for all staff to create appointments on any Better Lobby calendar utilizing member information contained within Better Lobby.

Small Businesses Prefer Branches

J.D. Power reports that 61{91edff4ab0179c213d4d62ccb73735ad51d636906a6f58336791bd911b76df7b} of small businesses in its sample survey are much less likely to use digital banking channels, and are still classified as “branch dependent.” The research firm concluded that businesses still value working with a live person in a branch who understands what they do and what they need. The reality is that busy business owners who value face-to-face interactions don’t have time to wait in the lobby to meet with your staff. Many observers believe that they would really appreciate the ability to schedule an appointment with your CU in the branch of their choice. Key Takeaway: Credit unions looking to target small business owners should strongly consider adding appointment scheduling in order to deliver the personal touch that these businesses are looking for in their financial relationships.

Generation Z and Branches

GenerationZ — folks born after 1996 — will be the most diverse generation in the U.S. by2020, and at their peak will hold some $143 billion in purchasing power. Tolearn more about this generation, UNiDAYS polled 1,000 Gen Zers to see how theyfeel about money. They found two interesting facts – one quite obvious (95{91edff4ab0179c213d4d62ccb73735ad51d636906a6f58336791bd911b76df7b} of those surveyed use their phoneexclusively to access their account) and one more surprising to many people (45{91edff4ab0179c213d4d62ccb73735ad51d636906a6f58336791bd911b76df7b}of those surveyed are hesitant to open an account with an online-only bank; 70{91edff4ab0179c213d4d62ccb73735ad51d636906a6f58336791bd911b76df7b}of those say it’s because they want a physical branch location). Key Takeaway: Credit unions looking tocater to Gen Zers must find a way to merge the two worlds of the mobile and thebranch since both of them highly desired by many young people. We believe onekey way to build this bridge is by allowing them to book branch appointments with your staff via their mobile devices.

Intelligent Branch Banking

According to a recent McKinsey study, a staggering 80 percent of Americans still want that branch-level human touch on some or all of their banking needs – particularly when they are looking for loans, investments and financial advice. Cisco executives like to use the term “Intelligent Branch Banking” to describe a branch that drives better orchestration between digital applications and physical infrastructure, blending experience in a way that delights employees and visitors alike. They contend that a blended approach of digital technology and face to face branch service is the key to making future branches fast, safe and relevant. Key Takeaway: We agree with Cisco’s assessment and believe that online/mobile appointments are a key component of Intelligent Branch Banking because appointments represent a perfect blending of the digital and branch experience.

Appointments Help with “Moments of Financial Truth”

During a brainstorming session of financial professionals at a recent BAI conference led by Jim Eckenrode, managing director for Deloitte’s Center for Financial Services attendees came up with the following ideas on how to make branch banking more appealing to consumers who are seeking assistance with their important financial matters: making appointments online for branch visits increased use of biometrics smaller branch buildings more highly trained staff One session participant noted that “we also know that in those moments of truth, somebody who may be very tech savvy may not be savvy in the way of financial affairs. In those moments of truth, where most customers want a human interaction, branches are the ideal places for that.” Key Takeaway: The vast majority of your members want to make major financial decisions with the assistance of one of your employees at one of your branches. Appointments help make meetings successful by reminding members to bring the information necessary to the meeting, while simultaneously providing your staff the opportunity to thoroughly prepare for the meeting in advance.

Branches Key Factor in Switching FIs

New research from Resonate on the reasons people switch primary banking providers indicates that there are 5.6 million people in the U.S. who plan to switch FIs in the next 12 months. Among women surveyed about switching, the top three reasons for switching FIs were: more convenient branch locations (34{91edff4ab0179c213d4d62ccb73735ad51d636906a6f58336791bd911b76df7b}) better service (19{91edff4ab0179c213d4d62ccb73735ad51d636906a6f58336791bd911b76df7b}) better online/mobile banking services (19{91edff4ab0179c213d4d62ccb73735ad51d636906a6f58336791bd911b76df7b}) “The data paints a picture of banking consumers who want more personalized services and technology,” says Ericka McCoy, SVP of Marketing for Resonate. Key Takeaway: To deliver more personalized and convenient service, many credit unions are adding appointment booking capabilities to their branch network. Appointments enhance the CU’s image and encourage more branch visits which provide increased opportunities for personalized service, cross-selling and up-selling.

What do Millennials want from their FIs?

In a recent Forbes Magazine article Sebastian Rymarz, Chief Business Officer for Fundbox, postulates that consumers, especially Millennials, want the following items from their FI: less friction and more help personal attention the customized service they’re used to getting when they’re logged in on their devices to carry over to their in-branch experience One way to meet all three of these needs (and others as well) is by allowing your members to book appointments with you on their mobile devices and PCs/laptops. Key Takeaway:Our Mobile Appointment Booking Tool facilitates personalized service and provides a perfect complement to your mobile and online banking systems.

Branch staff take center stage amid transformations

For $1.3 billion asset LGE Community Credit Union in Marietta, GA, the move to universal front-line staff has been good for the credit union, members, and staff. The credit union has increased referrals, reduced staff costs, and enhanced member engagement, according to an interesting article on CUNA’s website. At Better Branches, we equip CUs that are moving to open concept branches with the tools that they need to be successful, e.g., concierge check-in via wireless devices and the Fast Visit Recorder that provides an efficient, accurate way to record short visits in a Universal MSR environment. Key Takeaway: Managing and serving waiting visitors in a retail-style branch requires new tools and techniques — and we are here to help.

Mobile Video Banking Ready for Growth

BluCurrent Credit Union’s ($185 million & 22,000 members) five-year-old video banking program has allowed the CU to reduce branch staffing levels by two-thirds and reallocate resources to create a more robust call center and mortgage department. Using a video connection from the credit union’s contact center to the branch kiosks, their experts are able to serve three “desks” across the branch network – all with a typical wait time of under 2 minutes! The next step for the Springfield, MO-based credit union is to launch a mobile video application in partnership with Vidyo and Invo Solutions. Key Takeaway: Whether your credit union is ready for in-branch or mobile video (AKA BYOD, Bring Your Own Device) or both like BluCurrrent, we provide the missing links – an easy way to schedule video appointments, a method to seamlessly manage and serve branch visitors from your video-equipped branches, and coming soon a way to handle BYOD video interactions.

Branches for the Digital Age

McKinsey and Company believes that far from rendering the branch obsolete, digital technology holds the key to the branch of the future. They state that smart-branch transformation builds on three pillars: the seamless integration of cutting-edge branch technology, which has become cheaper, more reliable, and more accessible; the adoption of radically new, teller- and desk-free branch formats at every location; the use of digital technology and advanced analytics to improve the operating model in branches, including personalized, data-driven sales and real-time performance management and skill development Key Takeaway: Better Branches is here to help credit unions with their smart branch efforts via these modules: Video Meeting Queue Module; Kiosk for Self Check-in and Concierge; Branch Service Queue Display; and Mobile Appointment Booking Tool.

Millennials Inclined to Switch FIs to Obtain Better Service

Four in 10 millennials say they have switched FIs due to poor service, and nearly twice as many (77 percent) say they would switch to a FI offering better service, according to new research from Humley, a creator of artificial intelligence chatbots for enterprise. This begs the question: how do you deliver great service to millennials that love their mobile devices yet still want access to branches like every other demographic? Part of the answer lies in building a bridge between these two channels with online/mobile appointment booking capabilities. This helps ensure that every branch visit is both convenient for the member and productive for your well-prepared staff. Key Takeaway: Don’t risk losing mobile-loving millennials (or any of your other members) to a rival institution – make banking fit their digital lifestyles by allowing your members to schedule in-branch appointments online and through mobile devices.

Across Generations, Consumers Prefer the Branch for Financial Advice

Consumers are happy with digital interactions for quick transactions, but for more substantive conversations they’d rather deal with humans, according to new research commissioned by Samsung. However, the study added a caveat: a poor branch experience can keep consumers away, or even make them consider switching to another institution. Here are the top consumer complaints from the survey, accompanied by one of our solutions that helps address that particular complaint: unprepared banking associates (68 percent) – Better Lobby Main Service Queue and Kiosk long wait times (55 percent) – Better Lobby Mobile Appointment Booking Tool impersonal service (49 percent) – Better Lobby Main Service Queue unavailability of specialists (43 percent) – Better Lobby Video Meeting Queue Module Key Takeaway: The Better Lobby Solution helps management address ALL of the complaints listed by members; while contributing to outstanding member service and building visitor trust.

3 Myths about Video Banking

The “3 Myths” article contends that video banking helps credit unions make their products and services more convenient, while simultaneously helping them develop a high tech image. The author discusses 3 common myths around video banking that are holding adoption rates back: Myth #1. No space for video banking Myth #2: Video banking is over complicated Myth #3: Video banking is disproportionately expensive Key Takeaway: We believe that video banking has a bright future which is why we offer credit unions our Better Lobby Video Meeting Queue Module – which provides the member service management component missing from video conferencing systems.

Credit Unions Reinvent the Branch Experience

In a recent interesting Credit Union Times article, Peter Strozniak pointed out that “to create that experiential brand marketing, credit union executives are redesigning branches and cross-training staff to make the credit union experience personal, memorable, different and engaging – indelible positive member emotions that simply cannot be duplicated through digital channels.” As more CUs transition to “branch of the future” designs, they will need to implement new software tools and techniques. Here are three ways that Better Lobby can help: • Fast Visitor Recorder – provides an efficient, accurate way to record short visits in a Universal MSR environment • Video Meetings Queue – makes it easy to connect your staff to your members via video technology • Mobile Booking Tool – plays a key role in every CU’s Future Branch strategy Key Takeaway: New branches with open designs facilitate valuable face-to-face interactions between staff and members, especially when combined with a robust visitor management and appointments platform.

Global Video Banking Survey

Vidyo recently released the results from their Global Video Banking Survey and the data shows that consumers who have experienced video banking want more of it. Whether through online video banking (85{91edff4ab0179c213d4d62ccb73735ad51d636906a6f58336791bd911b76df7b} of consumers said they would use it again) or in-branch video banking (90{91edff4ab0179c213d4d62ccb73735ad51d636906a6f58336791bd911b76df7b} of consumers said they would use it again), consumers find tremendous value in interacting with their financial institutions via video. Our experience working with our CU clients using video concurs with these findings, and also shows that connecting expert staff with branch visitors via video provides a great opportunity to improve member service, increase staff utilization and reduce branch cost. Key Takeaway: Our Better Lobby Video Meeting Queue Module (VMQ) module is perfectly suited to help bring your CU into the video world – whether it is online or in-branch video banking.

Another Study Supports Popularity of Branches

Branches remain essential for handling financial matters for a significant number of consumers, according to a new report from Phoenix Synergistics entitled “The New Digital Bank Branch.” Not surprisingly, Baby Boomers are most likely to hold this viewpoint, however, an impressive number of Millennials – more than four in ten – find branches essential for their banking needs. The branch remains the place where many members want to conduct their most important business so it is critical for CUs to continue to invest in their branches in order to meet this ongoing critical demand. Key Takeaway: Our Better Lobby solution helps drive member satisfaction levels by making member branch check-in and service tracking fast and easy.

Automated marketing campaigns are clicking with members

A recent CU Journal article noted that many credit unions are deploying adaptive email marketing automation campaigns that are increasing new balances, spiking auto loan applications and converting anonymous website visitors to being “known.” In a similar vein, one of our clients recently came to us and asked if we could help them obtain accurate and timely responses from their members when their branch visit was fresh in their minds. In response, we developed the Survey Trigger. This module, which works in conjunction with third party survey software, can be configured to send a text or email survey to a member when their memory of visit is fresh, e.g., 15 minutes to 1 hour after their branch visit. Key Takeaway: At the conclusion of the branch visit, Better Lobby Survey Trigger Module reminds staff to invite members to be surveyed, records their responses and sends the “yes, I want to be surveyed” responses to your survey software provider together with the required member information. We believe that this “Voice of the Member” tool would be a good addition to our client’s marketing tool kits.

Long live the branch

In a recent interview, Diebold Nixdorf’s director of business development, design and new technology incubation Dave Kuchenski commented that once all FIs master the digital experience (and they will because those who don’t won’t be around), the differentiator becomes physical. Mr. Kuchenski added that means determining who comes into the branch and why and then providing an optimal experience for each of them when they do visit. We completely agree – the fact is that managing and serving waiting visitors in a today’s credit union branches requires new tools and techniques like our Better Lobby Solution Key Takeaway: Our Better Lobby platform makes visitor check-in and service tracking fast and easy, and was designed from the ground up to provide an optimal experience for your members.

Two Types of Video Banking

The widespread popularity of Skype and Facetime show that consumers love video. As far as credit unions are concerned, there are two video categories that they can use to better serve members: in-branch and remote video. Currently, in-branch (which includes kiosks, ATMs or video-equipped rooms within branches and other CU facilities) is the most popular, but some analysts argue that in-branch video is only a temporary solution. They contend that the future lies in the remote delivery of video, AKA Bring Your Own Device (BYOD). Key Takeaway: If your CU is considering adding either in-branch or remote video (or both), we suggest that you look at our Branch Video Meeting Queues module which provides the member service management component missing from video conferencing systems.

Americans Prefer Branches Over Mobile Apps for Opening New Accounts

A recent survey by consulting firm Novantas found that while mobile banking apps keep getting better, 60 percent of Americans would still rather open a new checking account in person at a branch than on a phone, tablet or desktop computer. Not surprisingly, the Novantas research concluded that Americans’ preference for visits to branches over online banking stems from a strong desire to work with someone in person to resolve any issues that may arise. Key Takeaway: Adding appointment booking capabilities like those we offer via our Mobile Appointment Booking Tool to your website is one of the best ways to meet consumer demand for opening a new checking account in person at one of your branches.

Revolutionizing Member Service: The Rise of Video-Only Branches in Credit Unions

In a groundbreaking move that signals a paradigm shift in member engagement, BCU, under the leadership of Chief Retail Officer Carey Price and Chief Information Officer Jeff Johnson, is set to introduce video-only branches. In a recent CUBroadcast interview, Price and Johnson delved into the rationale behind this innovative approach, shedding light on its mechanics, challenges, objectives, and actionable insights for fellow credit unions. Why BCU switched to Video-Only The decision to embrace video as the primary medium for member interactions underscores BCU’s commitment to leveraging cutting-edge technology to enhance service delivery. By bridging the gap between physical and digital channels, video-only branches promise to revolutionize the traditional banking experience, offering members unparalleled convenience and accessibility. So, how exactly will video-only branches function? Price and Johnson elucidated on the operational intricacies, detailing a seamless process wherein members can connect with expert staff remotely via high-definition video conferencing. This virtual interface not only facilitates personalized interactions but also transcends geographical limitations, empowering members to access specialized services regardless of their proximity to a physical branch. Risk and Reward of Video-Only Of course, pioneering such a transformative initiative hasn’t been without its challenges. Price and Johnson candidly discussed the hurdles encountered along the way, from technological integration to staff training. However, their unwavering dedication to enhancing member experience has propelled BCU to surmount these obstacles, paving the way for a new era of member-centric banking. In outlining the goals for their video-only branches, Price and Johnson emphasized a dual focus on member satisfaction and operational efficiency. By leveraging video technology to streamline service delivery, BCU aims to optimize staff utilization, reduce branch costs, and ultimately elevate the overall banking experience for its members.\ Should Credit Unions make the switch to Video-Only? For credit unions contemplating a similar leap into the realm of video banking, Price and Johnson offer invaluable advice gleaned from their own journey. Emphasizing the importance of strategic planning and stakeholder buy-in, they underscored the need for a cohesive vision that aligns with the credit union’s overarching objectives. Moreover, they highlighted the significance of investing in robust technological infrastructure and comprehensive staff training to ensure seamless implementation and sustained success. While video-only branches may represent a bold departure from traditional banking models, they embody the spirit of innovation and adaptation that defines the credit union movement. As credit unions across the industry increasingly recognize the transformative potential of video technology, the stage is set for a renaissance in member service, where personalized engagement knows no bounds. Key Takeaway: The advent of Better Lobby’s Video Meeting Queue Module (VMQ) heralds a new era in member service, extending the reach of credit union branches beyond physical boundaries. By leveraging VMQ, credit unions can seamlessly connect members with expert staff via video conferencing, fostering personalized interactions and optimizing operational efficiency.

Community Choice Credit Union Invests in Branch of the Future

Community Choice Credit Union EVP/COO Dan Munro recently took time out of his busy schedule to do an interesting video interview with CUBroadcast: Press Here Dan firmly believes the branch – or “Member Center” as Community Choice calls it – is not dead by any stretch of the imagination. It’s just evolving. We agree wholeheartedly! Take a few minutes to watch the video interview and hear about how Community Choice recently successfully converted an old gas station into a new “branch of the future” location. Key Takeaway: Better Branches is proud to have Community Choice as a client and have them using our Better Lobby Main Service Queue and our Kiosk for Self Check-in and Concierge to power their branch network and better serve their members. Plus as Dan mentions in the interview, we are excited to help them roll out appointment booking in 2018.

Branches aren’t going away

In the U.S. today, there are about 86,000 retail bank branches and another 21,000 credit union branches. In the first half of 2017, according to the FDIC, about 200 branches closed and another 100 new branches opened every month. So the expected decline this year will be a little more than 1000, a slower rate than in recent years. Survey after survey has shown that members from every demographic still want to visit the branch even as they use mobile and online banking, ATMs and other channels. Every credit union must acknowledge this fact and work hard to make the branch visitor experience the best it can be. Key Takeaway:  Our Better Lobby platform makes visitor check-in and service tracking fast and easy, while providing visitors with their position “in line” and management with important information on visits, wait times, services and staff utilization.

Credit unions turn to video

Video interaction services can help enable credit unions to centralize their experts. This technology, which is becoming more affordable and commonplace, allows members to have a lifelike meeting experience with CU employees in smaller branches where it is not feasible to deploy mortgage, investment and other specialized staff. The next step is BYOD (Bring Your Own Device) where credit union employees can interact via video with members not only in the branch, but wherever they happen to be – in the comfort of their home, in their workplace, or even on the go. At Better Branches Technology, we are prepared to assist credit unions with all of these scenarios by helping them utilize scheduled calls, where credit union staff invites a member to join a video meeting at a given date and time. Key Takeaway: Video conferencing helps optimize staffing resources and adds a whole new level of convenience for members.

People still like the personal touch

Every year, the IMF conducts a global survey to assess people’s access to financial services. The most recent data from October 2017 show the number of branches per 100,000 adults holding remarkably stable in recent years. When it come to important financial matters, advice and problem solving, most people still have a preference for face to face human interaction. They also prefer to have those branch interactions to be both 1) convenient and 2) taken care of in a timely manner. In order to satisfy those two requirements, credit unions need to deploy automated solutions that permit members to use nearly any Internet-connected device to schedule branch appointments through their website or mobile app. Key Takeaway: Accepting appointments modernizes how members engage with branches, optimizing the allocation of staff and resources while giving your brand a tech-savvy image.

Gen Z Heaviest Branch Users

Gen Z consumers are surprisingly more likely than any other age group, including Baby Boomers, to visit a branch at least weekly, according to a new study from Accenture. While this may come as a surprise to many, what is not surprising is that the study also revealed that they are the group that is most likely to use mobile banking. The Accenture report also notes that “Gen Z consumers are more engaged than other age groups with financial services across all channels, which will force traditional financial services providers to elevate the experience they offer across mobile, digital and in-bank platforms, as consumers continue to visit the branch regularly.” Key Takeaway: If your credit union is targeting Gen Z members, then you may want to invest in our Mobile Appointment Booking Tool to give them the best of both worlds – a branch visit booked on their mobile device

Branches Are Here to Stay, and They’re Better than Ever

In a recent article in Credit Union Times, managing editor Natasha Chilingerian took an interesting look at how two CUs – IQ CU and Nutmeg State Financial CU – are developing their branch strategies. She found that the branch is alive and well, and they are getting major facelifts. She also concludes that the “branch channel is being integrated seamlessly with digital channels.” Key Takeaway: We agree with these observations and are working hard to do part to integrate these channels with our Mobile Appointment Booking Tool. This software builds a bridge from the online/mobile world directly into the branch in a way that improves member service quality and positively impacts branch sales

Video is a key part of the ultimate branch format

Peak Performance Consulting Group, a respected consulting firm that specializes in banking strategy, recently outlined their concept of the “ideal branch.” One of the basic tenets was video: “You need private offices for the universal bankers to have private conversations…. One should have two-way video conferencing capability. When a customer needs to speak with a specialist or universal banker and everyone is busy, you can connect them to another location.” To help accommodate this demand, we recently enhanced our Mobile Appointment Booking Tool to schedule Branch Video Meeting appointments with the same ease as face-to-face meetings. This innovative function seamlessly coordinates both staff (i.e. mortgage lenders, investment/financial planning experts, and consumer lending specialists), and up to two video equipped conference rooms that may be required for the meeting. Key Takeaway: We see video meetings becoming a standard feature at many credit unions in the future, and our Video Meetings Queues is a perfect complement to this service.

Legacy channels probably can’t beat mobile — so they should join it

In a recent article in Business Insider, Senior Research Analyst Dan Van Dyke stated that credit unions “should prioritize adding features such as the ability to view wait times in mobile banking before calling support, the ability to use a mobile phone to gain access to ATMs, or mobile scheduling tools to set appointments with branch employees.” He concludes that “by bridging mobile banking with other channel interactions, banks may be able to raise convenience and user satisfaction in the branch, at ATMs, and in phone banks.” Key Takeaway: Bridging mobile banking with other channel interactions is the wave of the future. When it comes to bridging the branch to the mobile and online channels, our Mobile Appointment Booking Tool is the ideal solution.

Innovation and Appointment Booking

In a recent blog, NCR stated that “innovation and development in the self-service channel will give branch staff more freedom to focus on activities that can deliver genuine value for the business….” Online appointment booking is perfectly suited to achieving this goal of focusing on activities that can deliver genuine value, e.g., opening more accounts, closing more loans, etc. Key Takeaway: Online appointment booking helps with efficiency, and you know exactly why the member is coming in, so it helps with engagement. Without a doubt, appointments help improve sales and service performance in branches.

Video Banking Proves Popular for BluCurrent CU

BluCurrent Credit Union in Springfield, MO has implemented a popular video conferencing platform that routes calls from their branches to the CU’s member experience center. How popular is it? “Out of a five-point scale, our average rating is 4.5 for a positive experience and 93 percent of members would recommend it, which blew away our expectations,” said a BluCurrent spokesperson. We see video conferencing as a very important up and coming channel for CUs which is why we developed our Branch Video Meeting Queues (VMQ) module. This easy-to-use software allows credit unions to book video conference appointments with both staff members and their accompanying video-equipped meeting rooms. Key Takeaway: Better Lobby VMQ provides the member service management component missing from video conferencing systems, making it possible to seamlessly manage and serve branch visitors from any video-equipped location.

The Mobile/Physical Divide Represents a False Choice

Amazon, the bastion of e-commerce, has opened stores, along with other tech giants such as Microsoft and Apple, in an effort to reach customers and create new experiences around their products and brands. Even as credit unions move towards a “mobile first” strategy, many of them continue to invest in their branch networks. The bottom line is that the importance of providing easy access to one-on-one appointments with staff will only grow as members increase their use of mobile devices to manage their finances and organize their lives. Key Takeaway: Although mobile looks to eclipse brick and mortar, branches remain very relevant, and one of the best ways to bridge the digital-branch divide is mobile/online appointment booking tools.

More Than Half Of Globe’s Population Now Using Mobile Banking

According to the Mobile Ecosystem Forum’s recent Mobile Money Report, 61{91edff4ab0179c213d4d62ccb73735ad51d636906a6f58336791bd911b76df7b} of people use their mobile phone to carry out banking activity. Yet, even with mobile banking’s booming popularity, around 28{91edff4ab0179c213d4d62ccb73735ad51d636906a6f58336791bd911b76df7b} of the 6,000 people interviewed for MEF’s report said that a branch was the preferred location for daily banking, compared to the 26{91edff4ab0179c213d4d62ccb73735ad51d636906a6f58336791bd911b76df7b} who prefer mobile. So it is not a matter of channel replacement but more of channel enhancement and integration when it comes to mobile, branches, online, phone and ATM. The bottom line is that physical branches remain central to the retail delivery strategy for most financial institutions. Key Take Away: Members will always choose the most convenient channels depending on their financial needs at the moment, so it is up to the credit union to facilitate this reality by implementing solutions such mobile and online appointment booking capabilities that help merge the digital and physical worlds.

Improving Customer Experience in Banking

A survey of executives in the banking industry revealed that the top three initiatives planned for 2017 among leaders included: 1) removing friction from the customer journey; 2) use of big data and advanced analytics; and 3) improvements in integrated multichannel delivery. At Better Branches, our solutions can significantly help with items 1 and 3. Case in point: Branch wait times certainly equal friction and our Mobile Appointment Booking Tool is perfectly suited to positively impacting branch traffic flow, while simultaneously creating an integrated bridge between your members’ mobile devices and your branch network. Key Take Away: Branch Appointments help to move peak walk-in traffic to non-peak appointment times and provide a welcomed alternative for members who are facing a long wait for service. Plus they can play a key role in any credit union’s multichannel delivery implementation plans.

Instant Issuance and Branch Appointments – A Perfect Marriage

Many progressive credit unions have implemented instant issue card programs in their branches with great success. Instant issuance enables members to walk into a branch and, within seconds, receive a fully-functioning, active payment card. But it is not just new members but increasingly existing members who have lost their cards or need a replacement card due compromised card data that would benefit from instant issuance. This increasingly common scenario represents a great opportunity for members to book appointments with your branch staff to come in and pick up their card. Plus with a traditional, central issuance model, consumers must wait an average of seven to 10 days to receive their cards and even then, data suggests that only 90{91edff4ab0179c213d4d62ccb73735ad51d636906a6f58336791bd911b76df7b} are ultimately activated. The sooner the card is used, the faster credit unions can benefit from an immediate return on their investment. Key Takeaway: Now is the time to combine your instant issue technology with an affordable digital appointment booking platform like our Mobile Appointment Booking Tool – a convenient solution that assures 100{91edff4ab0179c213d4d62ccb73735ad51d636906a6f58336791bd911b76df7b} card activation and faster interchange income.

Booking Rooms as well as Branch Specialists

The start of a new year is always a good time for predictions. Jon Voorhees, a consultant with Peak Performance Consulting Group , makes this prognostication for branches: “Customers may be able to communicate with branch personnel via Skype and more banks will also have private soundproof rooms in which customers can have face-to-face conversations with offsite bank specialists via video-conferencing.” We could not agree more, and it is interesting to note that he mentioned rooms as well as specialists. We recently addressed this need with enhancements to our platform that coordinate video conferences for both staff, and up to two video equipped conference rooms that may be required for a meeting. Key Takeaway: Make sure that any appointment booking solution that your credit union considers is capable of booking rooms as well as appointments for your employees.

Video Conferencing is a Top Branch Priority

At the recent Future Branches conference, attendees were surveyed on many topics. In terms of the “technology needed in the branch of the future,” 63{91edff4ab0179c213d4d62ccb73735ad51d636906a6f58336791bd911b76df7b} indicated that enhanced ATMs and video sessions with advisors were their top priorities. “Mobile” finished second in the poll which is interesting because most people would not think about mobile and branch technology together. But they can certainly complement each other, e.g., our Mobile Appointment Booking Tool allows members to quickly and easily schedule appointments from any mobile device, tablet or computer. Key Takeaway: You can “future proof” your credit union by investing in a branch scheduling software now and add video conferencing as your budget allows.

Consumers Expect Multi-Channel Services, Yet Many Still Prefer Branch

Fiserv’s recent Expectations & Experiences quarterly consumer trends survey reveals that while 53{91edff4ab0179c213d4d62ccb73735ad51d636906a6f58336791bd911b76df7b} of those surveyed said they prefer to use online or mobile banking for everyday transactions, a robust 44{91edff4ab0179c213d4d62ccb73735ad51d636906a6f58336791bd911b76df7b} favored a branch location. Our Mobile Appointment Booking Tool provides an ideal way to blend the digital and the physical worlds. Members can use their mobile device or PC to book the most convenient time for them to visit their favorite branch, thus ensuring a speedy and productive visit. Key Takeaway: Members increasingly expect financial services on their terms, and credit unions must make it easy for them to conduct business at their branches. The best way to achieve this is by implementing an appointment booking system.

Millennials are visiting Branches

Qualtrics, in conjunction with Accel, recently surveyed 8,000 adults to learn how the different generations approach their money and payment options. What they found is that while Millennials are heavy mobile banking users, 30 percent of them report that they visited a financial institution branch in the past week. Meanwhile, 33 percent of baby boomers said the same. Key Takeaway: all demographics want to keep using digital channels and still visit branches, because convenience and access are important to them all!

Consumers Love Mobile Banking Apps… But Still Need Branches

This is the title of a recent article in the Financial Brand and in the article they also cover four areas that impact a consumer’s satisfaction level with their financial institution. They are: Location Convenience Ease of Doing Business Transparency and Fairness Security and Reputation The vast majority of credit unions certainly excel in all four categories and we strive to help them blend the first two on the list with our Mobile Appointment Booking Tool. In action, it could be as simple as booking an appointment online or on a smartphone to come by discuss a new auto loan or HELOC, so something more sophisticated like having them see a targeted ad in a mobile app for a specific banking product, research that product, click a link schedule an appointment at the branch. Key Takeaway: Mobile banking and branches are perfect partners in making it easy for members to conduct business with your credit union.

Phygital Banking

Phygital (physical plus digital) is a marketing term that describes blending digital experiences with physical ones.  As members become more reliant on their smartphones for their banking needs, there will be more instances that arise in which they will want to connect the digital experience with the branch experience. Our Mobile Appointment Booking Tool is a perfect example of connecting the digital (smartphone, PC, tablet, etc.) to the physical (the nearest branch that is most convenient for your members to visit). Another example of a phygital presence is evident in the trend where credit unions send universal bankers out on the floor with a tablet to greet members and direct them either to a teller or an account manager – we facilitate this process with our Kiosk for Self Check-in and Concierge solution. Key Takeaway: It is not difficult – or expensive – to increase the integration of digital with the physical branch if you have the right software solutions in place.

The in-person experience at branches is still important!

A new study of more than 9,500 consumers by Market Force Information found that one-fifth of respondents said they went into a branch in the last 90 days to speak with a branch employee about new products and additional services. Those who did reported 5{91edff4ab0179c213d4d62ccb73735ad51d636906a6f58336791bd911b76df7b} higher satisfaction levels than those who didn’t, and they were 8{91edff4ab0179c213d4d62ccb73735ad51d636906a6f58336791bd911b76df7b} more likely to recommend their financial institution to others. These numbers illustrate exactly why we developed our Mobile Appointment Booking Tool – so that your members can schedule an appointment at their convenience to come talk to your branch staff about new products and additional services. Key Takeaway: You may be able to convince members to use your digital channels, but make sure that your brand doesn’t suffer. Provide them with the option to meet in person when they want to learn about your credit union’s other products and services, and/or when they need financial advice.

Technology is great, but sometimes face-to-face is better

In support of their branch network The Nationwide Building Society, a large credit union in Great Britain, is running TV ads with the message: ‘technology is great, but sometimes face-to-face is better’. The synergy between the branch and the digital channels is directly evident: when Nationwide opens a new branch, the number of people using its smartphone app in the area “increases considerably”.  The credit union is also currently upgrading their branch network to support video conferencing equipment to connect members with remote financial specialists to offer financial advice. Key Takeaway: We continue to advocate for building bridges between the digital channels and the branch and support that philosophy via modules such as our Mobile Appointment Booking Tool and our Video Meetings Queues.

Summit Credit Union Enjoys Robust Branch Traffic

Summit Credit Union is a large – $2.4 billion in assets and more than 153,000 members – and progressive credit union that is the second largest credit union in Wisconsin. Rebecca Gerothanas, SVP of Operations at Summit, states that “electronic banking is gaining in popularity; there is no doubt about it,” but she quickly adds “people still want to have a branch nearby and come to our branches for a variety of financial needs.” Their 34 branches remain busy opening new accounts, providing loans, and offering investment services and dispensing financial guidance. The last three activities are particularly well suited to appointment setting capabilities delivered by software such as our Mobile Appointment Booking Tool, while the first is optimized by software like our Better Lobby platform that supports both visitor self check-in or concierge staff check-in.  Key TakeAway: Credit unions still rely on branches to add new members and deliver stellar support to existing members so credit unions must build software bridges between their branches and their digital channels in order to help keep their members happy.  

Branches remain essential to CU’s relationships with members

FDIC Chief Economist Richard Brown says that “this thesis…that we have mobile banking and high-tech banking, therefore the branch offices are dinosaurs and going away appears to be substantially overstated.” ATMs never replaced tellers when they came online as predicted by many pundits, and now mobile can’t possibly replace them either. It is a safe bet that branches will shrink in size over time and become more sales oriented versus transaction oriented, but the fact remains that branches remain crucial touchpoints for acquiring new members and doing more business with existing ones. Key Takeaway: Your members still want to visit your branches, so make it as easy as possible for them to do so – allow them to make appointments with your staff at the most convenient time and location of their choice.

The Branch of the Future Will Still Be a Branch

Over the years, telephone banking and ATMs were going to replace the branches, then online and mobile banking were pegged as “branch killers.” Members now have more banking options ever – especially when it comes to handling routine transactions and balance inquiries, yet survey after survey shows that consumers in all age groups still value branches.   Dave Martin, a long time banking consultant (www.bankmechanics.com), rightfully points out that people “do not really want physical access to branches. They want physical access to bankers. Branches just happen to be where we keep them.” While mobile/online banking, bill pay and ATM networks offer tremendous convenience, they will never replace the personal assistance of a human being at a branch. Key Takeaway: Not much shows that you value your members’ time more than allowing them to book appointments with your staff – this is truly service with a personal touch. We’ve made it easy and affordable to implement one-on-one appointments with your CU’s branch employees by using our Better Lobby Mobile Appointment Booking Tool.

Blending your branch and digital channels

Accenture, the multinational management consulting services company, surveyed more than 4,000 retail bank customers in the US and Canada and uncovered these attitudes about using branches  : 87% indicated they will continue to use the branch in the future 49% said they anticipated using the branch two years from now because “I trust my bank more when speaking to someone in person” 47% said “I receive more value from my bank when speaking to someone in person” The report concludes that “banks need to find ways to blend the digital and branch experiences to provide more value-added services to their clients.” We concur wholeheartedly with this assessment, and this is why we developed our popular Mobile Appointment Booking Tool. Key Takeaway: One of the best ways to blend the digital and branch channels is to allow your members to book appointments with your branch employees via their mobile device or on their PC.