CUES SKYBOX BLOG

Page 1 of 18

Get ‘Wow’ Instead of ‘Wah, Wah, Wah’

Enhance your communication skills to effectively deliver your message. By Sheri Staak Effective communication is not always a given—it’s a skill set that can be learned, enhanced, and shared with those you lead. Transparent, fair, and reciprocal communication is vital to the success of any team. If you are a “wow” leader, as I like to call exemplary leaders, set the example by being a positive, clear communicator who encourages the same from others. Presentation skills, public speaking, executive presence, or platform skills (no matter what you call it), a “wow” leader needs to be good in front of people. To inspire others to rise up and go the extra mile, the clarity, passion, and sincerity of your words must be properly communicated. If you deliver a lackluster, insincere, or rambling message to your team or audience, what they’ll hear will be little more than what Charlie Brown and his friends hear when the grownups speak: “Wah, wah, wah.” To develop and maintain exemplary platform communication skills, you must work at it. You must resolve to wow by identifying what may be tripping you up at the podium or in the boardroom. Try some of these techniques: 1. Prepare. Make […]

Read Full Entry

Growing Into Leadership

Individuals and the industry benefit when credit union executives undertake professional development. By Soma Sarkar I’ve learned a lot about growth during my credit union career. When I was hired in 1994 to fill a branch manager opening at the Credit Union of New Jersey, I was my CU’s 12th employee. Back then, CU of New Jersey had $42 million in assets and was a cash operation. Now, it has 99 employees, $317 million in assets and is a full-service financial institution. As the credit union has grown, so has my role in it. Now I’m EVP/chief operations officer, overseeing all the CU’s retail branches, plus lending, compliance and a call center. I think my plan to attend the three years of CUES’ CEO Institute is an important next step, not only toward my own professional growth and the future success of the credit union, but also the overall development of leaders for the future of the CU industry. I’m excited to begin next month by attending CEO Institute I at the University of Pennsylvania’s Wharton School. As credit union executives, we need to prepare ourselves and our peers as strong leaders to keep the movement going forward. With the […]

Read Full Entry

Delivery: My Way or the Highway

Millennials cast their vote for omni-channel delivery.  By Andrew Tilbury Sponsored by Bluepoint Solutions Members, especially the coveted Millennials, want financial services delivered to them “where” and when they want them—whether that’s in a branch, via their laptop or tablet, on their smartphone, or (soon) on their wrist. This has serious implications for credit unions of all sizes and will undoubtedly favor those who are innovating in delivery channels for their members. It also looks like we are looking at new shifts involving tablets. A 2014 report from Javelin Strategy and Research predicts that 138 million adults will access their financial accounts through tablets by 2018. Notably, Javelin believes that financial institutions are not well prepared for the tablet boom, and that they must strive to provide robust tablet banking apps, especially for the complex Android market. Indeed, areas of rapid growth in service delivery right now include mobile and social media-based banking, according to our latest report, Disruption in Financial Services: Threats and Opportunities. The report indicates 72 percent of Millennials are active users of mobile banking. Additionally, the report notes that while online banking usage has remained relatively constant over the past three years, mobile banking has nearly […]

Read Full Entry

Mobile Account Opening and ‘Switch’ Kits

Mobile sales is the next front in the share-of-wallet battle. By David Eads Every year in the United States., $1.8 trillion in retail banking assets switch from one financial institution to another. This number is growing as Millennials join the workforce. Credit unions continue to invest heavily in mobile member service tools – and rightly so. However, most credit unions have overlooked the mobile member experience of joining the credit union or adding new products. On average, mobile accounts for 37 percent of attempts to join credit unions–but 80 percent fail, according to a Mobile Strategy Partners study. Even worse, prospective members with a negative experience trying to join the credit union are less likely to respond positively if approached again. Credit unions must shift their mobile strategy from service to sales and service. Retailers already have shifted their mobile strategy. Mobile accounted for 45 percent of all holiday shopping traffic in 2014 and 22 percent of all online holiday sales according to IBM. Credit unions should take note and empower their members to do the same. But despite this evidence, financial institutions as a whole have been slow to enhance digital sales. Why? Because institutions have ignored their mobile […]

Read Full Entry

Is PINless Winless?

 As retailers move to capitalize on PINless debit, CUs need to re-evaluate their fee and reward programs. By Joe Woods Sponsored by CU24 Credit unions have seen a recent spike in PINless debit transactions as Walmart, Target, McDonalds and other large, national merchants have begun implementing PINless as part of their business strategies, reducing interchange that flows to issuing credit unions. (Also read, “Retailers Reduce CU Debit Income” on this blog.) What are “PINless” transactions? When a consumer uses her debit card for a purchase that is less than $50, a merchant may decide to route that transaction over one of the PIN debit networks, without capturing the PIN. Merchants may not even offer the consumer the choice of PIN, but routinely capture the transaction and forward it as “PINless.” PINless transactions aren’t new; however, they have been used infrequently, generally for transactions where both parties are known to each other with an established relationship, such as utility bill payments, rent payments, tuition and the like. The original intent was to provide a quick, low-risk transaction for cardholder and merchant. PINless was rarely used for routine POS debit activity. With this shift in merchant transaction routing behavior and the accompanying […]

Read Full Entry

A CEO at Every (Employee) Desk

Leadership should come from every level of your organization. By Jeff Rendel, CSP Several years ago, I was speaking for a credit union at its all staff in-service day. Before the activities began, I was going about the meeting room visiting with staff. I introduced myself to a young lady and asked what role she served at the credit union. “Oh, I’m just a teller,” she replied, with a sinking tone that focused on the word “just.” Swiftly, I pointed out the credit union’s CEO, who was chatting with colleagues. “Do you see your CEO?” I asked the teller. She responded with an affirmative nod. “I’ll bet that you see and serve more members in one day than your CEO sees and serves in one month, maybe one year,” I continued. “In your members’ eyes and experience, you are the CEO of the moment and transaction.” A credit union CEO friend of mine backed up my “from-the-hip” claim and analyzed the number of member interactions among five staff member levels over one month. In a month, the credit union conducted 19,564 member interactions. Of those interactions, the CEO interacted with members five times; front-line leaders interacted with members 17,548 times. […]

Read Full Entry

The Mobile Front Door to Your CU

Implementing on-the-go banking can serve your members–and your CU. By Brooke Strohman Sponsored by Transamerica Group Have you ever left home without your phone? The fact that it is normally in use makes that hard to do, but when it happens, do you feel an overwhelming rush to turn around and go get it? Mobile devices, including smartphones, have become a staple in everyday activities. According to Flurry Analytics, in 2014, overall app usage grew by 76 percent and time spent on mobile devices grew by 9.3 percent. In fact, last year the average person spent almost three hours a day on their mobile device. Where years past have seen massive growth in games and entertainment, according to Flurry, 2014 was the year apps got down to serious business. The biggest increase in usage was for utilities and productivity apps. These apps help keep lives organized; they help with on-the-go shopping, working, and communication. This confirms that phones and tablets have become indispensable devices that help us work and keep our lives organized. So, out of those three hours a day, how much time did you connect with your members and prospective borrowers via mobile devices? Mobile functionality and communication […]

Read Full Entry

Know Your (Apple Pay) Customer

New payments technology doesn’t remove the need to take ‘traditional’ security step. By Lisa Hochgraf I’ve helped CUES publish a fair bit of information about how Apple Pay will be a key tool in credit unions’ security arsenals going forward. (In particular, the post “Apple Pay and EMV Security” comes to mind.) So imagine my dismay when my boss sent me a link to a blog post entitled, “Turns out Apple Pay Can’t Solve Credit Card Fraud.” The post author says the hardcore Apple Pay security technology works well–but can’t overcome issues with cards themselves. “According to Drop Labs,” the post details, “people are buying credit card numbers online, then loading those same numbers into Apple Pay, in essence making themselves a handy fake credit card, without going to the trouble of making a physical fake.” Blah. So much for staying ahead of the fraudsters. For perspective, I touched based with the experts at Cornerstone Advisors Inc., a CUES Supplier member and our strategic partner for technology and enterprise risk management services based in Scottsdale, Ariz. Here’s what Director Ryan Rackley had to say: “Apple Pay is not an excuse to bypass the ‘know your customer’ guidelines. Apple Pay has […]

Read Full Entry

4 Steps to Becoming a Core-Focused Leader

It’s a natural motivator to know who you are. By Theresa Witham To be successful as a leader, you need to be focused. To be focused, you need to know who you are at your core, said Doug Nielson, CSP, MSW, LCSW, author, performance interventionist, coach and psychotherapist, at CUES Symposium: A CEO/Chairman Exchange earlier this month. “At the center of your being you have the answer; you know who you are and you know what you want,” he said. If your core doesn’t immediately show itself, the following exercise from Nielson will help. There are four value components of your core, Nielson said. Become: In one word, who would you like to become? Write a core statement around that word. Then think of actions that will help you achieve it and when you need to complete them by. Experience: What experiences would you have in your role in the next 90 days? Again, think of one word for the experiences; then write a statement based on that word and define the actions you need to take. Contributions: What contribution would you like to make? How would you like to contribute in the next 90 days? Follow as above with […]

Read Full Entry

Leadership and the Next Generation of CEOs

Collaboration and values-based credit unions are at stake. By Henry Wirz I just returned from the Western States Summit Round Table, founded many years ago by Stan Hollen, Rudy Hanley, Ed Callahan and Gary Oakland. These former credit union CEOs, all retired now or in other roles, were part of my generation of CEOs. The question I ask myself over and over is who will assume the kind of leadership that they and others of our generation brought to their credit unions and the credit union system in general. Many CEOs at the recent round tables are of the next generation, and it is too soon to see if they will be great leaders, too. The last generation of CEOs created the modern credit union with professional management, they developed the CUSOs (CUDL, CO-OP, PSCU, CSCU, MBL, etc.) and they played a great role in political advocacy and regulatory advocacy, possibly saving credit unions with HR 1151. What made CEOs like Stan Hollen, Rudy Hanley, Ed Callahan and Gary Oakland effective is that they were doers, thinkers and advocates. I have attended many round tables and what I recall is that our generation of CEOs used the round tables to […]

Read Full Entry

The iPhone Effect

What do all these smartphones mean for branch delivery? By Suzi McNicholas It is clear that now, more than ever, today’s consumers are heavily influenced by technology that is simple, cool and connected. Take for instance the smartphone. This device has completely pervaded consumers’ everyday lives, and now credit union members expect similar technologies to accompany more and more of their daily tasks, especially when it comes to banking. This so-called “iPhone effect” has encouraged many credit unions to give an enormous amount of time and resources to expanding their online and mobile banking offerings. Rightly so. However, even though foot traffic in retail branch locations has decreased, the branch still remains the No. 1 sales and member engagement channel among credit unions across the country. While digital channels are critical to meeting members’ transactional needs, the physical branch is still a key component of engaging with members face to face. Contrary to popular belief, consumers still value human interaction when it comes to their personal finances. But now CUs must find a way to service tech-savvy members who demand a better in-branch experience. IDC Financial Insights predicts branch transformation will be an area of major investment over the next […]

Read Full Entry

Creativity vs. Career

The distinction is valuable. By Lisa Hochgraf My New Year’s resolution is to read more for pleasure. And wouldn’t you know it, my first pleasure read of 2015 inspired two work-related blog posts (this one and “Fifteen Years to Famous,” which published last Wednesday). The first book I read this year was Yes, Please! by comedienne Amy Poehler, famous from her time on “Saturday Night Live” and “Parks and Recreation.” (Poehler would be proud of me for writing two posts referencing her book, I think. The back cover says, “As a reader of Yes Please I hereby swear to purchase book and read it. … All parties agree to discuss book with family and friends and purchase multiple copies if so inclined. … ” But I digress.) I thought what Poehler had to say about the different between career and creativity was worth talking about: “Creativity is connected to your passion, that light inside you that drives you,” she writes. “That joy that comes when you do something you love. That small voice that tells you, ‘I like this. Do this again. You are good at it. Keep going.’” The parts of my work that fit Poehler’s creativity bill include […]

Read Full Entry

Retailers Reduce CU Debit Interchange Income

Alert CUES members note that Walmart, others now exercising their processing choice for small transactions. By Karen Bankston You may be noticing the latest impact of the Durbin Amendment to the Dodd-Frank Act on your credit union’s interchange fees. It appears Walmart and some other large retailers have begun processing signature debit transactions as “PINless PIN” transactions, thus reducing interchange fees—and credit union revenue—even when members opt to sign on the signature pad. The giant chain may be at the head of the pack of merchants aiming to reduce card processing expenses by adjusting the routing logic on their point-of-sale terminals to submit debit charges of $50 or less as PIN transactions whether consumers key in a code or sign for their purchases. “Merchants are beginning to exercise their new transaction routing freedoms, made possible through the Durbin Amendment, which gives retailers the option to do network routing as they see fit,” says Ryan Rackley, director with CUES Supplier member and strategic provider Cornerstone Advisors, Scottsdale, Ariz. The PIN networks, such as STAR and Pulse, introduced a PINless debit option for low-risk transactions in certain categories, including retail purchases, a few years back, Rackley notes. With their small-ticket sales, fast-food […]

Read Full Entry

Fifteen Years to Famous

Great jobs sometimes come after a lot of hard work. By Lisa Hochgraf Last week my 11-year-old was worried about what job he would have in the future. In addition to telling him that he had some time to figure things out, I  suggested that typical career paths are a bit more windy than just deciding on a career and then making it happen. Over the holidays, I read Yes, Please! by comedienne Amy Poehler, famous from her time on “Saturday Night Live” and “Parks and Recreation.” In the book, Poehler underscores the idea that careers aren’t made in a moment, but rather from hard work and experiences along the way. “Good or bad, the reality is most people become ‘famous’ or get ‘great jobs’ after a very, very long tenure shoveling sh** and not because they handed their script to someone on the street [who’s famous and could help them],” she writes. “People still think they will be discovered in the malt shop, even though no one can tell you what a malt is anymore. “Everyone wants to believe they will be the regular guy from Sioux City who becomes a reluctant movie star despite his best attempts to […]

Read Full Entry

5 ‘Youtility’ Ideas for CUs

CUES Symposium attendees brainstormed ways CUs can be useful to members online. By Theresa Witham Being useful (rather than just selling) is a key way to establish a positive social media presence, according to Jay Baer, marketing strategist, best-selling author and president of Convince & Convert. During his session at CUES Symposium: A CEO/Chairman Exchange last week, attendees had a chance to brainstorm “Youtility” (the title of Baer’s book) ideas for credit unions. They came up with fantastic ideas! Here are five: Custom ATM messages: Program ATMs to display messages related to life such as “Don’t forget to floss,” “Call your mother,” or “Don’t forget to vote.” Welcome to Life Basket: Work with a local hospital to celebrate births. Open memberships for each new baby and provide the mother a basket of items she’ll need for the first week at home. Repair and Maintenance Program: With home repairs, new roofs, car repairs, etc., credit unions have a vested interest in what’s being repaired. The CU would become a sort of Angie’s List where it could recommend local companies. And if something goes wrong with the repair, the CU could step in as a mediator. Wellness Hub: The credit union is […]

Read Full Entry

Is Your Marketing Useful?

CUES Symposium speaker offers insight. By Theresa Witham Online, we have an overwhelming amount of competition for our attention, said Jay Baer, marketing strategist, best-selling author and president of Convince & Convert, speaking at CUES Symposium: A CEO/Chairman Exchange on Monday. He shared some examples from his personal Facebook feed and it looked something like: picture of a friend’s cute kid, post from a company that he follows, post from his wife, another post from a company. “Yours looks exactly the same and so does the Facebook feed of every single member and nonmember,” he said. The same goes for Twitter, Pinterest and Instagram. It’s a combination of personal and commercial relationships. As a brand on social media, “are you more interesting to me than my wife?” he joked. Probably (hopefully!) not. And on the day after Sunday night’s big game, Baer said: “We’re all competing with Katy Perry and the Super Bowl.” So what should you do about this? How does a credit union shine through posts about the halftime show and someone’s adorable nephew? “Stop trying to be amazing and just start being useful,” he said. It’s a concept Baer calls Youtility (and it’s the title of his […]

Read Full Entry

This Innovation Got My Mojo Running

Reimagined grocery checkout has lessons for CUs. By Christopher Stevenson For many in Wisconsin and Illinois, a trip to Woodman’s Markets, an employee-owned grocery chain, is a weekly ritual. For the uninitiated, Woodman’s stores are huge and offer a variety of foods not available at most other grocery stores at terrific prices. In a typical week, I can save upwards of 50 dollars on my food purchases by making the 20-minute trek to my local Woodman’s. That’s reason enough for me to love it. That said, a trip to Woodman’s has its challenges. The stores are huge and until you learn where things are, a simple trip to the store can be time consuming and frustrating. It’s swamped on weekends when people are stocking up for the week. Packer game days? Don’t bother. Pre-game, the store is packed to the gills with people in green and gold jerseys trying to cram in their shopping between church and kick-off. If you venture in after kick-off, the store looks like a swarm of locusts has swept through, leaving behind a few wilted leaves of lettuce and a couple Cheerios. Still, these challenges can be overcome once you develop your “Woodman’s Mojo.” After […]

Read Full Entry

Mortgage Success Through Member Education

Credit unions can win over banks in this area. By Nicole Hamilton Credit unions have a unique opportunity to capture new members and market share around home ownership, and a distinct competitive advantage over other institutions to do so. Americans have much of their money in their homes. In fact, 80 percent of home owners have 66 percent of their net worth in the equity on their house, according to the Century Foundation’s white paper: A Tale of Two Recoveries. This makes their home by far their largest investment. Yet the statistics on how much people understand about mortgage concepts are grim. Mortgages are complex, but are often sold simply, with the focus on interest rate and monthly payment. In addition, few home buyers are aware of how much equity they might have in their homes in the future, given different available products and offers, or what the trade-offs are with regard to overall cost of the loan. Mortgage originators need to be concerned with ability to pay, and the qualification standards are high these days, preventing precarious financial commitments that many homeowners found themselves in during the pre-mortgage crash. Banks that originate mortgages are generally focused on mortgage origination […]

Read Full Entry

Make Learning Work for Employees and Your CU

Employers play key role in success of employees’ professional development. By Lisa Hochgraf Making learning seem both fun and doable is an important challenge for executives and credit unions alike. The world is constantly changing, so we have to keep learning to keep up. And taking a formal class–like the massive open online course, “Content Strategy for Professionals in Organizations,” that I’m signed up for in April–can seem daunting. But I’m lucky because CUES backs me up. My boss and the organization as a whole knows that I’ll be working extra hard those six weeks to meet publication deadlines and learn all I can from the Northwestern University professors who will be leading the class. The article, “How to Keep Learning and Still Have a Life,” from the November 2014 issue of Harvard Business Review suggests that my feeling of being backed up by my employer is key to success. “Learning efforts can easily fall flat without institutional muscle behind them. Sure, leaders may encourage employees to sign up for extra training and courses—but how many people will find time to engage properly, or at all, if their workloads remain the same and their studying must be done after hours? […]

Read Full Entry

The Member Education Piece of Apple Pay

The people you serve may have the same questions I did. By Kelly Schmit Credit unions that implement Apple Pay this year may need to educate their members about this new offering, so they are less nervous and more willing to try it out. I know this because I am one of the members that needed education. I got a bunch last week when I attended CUES’ Apple Pay, MCX & Beyond: Your Mobile Pay Strategy in Dallas. Here are some questions that I, a 33-year-old wife and mother of two, had about this new offering, with answers from the experts that presented at the CUES seminar. You might find that your members have similar concerns. Do you have someone ready to answer them? Can everyone use Apple Pay? Apple Pay can only be used on certain Apple devices, but all smart phones are getting their own cellular payment platform. So don’t worry, no one will be left out of the new payments movement in due time. What happens if my phone gets stolen? Doesn’t that expose all my payment information? The experts from Apple Pay, MCX & Beyond underscored that losing your cell phone is a bummer in terms […]

Read Full Entry

‘More’ Foreclosures Predicted Under New Rules

Does your experience match this? By Mary Auestad Arnold Brian Dolan predicts that in many areas of the U.S. the number of foreclosures during the first six months of 2015 will exceed the number during the first six months of 2014. Dolan is an attorney with the credit union group of Kaufman and Canoles, Norfolk, Va. The seventh prediction in the winter 2015 issue of his firm’s “Credit Union Legal Update” explains his thinking: “The new mortgage servicing rules, which took effect in 2014, now prevent the first notice of foreclosure until a member is more than 120 days delinquent. This rule artificially decreased the foreclosure rate during the first half of 2014. The second half of 2014 saw the foreclosure rate increase in comparison to the first half of the year. “Also, as result of the 120-day prohibition, by the time many members now seriously attempt to cure their default, the deficiency has become so large that they cannot secure the necessary funds,” the article continues. “Thus, we predict the foreclosure rate during the first half of 2015 may be closer to the rate in 2013 than the rate in 2014.” What do you think of this? Are you […]

Read Full Entry

Substitute Mindfulness for Multi-Tasking

3 tips for the workplace. By Romie Mushtaq, M.D. Google, eBay, Intel and General Mills offer classes on it. So do Harvard Business School, Ross School of Business and Claremont Graduate University, among other campuses. Mindfulness–being focused and fully present in the here and now–is not just a corporate trend, but a proven method for success, both for individuals and for businesses. Even if a company doesn’t make it part of the culture, employees and managers can substitute their multi-tasking habits with mindfulness to reduce stress and increase productivity. The result that you and your colleagues will notice is that you’re sharper, more efficient and more creative. Many scientific and medical studies have documented that practicing mindfulness, whether it’s simply taking deep breaths, or actually meditating or doing yoga, has been shown to alter the structure and function of the brain, which is what allows us to learn, acquire new abilities, and improve memory. Advances in neuroimaging techniques have taught us how these mindfulness-based techniques affect neuroplasticity, or the brain’s ability to change in function or structure based on new experience. Multi-tasking, on the other hand, depresses the brain’s memory and analytical functions, and reduces blood flow to the part […]

Read Full Entry

Get a Good Strategy for Your CU

By Kelly Schmit Volunteers are expected to be involved in a credit union’s strategy development and prescribe a course into the future, John Oliver, president of Laurel Management Systems, Inc., told CUES’ Directors Conference attendees last month. But what is strategy, exactly? According to Oliver, it’s not financial and business planning, but understanding the needs of the marketplace and how your credit union will meet them. A strategy is the purpose or the message of your credit union—where your credit union is going and why, Oliver explained. “As volunteers, you are responsible for giving your employees and members a purpose to follow,” he said. “Be passionate about why your credit is here with a guiding principle, and make sure everyone knows their role. “We are a very over-banked society and you need to meet your market’s needs through strategic leadership—which involves the application of the most simple economic theory, the allocation of limited resources or ‘deciding what to do and not do,’” he explained. According to Oliver, strategy development starts with holding the current business model up to scrutiny: Understand your value proposition before you question its sustainability. Understand your culture. Research, research, research and base decisions on hard data. […]

Read Full Entry

Creating a Culture of Innovation

Know why you do the things you do–and support staff in doing them. By Kelly Schmit As an employee of CUES, I really related to what former Trader Joe’s CEO Doug Rauch said during our Directors Conference in December. Two points from his presentation rang especially clear: 1) innovation is needed for a business to succeed, and 2) the right culture is needed for innovation to take place. About a year ago, CUES went through the rebranding process, a major change. We wanted to create a culture of innovation; put ideas into action; and deliver valuable events, products and services to our market. Rauch told all of us at Directors Conference: “To create a culture of innovation, you have to start with why you exist as a business. Often we know what we do and how we do it, but sometimes we forget why we do it; and the why is the most critical part. Great businesses don’t simply try to maximize their bottom line, but return to their purpose.” As part of its rebranding process, CUES took a hard look at its mission and vision statements (read them here), what we were and what we wanted to become. Building […]

Read Full Entry

Apple Pay, EMV and Retailer Breach Prevention

Could these new developments have helped avoid the Target compromise? By Michelle Thornton Perhaps the most common security question asked about Apple Pay’s tokenization technology and EMV (“chip”) cards is whether they could have prevented the Target breach, the first anniversary of which the industry just marked during the 2014 holiday shopping season. The short answer is no, but let’s look at what these security technologies can do. EMV—which secures card-based transactions, using a specialized computer chip housed right in the plastic—couldn’t have prevented the breach itself. But it could have prevented compromised numbers from being used to create counterfeit cards. EMV cards are difficult to reproduce, so fraudsters typically don’t attempt it. Tokenization—which removes the credit card number from an online, mobile or contactless point-of-sale transaction and replaces it with a randomly generated number–couldn’t have prevented the breach, either. But any tokenized numbers would have been worthless to the fraudsters. Tokenized numbers (at least in Apple Pay) are tied to a specific device (aka phone). So if the fraudsters got the number and tried to use it, the transaction would fail because the unique elements of that device would not be present in the transaction. Behind the scenes, the […]

Read Full Entry

Page 1 of 18