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  • The DigitalMailer Blog

    June 4, 2009

    A Case Study: Shell FCU


    by Ron Daly

    Shell FCU recently was named business of the year by the Deer Park Chamber of Commerce. DigitalMailer wants to send its congratulations to a credit union that has set down deep roots in its community of members.

    Why are they Business of the Year? Something tells us it’s a matter of commitment.

    To The Environment:

    A look at Shell FCU’s website shows they’re big fans of a natural, eco-friendly look. At the bottom right-hand corner of their page is a logo showing their participation in the Green Business Alliance. On content pages, links to their eStatement enrollment page encourage members to “go green” with DigitalMailer’s eStatements (see below).

    To The Community:

    From Shell FCU’s press release:

    In addition to time spent at work, employees also volunteer for the credit union’s FCU “Furthering Community Unity” Team. The FCU Team consists of Shell FCU employees, members and local individuals who participate in events such as blood drives, walks, runs, food drives, Habitat for Humanity and other charitable events. In 2008, the FCU team logged over 347 hours and donated more than $8,900 to help others. As of April 2009, approximately 465 hours have already been donated.

    To Reaching and Helping Members:

    In the past year, Shell started up iLife, a service for younger members that offers incredible rates and savings programs. You can go to the iLife webpage to learn about their rates and accounts, watch user videos, read their blog, sign up for their Facebook page and follow them on Twitter.

    So congratulations, Shell – you’re setting a great example. Keep up the great work!

    Want to prove your commitment to green solutions and online innovation? Get online with DigitalMailer’s eStatements! Click here for more information.

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    May 5, 2009

    20&Change: Straighten Up and Fly Right

    Filed under: 20andChange,Credit Union News,Generation-Y Marketing — admin @ 1:48 pm

    by Jimmy Marks

    The economic crunch has really “put a hurtin‘ ” on employment. This is especially important to people in my generation, many of whom are just leaving college and need to find a job somewhere…anywhere, even. But people my age have been given a bad rap in the media – labeled as spiritless and pouty in the workplace, seen as always needing their hands held, regarded as a distraction more than an asset. As recently as a week ago, people were talking about Gen-Y as a drain on productivity and workplace efficiency (click here to read).

    From that same article:

    “Managers have reported a lot of problems associated with this – primarily that these employees have unrealistic expectations and a strong resistance toward accepting negative feedback,” he said.

    “Basically entitlement involves having an inflated view of oneself, and managers are finding that younger employees are often very resistant to anything that doesn’t involve praise and rewards,” he added.

    But this article from the Wall Street Journal actually makes Gen-Y seem…well, moderately competent and not stupid and whiny. Hooray! We’ve got at least one supporter.

    From the WSJ article:

    “Many Gen Y-ers are also becoming … ‘good workplace citizens.’ That is, rather than demanding to be catered to, they’re instead becoming prompt, dressing more appropriately, following up on obligations, and using better judgment. ‘They’re also shifting their attention from peer relationships to building rapport with managers, customers, vendors, and other decision makers…’”

    Not only are my fellow whippersnappers becoming more professional, they’re REALLY starting to take an interest in their finance management. According to this article from PlanAdviser.com, more and more Gen-Ys are asking for advice on retirement savings and benefits through work. The downturn has really taken its toll, shaking my generation lose of their false sense of entitlement and showing them that now is the time to straighten up and fly right.

    Now, the question: what will you do with this information? Because if you’re a Credit Union, one that’s touting your capacity for smart savings and money management, you need to talk up your ability and your willingness to help young folks get their lives in order. Quit with all that “We’re so dope and fly and fresh and jiggy!” talk. It’s doing you no good. Make your message clear and plain – that you’re willing to help the youngsters make smart decisions about their money and smart investments for their retirement. PNC has managed to make a go of it, signing up 20,000+ folks for its “virtual wallet”, 70% of which were Gen-Y aged (click here to read all about it). You can do this, too. Just offer a smarter, easier way to “get” finance. A smarter, more humble Gen-Y will thank you for it.

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    December 3, 2008

    Gen-Y’s using the Internet all the time (and handing ME the bill)!


    by Greg Crandell

    Read a little article from eMarketer (click here) about Gen-Y’s affinity for the internet. I wondered if this was one of those “Duh of the Week” things Ron likes to talk about (I think their first award was just given away today over at CUSoapbox.com). And then I looked at the charts that the article showed that said Gen-Y kids are using mobile communication 30% more than folks my age.

    I suppose that’s just a difference in generations. They have technology now that we just didn’t have/need/want when I was their age. And they have parents who, for whatever reason, set them up with it. Read this whitepaper for more information (click here for PDF).

    Don’t get me wrong, iPhones are sweet little pieces of machinery. They can tell you songs you’re listening to and find you a sushi restaurant and let you watch Gone with the Wind simultaneously, if you’re into that sort of thing. But they’re also pricey. So much so that some people use the iPhone as a replacement for home phones, internet service and personal computers (read the ComputerWorld article for more info). The fact that poverty is supporting 3G network growth is astonishing to me, but hey…stranger things have happened, I suppose.

    But back to young people using the Internet between 80 and 90 percent of the time. What’s to be said about that? Is it better for kids to be Twittering and Googling and Flickring and Tumblring and…anything-else-ing all day? Should they be made to pay for it on their lonesome? Is there any way to do it?

    I welcome a solution in our “comments” section, if you’ve got one.

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    October 17, 2008

    20&Change: ATM Fees are for the Stupid

    Filed under: 20andChange,Credit Union News,Credit Union Tech — admin @ 6:05 am

    Jimmy Marks is soft in the head. He’s also a fan of the “Twitter”, so be sure to start following him. He says things, people remark…it’s a good system.

    I took a few days to travel recently and needed cash. Not having any, I did the only sensible thing I could: hit up an ATM.

    Now, my CU didn’t have any branches where I was (out-of-state and all that) so I had to visit various ATMs in the area. And I was stunned and how much it cost in the long run.

    I took two trips and removed $60 bucks each time. Each time, I was assessed a $3 fee from the ATM I visited and tacked on another dollar when I got home (from the CU itself, which doesn’t like it when you go out of network).

    So that’s eight dollars gone. Think of all I could have bought with that! Two chicken sandwiches from McDonald’s! A new Gary Larson calendar! 1,600 shares of GM!

    I was relaying this problem to Ron, who looked at me quizzically.

    “Why didn’t you use the free ATM locator?” he asked. “Our credit union’s website offers a program that shows free networked ATMs in a search area” (NOTE: That network he’s referring to is the Co-Op Network, which is awesome.)

    I could’ve kicked myself. Why didn’t I think of that? But the better question is will YOU remember it when you go on your next trip? Banks and ATMs make millions every year in fees…money out of your pocket.

    So use your Co-Op locator. Failing that, just go to a convenience store/grocery store and ask for cashback on a purchase. It can be a minor purchase, too, so not only do you get $40, you get delicious gum!

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    September 17, 2008

    20&Change: I do not "heart" Hannah Montana


    by Jimmy Marks

    I’m a little miffed today.

    One of my colleagues managed to drop a back-issue of the Credit Union Times on my desk today. In it was an article (read the online version here) about how Credit Unions need to “think outside the box”.

    Ho hum, I thought, considering that just about every article that has ANYTHING to do with Credit Union marketing says those exact words.

    But then I kept reading (bad idea). The article goes on to say that:

    • Credit Unions have to get themselves onto Facebook and MySpace.
    • Gen – Y is the “Hannah Montana generation” (although it never says why).
    • Gen – Y has no interest in entering a brick-and-mortar building when it can do everything online.
    • No one cares about helping people.

    The article goes on to make outrageous claims about how the iPhone and Bill Gates’ retirement mean Macs will outdo PCs – which is bull. PCs claim about 75% of the marketshare, Apple moves around 6%. Read about that here.

    The overarching question in the piece is “Are you still a CD Credit Union in an MP3 World?”

    Right, I forgot – No one buys CDs anymore. Which is why THEY have shy of 90% of the market, compared to 10% for MP3s and – get this – 0.2% vinyl. People are still buying albums on vinyl!

    The article is littered with buzzwords. “Evolve with the marketplace”, “Be edgy”,”Outdo the Banks”…sorry, I nodded off there. I don’t want to seem like I’m picking on anyone (I’m really not – the article’s a good read and it DOES point out that sometimes the best way to appeal to a group is to latch on to their wants more than their needs), it’s just that I’m tired of people in the CU industry who try to drive a square peg into a round hole when it comes to young customers. You want the truth about how young folks (like me) see finances?

    I’ll do this one thing at a time.

    1. Credit Unions should be on Social Networks – Okay, so Facebook is important to advancing high schoolers and college kids. Fine. But nobody needs to get it in their head that all the problems CUs face trying to get youth membership will disappear when they sign their CU up for a MySpace page or a Twitter account.

      Gen-Y uses these spaces as a personal tool, not a professional one (go back and read my old posts on Facebook and Social Networking – or don’t, I don’t care). So no, you don’t get a bump in ROI because you uploaded your favorite videos of a dog chasing his tail. You want to advertise? Advertise. But don’t try to “friend” me to tell me about a Roth IRA. I promise you I won’t want to chat about it. Want to use Facebook’s ACTUAL business tools? Here’s a link. I just made your day.

    2. Gen – Y LOVES Hannah Montana - I’d laugh at this if the thought didn’t completely repulse me.

      And why does this have anything to do with ANYTHING?!? Hannah Montana is not a real person. Is the idea that Gen – Y is desperate to be dual-identity pop stars? Did people in the 30s and 40s call their children “The Buck Rogers generation”? You CAN’T BOIL AN ENTIRE GENERATION OF PEOPLE DOWN TO A FAD. Fads disappear – and so does money, if you’re not careful.

      That’s why we (the young) rely on Credit Unions to KEEP our money. This link points to a study saying that only about 19% of Gen-Y’s total income gets saved (that’s an average, now…nobody I know puts away 20%, not even me).

    3. You can do it all online! – No, you can’t.

      I can’t go online and speak to a loan officer. I can’t go online and resolve a checking dispute or get the best service for a problem I’m having. My computer doesn’t burp up cash when I need it. I can’t count on my computer for everything.

      Sometimes, you have to have a building with actual, living, breathing people inside. The speaker from the article says he’s “of the generation that…learned to eliminate the middle man.” Well, why’s he still here? I point to self-checkout, a phenomenon that is popping up at more and more stores. I love self-checkout because I never have that much stuff and it all pretty much fits in one bag. But when I buy beer (I’m 22) or Lucky Charms (I don’t act like I’m 22) that don’t scan correctly or need cashier assistance, I can’t just beg the machine to read my ID. It won’t. Because there is NO SYSTEM in the world that can act without human input.

      Drink machines don’t refill themselves, Gas pumps don’t just pump pure crude from out of the ground, and a bank can’t run without people there to make sense of whose money is where. You can upgrade or downgrade a building, you can put balance sheets in the palm of someone’s hand, but Credit Unions have to do with people. Part of the reason I joined my CU was because I got better service and support, not because of their website. Get real, people.

    4. Nobody Cares About People – Who sold somebody with this one?

      Gen – Y can, at times, come off a little selfish. But who isn’t? We all want to get the most for our money and the most for ourselves. But one thing that someone had to tell me when I started my account at the CU was this: I own part of a financial institution. I put more into my investment every time I save, every time I borrow, and every time I walk through the lobby. I’m a financial powerhouse, and it only took $5.

      You really want to hook Gen – Y? Explain to them that Credit Union membership means owning your own bank.

    So, what’s the lesson for the day? Well :

    • Social Network friending doesn’t mean anything. I’m friends with people I’ve never met. Odds are, they only friended you to drive up their friendship number or as a novelty.
    • Online services are important, but they’re only one leg on the table. Match, don’t surpass, your online with your over-the-phone, e-mail and personal services.
    • Never lose your focus on PEOPLE. At the end of the day, Gen – Y wants to be treated well by their CU. That matters more than hip-hop and iPods and, yes, even Hannah Montana.


    [EDITOR'S NOTE -- All trademarks and brand names copyright their respective owners]

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    September 5, 2008

    20&Change: What’re Ya Worrying About? [**SPECIAL REPORT: THE JIMMY CHALLENGE CONTINUES!**]

    Filed under: 20andChange,Credit Union News,Marketing,Special Reports — admin @ 12:30 am


    When my dad was 20, he asked my Uncle Allen, his brother-in-law, if he could borrow his brand new car. Allen wasn’t sure, but dad told him he’d be very, very careful. He even went so far as to throw in a “don’t worry”.

    Dad drove Allen’s car into a river.

    My grandmother was mad, but not surprised.

    Which brings me to Gen – Y marketing or, more appropriately, Gen – Y mentality. Lindsey Siegriest from CUTimes Wrote about this just recently (read the article here), saying Credit Unions and other financial institutions should start looking at not just Gen-Y, but “Gen-Z”. That would be Tweens and Teens that are verging on spender status. After all, marketing professionals consider seven to be the start point of Gen-Z advertising – kids of age 11 are considered active consumers (more horrifying stats about how much young people spend can be found here).

    That said, it’s important to remember that Gen-Y is one slice of a $175.1 Billion dollar pie. A large slice of pie, to be sure, but a slice nonetheless.

    In Communication, there is a theory known as the “Two-Step Flow of Communication”. The idea is that there are opinion leaders and opinion followers – followers follow the leader. Still with me? Good.

    Young people, more specifically Gen-Y, look to our parents to give us guidance and help us make decisions. We trust, respect, and admire their decision making skills. And here is where I eat a little crow: I, too, am “Gen-Y-ish” and wanted to get away from my point of origin from ages 14 to 20. But I, too, ask my parents about the big calls I have to make. And I’ve learned from their examples AND their mistakes. Here’s the news that’s not really news: YOUR KIDS WANT YOUR OPINION AND YOU CAN HELP THEM MAKE GOOD INVESTMENT DECISIONS. I don’t need an article to back that up, but here’s one anyway.

    People my age and younger want to know they’ve done the right thing by socking their money away in a checking/savings/investment account. Let them know all the benefits and the differences in their choice of service. I’m not saying that the creative approaches to Gen-Y investing aren’t good – some of them are really extensive (Young and Free, which is in Texas now), some are simple but to-the-point (BankerSpank.com), and some of them are hillarious (WhatTheB.com).

    Then there’s folks like me (you’re reading the article) and CU Tomorrow from Filene (Hi, Ben and the Gang!) and Dane, Elliott and Lydia over at Callahan (they did their big webinar and it was a SMASHING success. Way to go, guys!). We just shout out our thoughts about the way we think and folks seem to get a kick out of it. But as much as you, the “big-wigs” rely on us for insight, remember: we’re looking to our parents to give us guidance.

    THE THREE COMMANDMENTS OF GEN-Y MARKETING:
    Don’t talk down to us
    Don’t waste our time with boring details, and
    Don’t expect us to run right to financial responsibility.

    (last minute fourth):
    And don’t worry…we’ll figure out how to save soon enough.

    That said, it’s time for “The Jimmy Challenge!” How much have I got saved after this past paycheck?

    Drum roll….

    $5! The amount I started with to open my member savings account. It seems that the idea of financial security was less tempting than a Redskins game and a concert…hoo boy.

    Since this is our first time out, I’ll forgo the “What Ron Says” section about how best to invest the amount I’ve got saved. I’ve decided to hang onto this tiny amount and wait until next week, when I’ll have to start…you know, saving money. For real.

    Have any ideas for what I could do with Mr. Lincoln? Send me 5 bucks worth of ideas to blogs@digitalmailer.com.

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    August 5, 2008

    20 & Change: Penny-Wise, Pound-Foolish

    Filed under: 20andChange,Credit Union News,Generation-Y Marketing — admin @ 2:26 pm

    Jimmy Marks isn’t broke, but he’s badly bent.

    There are times when someone makes an over-generalization about people my age and I get my feathers up about it. It’s never good to make sweeping judgements about a group, particularly people my age – we’re all so different, so outstanding. But through personal experience, I’ve found there’s one comment about people my age that’s true: we SUCK at money.

    How much do we know? Most everyone I know gets the whole “work for your money” thing. I was a web designer for a year or so and I made some worthwhile achievements. Then I was a waiter. I’ll leave you, dear reader, to figure out which kept me comfortable and which was a job as a waiter.

    But then, there’s those around me that seem to forget about the whole “bills, taxes, interest” thing. One of my friends admitted to me that their new job was great because their work didn’t take any taxes out of their paycheck (she was technically classified as a contractor).

    “You know they’ll just hit you harder in April,” I said, having played that game before myself.

    “What happens in April?” she asked with a growing sense of concern.

    Which is why it was no surprise to me to see this article from MSN Money. It’s called “Why Generation Y is Broke“, and it presents some startling facts. For instance:

    • 68% of baby boomers are propping up their children financially
    • Average college debt: $20,000
    • Percentage of bankruptcies in the US filed by people ages 25 to 34: 22.7%

    I’ll be the first to admit – I’m not great with money, but I do know when to hang back on the spending and when to go ahead and do what I need to do. Did I get financial planning courses from my high school? Did those lovely years in college prepare me? No – I was simply lucky enough to be the son of the stingiest man in the universe.

    My dad helped me open my first checking account and told me the golden rule of money management: “If you spend all your money, I’ll kill you.” That’s a lesson that sticks with a boy of fifteen. But his guidance has meant all the difference in keeping my head above water financially. He taught me about taxes, property values, investments, assets, and personal finance.

    The MSN article asks a question: Is Gen Y dumb, or just lazy? I wouldn’t go so far as to call us lazy – or dumb, for that matter – just uninformed. A lot of people don’t get how to balance a check book or track purchases. They don’t get what compound interest means. They don’t know how to solve the little crises that pop up in life. According to the article, more and more high schools offer financial planning classes. That’s good news. I personally think that there should be a course that’s all about budgeting your money and tracking spending. People my age (and in general) hate math, but there’s a case to be made in studying practical math – “life math”, if you will. It’s not always just “credit” and “debit”. You should be taught how mortgages work and how to pick out good rates on loans. More than that, there should be a savings segment.

    Emma Johnson, the writer of the article, talks about how Gen Y is a “boomerang generation” - we come back home when we’re supposed to be moving forward. I think it’s more that we’re a generation of “yo-yos”…pardon the phrase. There were any number of articles in the past few years about “helicopter parenting” – that is, parents who hover over their children and try to oversee every facet of their children’s lives. Thus, it’s not that my generation run back toward their parents in times of financial struggle – they just don’t know anything else to do. I think the time has come to pass along a word of advice to my generation:

    1) Your parents are trying to save up for their retirement. They want to turn your room into a gym and re-do the kitchen. Quit bugging them with your money problems.

    2) Invest your money wisely. An iPhone is a toy. It is not an investment. Its value does not appreciate overtime. If the word “appreciate” doesn’t mean anything to you, you don’t deserve toys anyway.

    3) Credit cards are good. They are useful. They are practical. They also have a limit. Don’t go over. And pay them off, for crying out loud.

    4) Keep a checking account. Keep a register for it. Remember what purchases you made by writing them down in the register. Keep your statements in a binder or, if you’re so inclined, sign up for e-Statements which catalog your history.

    5 (and, perhaps, the most important)) If you don’t know what to do and you need financial planing advice, TALK TO SOMEONE AT YOUR CREDIT UNION OR BANK. They make money, too. And they do it by helping doofuses like you and I figure out what to do with our scratch. Let them help you.

    So, it’s here that I have to put up or shut up. If I don’t show that I’m following my own advice, the readers (assuming someone reads my articles besides…well, me) will storm my office with pitchforks and torches and haul me off to be tarred and feathered. So, here it is:

    THE JIMMY CHALLENGE

    I vow to start putting away a portion of my pay each month into my savings account. After six months, I’ll let you all know how much I’ve saved.

    If there’s anyone my age that wants to jump in on this challenge, let me know. I’d love to stack myself up next to some other folks who are looking to get their finances in check.

    Right now, I’ve got $5 in my Share plan. I’ll let you know how much is in there when September rolls around, and ask the people who know (CPAs, financial gurus, etc.) what’s the next step in making my money work for me. That way, when someone says people my age are a bunch of bums, I’ll be able to say “not me”.

    (PS – if there are any people out there who happen to know of programs that teach youngsters responsible spending, let me hear about it. jmarks@digitalmailer.com

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    July 9, 2008

    20 & Change: Dane Coalson’s Article on Gen-Y and Blogging

    Filed under: 20andChange,Blogging,Generation-Y Marketing — admin @ 2:22 am

    Jimmy Marks shines the light on a person who is making it easier for Credit Unions to reach new markets and expand their member base.

    Dane Coalson, Callahan Analyst and all-around swell guy, put forward this great article about Gen-Y and blogging that is well worth your time to read.

    As DigitalMailer’s “blog guy”, I always look for insights about blogging and Web Media. Dane has a lot of good insights in this article that answered a lot of my questions.

    Dane also does webinars about Gen-Y and the CU Industry, so don’t miss out on his future sessions. You can sign up for them at CreditUnions.com.

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    June 25, 2008

    Learning on my Lunch Break


    I popped into DC yesterday (translation: “fought my way through nearly NYC-level traffic while trying not to run over all the joggers with iPods who don’t care that the light-up hand means DON’T WALK”) to have lunch with Lydia Cole and Dane Coalson, the Gen-Y Industry Analysts for Callahan, Inc. They were plenty friendly, taking time out of their day to go to a swanky little pan-asian joint a block or so away – thanks, by the way, to Cafe Asia, for terrific Pad Thai and a very funky atmosphere.

    The things we talked about were mostly resume comparison – they went to different universities than I did (Dane’s a Wahoo, Lydia went to Wellsley), they were different majors (Psyche and American Studies, respectively), and they went through Callahan’s very involved orientation process. In that respect, they learned credit unions from the inside out and then went right into cutting them open like a biology-class frog. A gross analogy, I know, but worth noting because the two of them get credit union’s concerns. They’ve been given a glimpse behind the curtain that very few get, and they really do know how to get that information across to readers. I’m from a much different spectrum – I didn’t even know what a Credit Union was starting out. So, what did I know? I knew about the internet, I knew about where it was going, and I knew what was/wasn’t working for businesses trying to cash in. Beyond that? I find out the answers when the questions come. It’s a learning process for me, and it’s shared by Lydia and Dane, too. They want for their stories and blogs what I want for mine – readership. And they’ve been getting it. I’m envious in a good way.

    It’s strange, thinking that I’ve gotten to the point in my life where college is on the way out and real life is creeping on in. The work I’ve done, the things I’ve tried, what little of that handful of things has succeeded – yesterday, it hit me that all of that has become my experience. The fact that there are two other people in the world that started where I did and made their way to something important is sort of enlightening. For the record, both Lydia and Dane are considered “analysts”, which is pretty big in my opinion…I’m still working on becoming the “Czar” of something, because honestly, what better title is there? But, I digress.

    “You have to learn a lot about the industry,” Dane said, spilling some manner of sauce on his shirt. “We can all bank on our youth as a selling point or point of interest, but better to know the industry and have plenty to say.”

    “That’s true,” said Lydia over her delicious looking fried rice platter. “I wrote an article about the recent upswing in borrowing. It’s been well received.” It’s true – Lydia’s article has, to date, received 535 reads, which is terrific. We talked about a lot of things during our all-to-brief lunch: where’s the best calamari in town; who’s coming out with what Webinars; how we didn’t have internet for the longest time before seeing our first dial-up connection come to life; how we’re all working to make Web 2.0 something that is useful to the credit union industry. But beneath all our crazy ideas and our real-life snippets, the air of dedication. The kind of dedication it takes to believe that what we’re doing is helpful – to people, to the industry, to our companies, to the future and the concept of growth. If we didn’t care about what we do, it wouldn’t just fester beneath the surface and never show. A lack of dedication online means the whole world can see your displeasure. It’s our goal to always put our best foot forward and to do unto the internet what it’s done unto us: inform, inspire, enlighten, and expand.

    Leaving DC yesterday taught me two outstanding lessons:

    1) When planning a trip, know not only where you’re going to go after you’ve parked, but where you’re going to be parking. $14 for a decent garage and I still nearly had a coronary when I thought the valets lost my car in the lot.

    2) Don’t be afraid to reach out to others in the industry that can give you advice, help, and encouragement. Lydia and Dane know what it takes to reach the “youngsters” in the credit union arena. They’re sharp, they’re self-aware, and they’re willing to show you the way. I’d be a fool to think my own experience/the information I gather is enough – I have to rely on the people who really do know the ins and outs of making this business – or any business, for that matter – work.

    Which brings me to DigitalMailer, my “handlers”. They’ve been good sports about unleashing me on the internet like some terrible hurricane because they trust my judgement. I’ve been through the gauntlet of the online world from a few sides now and each trip through has taught me something new and useful. I’m gaining more knowledge every day, finding new ways to pigeonhole it into my work here. In the end, I give them the best I’ve got and they give me a check that’s worth the time it took. How do they get the money for that check?

    Because they do what I do, but on a much larger scale.

    DigitalMailer gives credit unions a look at their experience and their knowledge in the form of hard numbers. They’ve helped credit unions make millions in new loans and new members. Their systems are, quite literally, second to none in terms of dependability, speed, reach and return. There are few, if any, people that do this as well as we do. We learn more about our potential to serve all the time, and we apply that learning to the process of improving and maintaining our systems. It can seem risky to hire an outside company to boost marketing, increase member participation, and increase ROI. But people hire DigitalMailer for the same reason Dane, Lydia and I all wound up with our jobs – they want to improve their relationships with the people that make up their business. In my study of Public Relations, I’ve learned about brand loyalty. The folks that use us do so for one specific reason – there’s nobody better.

    I get the feeling that, barring anyone finds out about my beautiful singing voice and suave, manly looks (are you getting this, Hollywood?), I’ll be at DigitalMailer for a good long while. I’ll keep doing my best to let you know that DigitalMailer is the best at what we do. You just be sure to pay attention.

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    June 5, 2008

    A CEO’s Response to "Face to Facebook"

    Filed under: 20andChange,Generation-Y Marketing,Marketing — admin @ 7:00 pm

    by Ron Daly

    As someone who has been in the business of marketing financial services for quite a while now (tomorrow’s my birthday, but that doesn’t mean you should know how old I am), I got a bit of a chill when the MySpace/Facebook movement came along: I stay in touch with the “new tricks” of the day as best I can, but how does one learn to market on a whole new wavelength?

    As Jimmy discussed yesterday, users – even young adult users – are reluctant to purchase and deal on social network applications. Another article from eMarketer, seen here, shows statistics that prove what I’ve known for a while now: e-mail marketing works. People prefer to deal with businesses via e-mail, and that’s a statistic that goes across a number of age boundaries.

    Numbers still remain low for telephone purchasing/level of appeal. I think the reason for this might just be the reason Jimmy outlined yesterday. Facebook, as I see it, is a lot like telephone. You like to hear from friends and family. Over the phone, however, you can’t find people that have the same interests as you and you can’t join “phone groups” of people who share said interests. That said, the purpose of the two mediums is mostly the same: keep in touch. You might be less than receptive in dealing with a telemarketer (see the “do-not-call” list as proof of that) because they’re taking phone time away from people from whom you’d like to hear. The same goes for Facebook – better to let it be a personal space, perphaps, and let the business be done in e-mail…where some 60% of consumers like to do business in the first place.

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