ICYMI: In case you missed it

In case you missed it (Vol 9)

Mysterious FICO scores, a spam & hacker tools company on Facebook – which is building a new universe – and apparently millennials have attitudes. Go figure. Here’s what we’ve seen recently that you may have missed:


Why FICO Scores are up by Dinny Lechman, has some interesting news detailing why the average FICO score jumped 7 points in 2020. But wait… Consumers have an overly rosy view of their credit scores is the article right next door, by Matt Carpenter. So which take on FICO is the right one? Both, of course; FICO scores are far too mysterious to consumers, even though they have a profound impact on so many aspects of daily life. Credit unions are doing a lot to de-mystify consumer credit, but there’s still a lot of work to do.

Facebook’s future is Meta

In a recent earnings call, Mark Zuckerberg claimed that Facebook will be evolving, moving from simply dominating social media to helping to build the metaverse, “a virtual environment where you can be present with people in digital spaces.” It’s “an embodied Internet that you’re inside of rather than just looking at. We believe that this is going to be the successor to the mobile Internet.” Quite an audacious statement coming from the CEO of a company that is currently facing legislation that may break it into smaller pieces. Still you gotta give him credit for having a vision.

Spam Birthday Cake

This article from Krebs on Security on a prolific spam and hacker tools company called “FudCo” (Krebs is a great newsletter on cybersecurity issues; worth subscribing) is a wild ride, but the funny part is the “FudCo” birthday cake on Facebook. Then again it’s also not very funny when people this bad at operational security still have not faced any enforcement.

Marketing and Finance are supposed to work together.

At least if you want to get good results from Google Search. Let’s face it, the culture gap between marketing and finance is often a barrier at most companies. When they collaborate, Google says that relationship is great for growth. But when they don’t, that disconnect can really limit the results. If your Marketing and Finance teams are considering/arguing about paid search, this should be worth the read.

Millennials’ attitudes changed during the pandemic

This article from CUNA news has some great info for credit unions on how Millennial attitudes changed during the pandemic. Here are some of the takeaways: Safety and security have become even more important to consumers, as evidenced by their search data. They also highlight the importance of a digital first strategy, as credit unions remain “more human, but less digital” in their eyes.

Get weird to innovate

Go find some weirdos is one of my favorite articles from our blog. Stuck for ideas? Tired of the same old same old? Get to know the folks on the fringe. If you can delight them, then maybe you can bring something back to delight all those “regular” people too. 

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