AI & Innovation
AI risk is everywhere. Yours is somewhere specific.
Everyone is writing about AI risk and almost none of it is about your business. That gap is why we built the AI Disruption Index.
9 Sept 2026
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Business Strategy
"We love you, but you suck at banking": How one credit union CEO turned this loyal complaint into momentum & modernisation
Refreshingly honest member feedback that proves the real risk for the rest isn't disruption. It's standing still.
24 July 2026
Business Strategy
The top 3 themes that dominated the World Credit Union Conference 2026
I spent four days in Sydney with the global credit union movement. These are the three ideas that should be shaping every leader's strategy right now.
24 July 2026
Business Strategy
"High-signal thinking is a contact sport": Holly Ransom's performance playbook
At the World Credit Union Conference in Sydney, the global leadership architect gave leaders three moves in her own words: "design for collision," "focus on your catalytic move," and "regulate what keeps performance beating."
21 July 2026
Business Strategy
For customer-owned banks, modernisation doesn't start with technology. It starts with strategic intent.
At the World Credit Union Conference in Sydney, Dnister Bank CEO Ashley Hood summed up the panel's view of modernisation in one line: “An ecosystem isn't something you just buy, it's something that you shape.”
20 July 2026
Business Strategy
The Hon. Julia Gillard to the world's credit unions: "Cooperation over competition"
Australia's 27th prime minister opened the World Credit Union Conference with a warning and a reminder: efficiency alone makes systems brittle, and the credit union movement already holds the antidote.
20 July 2026
Objective-led GRC
Busy, but not connected: What 67 per cent of risk leaders told us in our 2026 survey
Our 2026 survey found 67 per cent of risk leaders are only somewhat aligned to business objectives. Here's the cost of that gap, and what comes next.
30 June 2026
Risk Management
The member your credit union could have saved, and the data that would have told you
AI gives credit unions the signal to help members before harm lands, turning the founding promise into measurable retention and referral.
30 June 2026
Risk Management
Inclusive AI underwriting: Is this the year credit unions win the loan book banks won't touch?
AI changes the maths on inclusive lending, turning fairly-priced credit for wrongly-declined members into measurable loan-book growth.
30 June 2026
Risk Management
Your core banking platform just got a co-pilot your credit union never hired
AI is layering new failure modes onto an old concentration risk, and the fix is three questions, not a re-platform.
30 June 2026
Risk Management
AI didn't reduce your credit union's workload. It changed its shape
AI is reshaping service capacity from a volume problem into a cognitive-load one, and offering the way out at the same time.
30 June 2026
Risk Management
Your credit union's membership numbers look fine. That's the problem
The neo-bank risk a credit union least expects is not the members who leave. It is the ones who stay while their real financial life moves somewhere else.
30 June 2026
Risk Management
The 9pm chat that could cost a credit union a member
AI is the most disruptive risk on a UK credit union's register right now, and the same tooling is its strongest answer.
30 June 2026
Business Strategy
Retrofit lending: A loan book opportunity for credit unions, where the common bond is strongest
500,000 homes to retrofit by 2030, grants on the table, and a member who needs a loan to bridge the rest. This fits the common bond exactly. AI is what makes it scale.
19 June 2026
AI & Innovation
The same sound decision, by lunchtime: AI underwriting as offence for credit unions
AI-augmented underwriting compresses a sound mortgage decision from weeks to the same morning, with the explainability intact. This is a way to win, not a risk to manage.
19 June 2026
Risk Management
AI-augmented fraud: The threat to credit unions is not new, but the speed is
Synthetic identities in under twenty minutes, cloned voices, mule recruitment at scale. The risk is not a new category of fraud. It is your existing controls facing an attacker who has outrun them.
19 June 2026
Regulatory & Standards Compliance
AI, DORA and the Consumer Protection Code: A readiness question for credit unions, not a fire drill
The regulatory direction on AI is forming, not falling. The work is to prepare calmly through a known horizon, with evidence, before a supervisor asks.
19 June 2026
Risk Management
For credit unions, the mortgage constraint was never permission. It was speed.
Credit unions have held the powers to lend on homes for years. The risk now is not whether they can, it is how long they take, against a pillar bank that decides in two days.
19 June 2026
Risk Management
Revolut and the under-35 member: A structural risk for credit unions, not a churn problem
Revolut has reset the under-35 default in Ireland. The risk to a credit union is failing to acquire the next generation, not losing the current one.
19 June 2026
Regulatory & Standards Compliance
5 hard AASB S2 truths that most Aussie CFOs aren't ready for
Five realities about AASB S2 that catch Group 2 CFOs off guard - who really owns it, why proving it is the work, why lenders are already waiting for it, and how Year 1 sets the baseline for every reporting cycle that follows.
5 June 2026
Regulatory & Standards Compliance
AASB S2 will reshape financial reporting more than most CFOs realise
AASB S2 is a finance and governance obligation, not a sustainability exercise. Why mandatory climate reporting belongs on the CFO's desk before 1 July 2026 - and what finance-led disclosure looks like in practice.
11 May 2026
Governance & Reporting
Five lessons in modernising Board and Committee risk reporting
What changes when you start pulling the Board pack from system data? We ask Emma Brown, Chief Risk and Compliance Officer at Laboratories Credit Union.
11 Mar 2026
Objective-led GRC
Risk culture vs. objective-led culture: What are you really optimising for?
A strong risk culture builds awareness, but an objective-led approach turns governance into prioritised, owned action that keeps the business moving.
24 Feb 2026
Regulatory & Standards Compliance
ASRS is more than emissions: How finance teams can lead the climate conversation
ASRS moves climate reporting into finance. CFOs now own governance, risk, controls and evidence, so emissions reporting becomes defensible and decision-ready.
11 Feb 2026