What would the most aggressive, disruptive model for API extensions in the CU marketplace look like? How could it work in a way that even a de novo credit union could become a builder of solutions should they choose? I NEED YOUR HELP!
We must influence the path of our industry’s participants to return to building solutions with customers, and help them reignite a spirit of cooperative entrepreneurialism for solutions that fit our opportunities. We must move away for the ideas of BUY over BUILD where buying means that solutions are set by others. Our industry is trying to AFFORD the solutions of others instead of building the solutions with our owners. When the average CU says they need to complete a BUILD or BUY assessment for their way forward, too many organizations have become paper tigers, and BUY is the constant default.
Our examiner community does not encourage CUs to own ideas, to own their execution, and to own their own statements of warranty any longer. They almost demand that we outsource idea management to others, we cover (CYA) our warranties with the backstop warranties of others, and we simply mind the stores instead of design, run, and evolve them.
In 2016, we must, if only through this effort, signal that the spirit of “I can do that better, I should rally my peers to the effort” is vibrant and alive in this network like never before… maybe it could be contagious.
HELP: You need to help me gut check this effort. I need your marketplace awareness to help me craft the solutions, explain the pricing, and promote a competitive stance; so if you think someone is already doing this, let me know. If you think there is an effort to emulate, let me know. If you have an idea on how this should work, let me know!
I could be wrong, maybe people do not really enjoy building better mousetraps anymore. Maybe there are no more customers of ideas out their that really feel like they should own them. But I doubt it… so tell me why I’m wrong!