231 - Banking, branches
The future of branches: reinvention, Mary Beth Sullivan.
BAI Banking Strategies, June 24, 2011.
Rather than simply reduce branch networks in the face of cost pressures, banks should reinvent their branches to build new sources of revenue.

232 - Cards
As card use slows, retention strategies gain importance, Kate Fitzgerald.
American Banker, June 21, 2011.
As credit card use slows in certain sectors because of tightened budgets and risk avoidance, many issuers may find they lack consistent retention strategies.

233 - CEOs
The CEO as captain, Karen Bankston.
Credit Union Management, May 2011.
For a credit union growing through mergers, the CEO as captain must oversee both cultural adjustments and the efficient entry into new markets.

234 - Credit unions
A financial spa for high net-worth clients, Olivia Li.
Investment Executive, November 14, 2011.
North Snore Credit Union's branches include art galleries, Japanese screen doors and concierges offering hot towels and cappuccino.

235 - Delivery channels
Assess your delivery strategies, Terrence Roche and Tim Daley.
Credit Union Management, September 2011, 44-46.
As credit unions begin this year's strategic planning process, one of the key topics that will have front and centre status is creating a comprehensive and cohesive channel management strategy.

236 - HR
The millennials: a new generation of employees, a new set of engagement policies, Jay Gilbert.
Ivey Business Journal, September/October 2011.
Millennials are the largest age group to emerge since the baby boomers and as this group grows significantly as a proportion of the workforce, employers will have to make major adjustments in their engagement models.

237 - Marketing, digital
Digital display: finding payback, Walt Albro.
ABA Bank Marketing, July/August 2011, 12-17.
Digital will dazzle your lobby customers and probably boost cross-sales, but can you justify the upfront costs in terms of ROI?

238 - Performance management
Organizational health: the ultimate competitive advantage, Scott Keller and Colin Price.
McKinsey Quarterly, June 2011.
To sustain high performance, organizations must build the capacity to learn and keep changing over time.

239 - Pension plans
Realigning Canada's three-tiered system, Fred Vettese.
Benefits Canada, December 5, 2011.
The trend toward de-emphasizing age 65 has been in place for a number of years now. Does "normal" retirement age even exist anymore?

240 - Risk management
Fight fraud with enterprise fraud management.
Credit Union Magazine, June 24, 2011.
Credit unions should stop 'silo monitoring' fraud within each product area and move to monitoring fraud detection across the whole business enterprise.