AGENDA

Join us for a stunning opening night Welcome Reception on the beautiful grounds of the Loews Miami Beach Hotel! Take in the beautiful sunset over the ocean, grab a cocktail or mocktail, and mingle with other owners and attendees.

Join us for breakfast to fuel yourself for a day of learning and networking!

The Roaring 20s are back. Chaos, recession, inflation, conflict, "The Grand Reprioritization," AND your biggest window of opportunity!

The Renaissance period emerged from the bubonic plague. The Roaring 20s were a product of the Spanish flu. Consistently throughout history, periods of crisis lead to periods of chaos and opportunity because people start to reprioritize what is actually important. This leads to 13 tensions and what we call, "The Grand Reprioritization." Are you ready? You could turn 2023 into the greatest opportunity of your lifetime!

Strategic Growth: Trend Hunter | MDC Connect

Welcome to Miami Beach! We are excited to see our owners, speakers, sponsors, and guests. Buckle up! Over the next day and a half, we will share what MDC is doing around innovation, research, projects, and solutions. Plus lots of networking opportunities with other MDC owners over great food, drinks, and sunshine!

Check out more about MDC: MDC Team, Board of Directors

Sip a coffee and eat a treat while chatting it up with Co-op Solutions - learn what’s new and exciting. We’ll see you back after the break!

This session is the foundation for the rest of our time together as we:

• Highlight VOC
• Look back at the portfolio of projects completed in 2022
• Provide updates on other projects not on our agenda
• Invite you to engage in upcoming projects

Homework: Review MDC’s project strategy pages on MDC Connect

IFTF and MDC have partnered over the last five years on a number of successful foresight projects, including:

• Comprehensive set of future scenarios and accompanying videos
• Foresight toolkit for owners
• Series of foresight trainings to inform strategic thinking for leaders in the credit union industry
• Mid-pandemic update on the original scenarios through emerging signals

Given the continued transformative changes within technology, politics, culture, and elsewhere, we conducted a new scan of signals to provide a clearer lens on the trajectories of change and to identify new topics emerging on the horizon. Hear from the research team consisting of MDC Owners and IFTF Futurists to learn more about their discoveries!

Project Update: Signals Scan 2022 | MDC Connect

Join the group for lunch and mingle with other owners and attendees. Enjoy!

The metaverse is a conceptual next-generation version of the internet that consists of shared 3D virtual worlds where people can interact, trade, play games, and more. Join this session to hear about:

• The status of the metaverse since our last owner meeting in August—the good, the bad, and the ugly
• Horizon Workrooms! Our Advisory Team has been exploring metaverse for meetings— learn about the fun we have had and what we have learned
• Potential next steps and recommendations

Emerging Technologies: Metaverse | MDC Connect

Refuel with a splash of coffee or snack on the way to your breakout sessions!

As we are reimagining the future of the credit union industry, we must tackle a vital question: How do we provide financial services to our members based on their needs and wishes rather than our credit union's balance sheet? Our ability to offer and sell loans and take or slow deposit growth should not be limited by how much our balance sheet can grow or by our capital position. If our funds flow more fluidly, we can remove balance sheet constraints and serve our members.

This project team has narrowed its short-term focus to acquiring loans. They have evaluated various loan platforms, lenders, and fintechs who can identify (or build) an aggregated ecosystem to recapture loans and members. The project is now at the build stage, and working towards piloting software partners and raising capital for a new CUSO. Hear the latest updates as we prepare to deliver a final business plan!

Strategic Growth: Balance Sheet Marketplace | MDC Connect

Discover practical applications for two key areas of the Humanizing Digital Framework—User Experience and Hyper Personalization. Learn how you can focus on these two areas to benefit your organization and deliver the best possible member experience. Tim will also share relevant, real-life examples from Americaneagle.com’s clients. This session is an excellent foundation for MDC’s Humanizing Digital workshop in March that will provide hands-on training for User Experience Analysis and Personalization Analysis and Planning that your team can leverage to accelerate your Humanizing Digital journey.

Total Experience: Humanizing Digital | MDC Connect

Instinctive banking combines AI and autonomous banking to elevate a consumer’s ability to achieve financial goals and better manage finances. Focusing on what consumers want to achieve financially, instinctive banking automates the areas where consumers don’t want to spend time on due diligence, complex thought, and planning. In this session we will explore instinctive banking and demonstrate a proof of concept that brings it to life.

Total Experience: Instinctive Banking | MDC Connect

We hope you enjoyed the breakout sessions. Now fill out your surveys, take a power walk, re-caffeinate, and we'll see you back after the break!

The world is going to see more economic change in the next five years than we have seen in the last 100 years. The war in Ukraine is a great example of the speed of change and the disruption that can happen to the global economy. And foundational AI, blockchain, and co-bots are just a few of the extraordinary tools being leveraged right now to help businesses overcome, adapt, and thrive. Are you ready for the changes ahead? Explore how innovation, policy changes, and societal shifts drive opportunities.

Join us for cocktails, dinner, and more mingling with your fellow meeting attendees all while taking in the sunset ocean views! This evening is a great opportunity to take your teams out following the reception. The Owner Meeting resumes tomorrow morning with 8am breakfast and speakers starting at 9 am.

Join us for breakfast as we kick off Day 2 of the Owner Meeting!

How Fintech is transforming Primary Financial Institution to Primary Financial Interactions

In the ever-transforming battle for customers/members, fintechs seek to be the new rulers of the banking universe. And the tides have turned in their favor. From 2019 to 2022, digital banks had the largest growth rates of primary relationships. Now, for the first time ever, more consumers in the Gen Y and Gen Z age groups name a digital bank as their primary institution than all community banks and credit unions combined!

• Experience live demonstrations of the banking apps that are moving the definition of PFI to Primary Financial Interactions and changing consumer attitudes and banking behaviors.
• Learn about the evolution of AI-powered chatbots, such as Erica from Bank of America, and understand how they are reducing complexity in the basic user experiences of mobile banking.
• Examine challenger banks like MoneyLion, with unique fintech features designed for low-income designated segments with friendly subscription pricing strategies, instead of the penalty-based fee structures that dominate traditional banking.
• Explore the intersection of retail and payments with Amazon One, an innovative new merchant payment system from Amazon that uses a person’s palm to reinvent the shopping and payment experience.

The secret to customer/member growth will lie in understanding the changing role of banking products in the financial lives of today’s consumers!

Imagine a credit union model designed to be as compelling as the industry competition. Big Banks can outspend us. Corporate Banks can out scale us. Fintechs can erode the fringes of our business. We need a flexible, effective way to compete and win. Our project team will provide an update on the Strategy Council’s progress since our last discussion.

Total Experience: Credit Union of the Future | MDC Connect

Sip a coffee and eat a treat while chatting it up with your fellow attendees. We'll see you back after the break!

Everything is moving so fast in this space…what’s the latest?

• Project Update: What has the project team been up to?
• Consumer Trends on Adoption Rates: What are consumers looking for in a financial institution partner?
• Competition: What are the big banks and fintechs doing? What services are they offering?
• Regulatory: What is the Biden administration’s position / latest developments on crypto?

As a former senior editor at Forbes, Laura Shin was the first mainstream reporter to cover crypto assets full-time.

She is also the host and producer of the popular blockchain and cryptocurrency podcast, “Unchained,” where she interviews the top minds from the crypto world. Laura is known for her confidence in asking tough questions and her ability to distill complicated crypto concepts into an unbiased, accessible narrative.

Emerging Technologies: Cryptocurrency and Digital Assets | MDC Connect

Thank you for joining us for the Winter Owner Meeting. Don’t forget to fill out our 30-second feedback survey! We truly appreciate your feedback. Don’t forget to save-the-date for the Summer Owner Meeting on July 31-August 2!

Need to catch a flight but need a little something on the way to the airport? Or maybe you're heading out to the beach for some sun? A "Grab & Go" lunch is available on your way out of the meeting room… you choose what you want, pack it up, and enjoy!