Solving the Credit Union Demographics Problem


Solving the ageing Credit Union demographics problem through innovation

Learning Outcomes

  • Understanding the key principles and concepts of digital transformation, such as the impact of emerging technologies, the importance of data, and the need for customer-centricity.
  • Understanding the characteristics and preferences of Generation Z as a consumer group, including their digital habits, values, and attitudes towards brands and marketing.
  • Familiarity with the key marketing channels and tactics that are most effective for engaging Gen Z, such as social media, influencer marketing, and user-generated content.
  • The ability to create content and messaging that resonates with Gen Z’s values and interests, such as authenticity, diversity, and social impact.
  • Understanding the importance of mobile-first design and optimization for Gen Z, including responsive web design and mobile apps.
  • Familiarity with the latest digital marketing tools and technologies that are relevant for targeting Gen Z, such as chatbots, augmented reality, and gamification.
  • The ability to measure and analyze the effectiveness of marketing campaigns targeting Gen Z, including metrics such as engagement, conversion, and customer lifetime value.
  • Understanding the role of social media influencers and user-generated content in Gen Z marketing, and the best practices for partnering with influencers and creating engaging user-generated content.
  • The ability to evaluate and select the right digital tools and technologies required to develop a Gen Z-focused marketing strategy that aligns with the brand’s values and business objectives.
  • Familiarity with the legal and ethical considerations in Gen Z marketing, such as data privacy, brand safety, and transparency.
  • Understanding the evolving trends and future directions in Gen Z marketing, such as the rise of micro-influencers, the growth of social commerce, and the impact of emerging technologies like virtual reality.
  • Understanding the impact of digital transformation on various business functions, such as marketing, sales, operations, and customer service.
  • Understanding the importance of agile methodologies and their role in enabling digital transformation.
  • The ability to identify and overcome the common challenges of digital transformation, such as resistance to change, lack of skills, and cultural barriers.
  • Familiarity with best practices for digital transformation, such as designing a digital strategy, creating a roadmap, and measuring success.

Who Should Attend?

The course is designed for Credit Union stakeholders from board of directors to C-Suite executives, senior managers, managing directors, heads of departments, frontline staff, customer service teams, HR departments, compliance teams amongst others.

This programme is ideal and essential for Credit Unions that want to safeguard their future, attract new and younger demographics whilst exciting and creating value for its core members.

“The programme is structured to empower participants with the relevant skills via taught lectures, practical workshops and real-world case studies.”

Programme  Outline /Module Breakdown

Identifying The Credit Union Members of the Future

  • Who 
  • Who are they?
  • Who are their influencers & friends?
  • Who is in their network?


  • Where
  • Where are they?
  • Where do they spend their time?


  • What
  • What content do they consume?
  • What is their motivation?
  • What technology or platforms do they use
  • What motivates them to evangelize, influence their friends and advocate for the credit union?
  • What do they know about finance?


  • Why & How
  • Why do they take loans?
  • Why & How do they save?
  • How do they engage and consume content?
  • How do they behave?

Developing Effective Strategies to attract Millennials and Gen Z:

  • Embracing Technology: Building Digital Banking Platforms for Gen Z
  • Creating Personalized Experiences
  • Enhancing Social Media Presence
  • Building & Involving Communities
  • Financial Education
  • Product Differentiation through Innovation
  • Flexible and Convenient Services
  • Leveraging Influencers
  • Embracing Social Responsibility & Causes

Introduction to Emerging Technologies

  • Artificial Intelligence in Financial Services
  • Open Banking
  • Blockchain & Cryptocurrencies
  • FinTech platforms
    • Payment platforms
    • Investment platforms
    • Savings & Loans
    • Marketplaces 

Credit Union Member Hyper-Connectivity

Advancements in technology have made mobile devices easily accessible. Mobile devices have facilitated the proliferation of social media and digital platforms, in turn shaping up the modern customer into a hyper-connected consumer. You will learn the characteristics of the hyper-connected member and understand how mobile innovation can add value at each touch-point of the member’s buying journey.

Digital Transformation for Sustainable Growth

This module explores the 5 domains of digital transformation necessary to build a credit union for members of the future:

  • Members
  • Competition 
  • Data
  • Innovation
  • Value

Practical Workshop: Creating & Implementing a NextGen Credit Union Digital Strategy

Training Benefits & Return on Investment

  • Increased Revenue, Reduced costs:

    Digital strategies deliver a higher ROI than other traditional forms of operation, mainly by generating higher conversion rates in relation to initial costs. A well-planned and implemented digital strategy can significantly improve revenue and reduce operational costs.

  • Improved Real-time Customer Services:

    Through daily active engagement, organisations can respond quicker to customer requirements and through data analysis, gain valuable insights that aid smarter business decisions.

  • Improved Competitive Advantage:

    Digital platforms level playing grounds for credit unions as the cost of participation is relatively low or FREE. It keeps you at par with banks and other financial institutions, allowing for keen competition. With social media platform monitoring you can gain key information about your competitors, allowing you to make strategic business decisions.

  • Reach a new customer base:

    Gen Z is the largest generation in history, and they are entering their prime spending years. By developing a digital strategy that caters to the preferences of Gen Z, credit unions can attract and retain younger members who might not have considered them otherwise.

  • Increase engagement:

    Gen Z is a tech-savvy generation that expects a seamless digital experience from the brands they interact with. By developing a user-friendly digital platform, credit unions can increase engagement with younger members, who are more likely to be active on social media and other digital channels.

  • Build loyalty:

    Gen Z is more likely to choose a brand that aligns with their values and offers a personalized experience. By creating a digital strategy that emphasizes social responsibility and personalization, credit unions can build loyalty among younger members, who are more likely to remain loyal to a brand they feel connected to.

  • Improve efficiency:

    By developing a Gen Z focused digital strategy, credit unions can automate processes and reduce manual tasks, which can save time and resources. For example, implementing a mobile app for members to access their accounts and make transactions can reduce the need for in-person visits and phone calls, freeing up staff time to focus on other tasks.

Digital Transformation Case Studies

Guyana Public Service Credit Union (GPSCCU)

Prior to 2017, GPSCCU never actively utilised technology or digital platforms.

As a result, they had some challenges; the same challenges faced by many credit unions today. These include: ageing membership, low number of active members, long loans processing times, defaults in payments, limited branches & geographical restrictions, poor customer services, environmentally unfriendly “paper-based” modes of operation, difficulty in managing savings & loans accounts in real-time, just to name a few. 

We realised that almost all of the above could be addressed by incorporating effective digital Strategies and technology platforms towards value creation.

Today, GPSCCU has a digital presence with over 11,000 followers on social media where they actively service their members. They also now have an effective website.

Watch the video and visit for more.

Feedback & Testimonials from Participants

Course Details

Dates & Times:

16th of May, 2023

11am – 5pm EST (St Kitts and Nevis time)

Course Fees:

$550 USD per person (early bird)

($750 standard price)

Register for Training:

Contact Info:

Contact Person: Victor Samuel, Rhics Ltd


Phone: +44 740 123 2309

Whats App: +44 7750 301 221


About The Faculty

Christian Junior

Mr. Christian Junior is an award-winning international speaker and trainer who is passionate about human capital development and value creation through technology. He is the Founder & CEO of RHICS, an international Digital Agency headquartered in London, UK. He has over 10 years of practical experience in the Information & Communication Technology industry.

Christian, a double Oxford university certified Digital Marketing & Fintech strategist has consulted for multiple international clientele on various IT projects.

A firm believer in knowledge & skills transfer, Christian, travels around the world educating business leaders on cost-effective IT strategies for achieving excellent customer service, brand awareness, maximum productivity, and profitability. He has trained and influenced over 1,000 business owners across 10 countries in Europe, Africa & The Caribbean.

Christian has led conversations on Credit Union value creation through technology at The World Council of Credit Union & The Caribbean Confederation of Credit Union Conventions.

He was recently featured in the Financial Times 2019 list of UK’s 100 most influential Black, Asian and Minority Ethnic (BAME) leaders in tech.

About The Organisers

Rhics Technology

Rhics is a creative digital agency headquartered in London, UK with branches across 4 continents. We specialize in Digital Strategy, IT Consultancy, Cyber Risk Management, Digital Marketing, Social Media Management, Mobile & Web Application Development, Design & Branding.

We have a proven history of creating online success for global organizations via our suite of services offerings. We help define your goals, create effective strategies, build easy-to-use applications, and design award-winning systems that communicate the desired message.

Our process unites talent & passion with discipline.

We are committed to providing affordable Digital Transformation education to the world.