Only at THINK 18 will you connect and collaborate with world-changing companies and fin-tech revolutionaries who will put you on the inside track to how they are leading the “race”.  You’ll learn the impact these new mindsets and technologies will have on your credit union and how you can adopt your own strategies to keep pace.

Dig into hot industry topics like:

  • The 7 most important strategies for transforming your credit union now.
  • The “new normal” in member expectations and how you should respond.
  • How to utilize AI and machine learning to fight fraud and grow your bottom line.
  • What the ecosystem economy is and why it’s critical that credit unions take part.
  • The most up-to-date trends in payments and security.
  • Registration Opens9:00AM

    Your first stop at THINK 18 – pick up your badge at our concierge desk.

  • Charity Golf Tournament to benefit CMN Hospitals - Sponsored by FIS12:30PM

    Lunch is available from 11:30 am – 12:30 pm

    Optional charity golf event at the Whirlwind Golf Club. Reserve your spot by editing your registration via the link in your THINK 18 registration confirmation email.

    Meet at Porte Cochere

    If you are unable to attend on Monday, but want to participate (or want to golf again on the second course), we also secured Tee Times for Friday, May 11th.

    View the Devils Claw golf course details here.

  • 1:1 Advisor Sessions2:00PM - 3:35PM

    Schedule a complimentary session with a CO-OP subject matter expert across a wide range of credit union topics.

  • Welcome Reception - Sponsored by Visa6:30PM - 8:30PM

    Join us at our Welcome Reception on Monday evening as we kick off THINK 18 – this poolside party will have spectacular entertainment, food and drink!

    Dress: Desert Casual

  • Casual Breakfast Sponsored by Ensenta7:30AM - 8:45AM

    Fuel up for a day of transformative sessions and networking with peers.

  • 1:1 Advisor Sessions7:30AM - 8:45AM

    Schedule a complimentary session with a CO-OP subject matter expert across a wide range of credit union topics.

  • On Your Mark9:00AM - 9:30AM

    Jean Chatzky,  NBC Today Show Financial Editor, financial journalist, author, and motivational speaker

    The world is changing in front of our eyes: Technology, economic models, and consumer behavior and expectations. Jean Chatzky will walk the audience to the data that indicates why all companies, not just credit unions are in a “race to excellence”.

  • Where We Are Headed and Just How Fast9:30AM - 10:10AM

    Nicholas Thompson, Editor-in-Chief, Wired Magazine

    The story of how science and tech will change our lives is one of the most important in the world. Nicholas Thompson, as the Editor-In-Chief of Wired, is working at the forefront of digital innovation. He will provide the latest insights into the Wired Future and how this aligns with the credit union’s paradigm of ‘People helping People’.

  • What is "Excellence" Today?10:10AM - 10:45AM

    Samantha Paxson, Chief Marketing and Experience Officer, CO-OP Financial Services

    In today’s world, where the only constant is change, delivering excellence means more than adopting a set of principles. It requires a new level of leadership that promotes new ways of thinking, engaging, and remaining focused and disciplined amidst constant volatility. How can we lead our credit unions into this future while remaining true to our credit union DNA?

  • Break10:45AM - 11:00AM
  • The Perfection of Precision at Speed: Fireside Chat11:00AM - 12:00PM

    Michael Phelps, the most successful and most decorated swimmer of all time

    Michael joins in the conversation pulling from his experiences in overcoming hurdles to excellence: how spending years on the small details of training and learning to be “comfortable with being uncomfortable” helped lead him to achieve his world record dreams.

  • The Shared Branch Revolution 12:00PM - 1:30PM

    Join CO-OP Shared Branch experts for a plated lunch featuring an update on the current state and future strategy which is sure to revolutionize the network.

  • Casual Lunch12:00PM - 1:30PM

    Enjoy lunch with colleagues, check email or reflect on the morning’s takeaways.

  • 1:1 Advisor Sessions12:00PM - 1:30PM

    Schedule a complimentary session with a CO-OP subject matter expert across a wide range of credit union topics.

  • Utilizing Data to Transform Financial Inclusion 1:30PM - 2:10PM

    Shivani Siroya, CEO Tala

    Shivani Siroya is the founder and CEO of Tala, a mobile technology and data science company that is working to open up financial access for under-served people globally. Tala’s smartphone app instantly evaluates customers for credit using only the data on their devices and delivers customized loans in minutes.

  • The Future of Credit Unions2:10PM - 2:50PM

    Introducing the CUNA Awareness Initiative: how credit unions have to evolve and revolutionize the movement at the same time.

  • Break2:50PM - 3:10PM
  • Power Sprints: Credit Union (R)evolution

    Digital technology has ushered in a new era for the financial world with new companies and categories that continue to challenge the Status Quo. Discover how your credit union can evolve your current services and products while tapping into the revolutionary forces of open platforms, new delivery models and new technologies.

    See the different rooms below for the topics that will be covered in each room. 

  • The Foundations3:10PM - 4:45PM

    3:10 – 3:55pm

    Friction Olympics 

    Brent Dixon

    Are your members’ needs being met as frictionless as possible? Are your credit union’s processes causing unnecessary re-work, inefficiency, and frustration with your teams? When is friction a good thing? Find out at this engaging session.


    Integrating Speed + Excellence into Your CO-OP Experience

    Nick Calcanes, Chief Information Officer, CO-OP Financial Services

    Samantha Paxson, Chief marketing & Experience Officer, CO-OP Financial Services

    Your members demand a better digital experience: so should you. CO-OP’s Chief Marketing and Experience Officer Samantha Paxson and Chief Information Officer Nick Calcanes explain how CO-OP is improving the client experience – and, in turn, empowering credit unions to innovate, transform and grow.

  • The Lab3:10PM - 4:45PM


    Mapping the Member Journey


    Mastercard’s latest research reveals key insights into the member journey today. How are members using your cards? What are their expectations, desires and unmet needs?



    The Future of Banking Operations

    Ryan Battles, Principal, Financial Services, Ernst & Young LLP

    The team at EY delivers an expert view on how operations are changing as financial institutions digitize. What strategies should you consider now to position yourself for efficiency and growth in the future?



    CO-OP Shared Branching Kicks off Network Transformation

    Dr. Kathy Herziger-Snider, SVP, ATM/Debit/Prepaid/Shared Branch, CO-OP Financial Services

    Networks play an important role in the platform economy, and credit unions have the advantage. Dr. Kathy Herziger-Snider, Senior Vice President, ATM/Debit/Prepaid/Shared Branch, explains how CO-OP is taking this concept to new lengths, beginning with an end-to-end refresh of the CO-OP Shared Branch network.

  • The Chat Room3:10PM - 4:45PM


    Open Banking: A New Model for Innovation

    The Open Banking movement is opening up new possibilities for digital transformation industry-wide. By encouraging data sharing and an open API model, Open Banking could fast track innovation and integration in financial services as never before.



    Purpose-Driven in the Digital Age                    

    Social impact is a differentiator for credit unions. Evolving your purpose-driven efforts to fit changing times keeps this important work alive and relevant. Learn more about how credit unions are pursuing – and promoting — their social missions in today’s digital climate.

  • The Studio3:10PM - 4:45PM


    • 3:10 – 3:30 Q&A with CUNA Awareness Speaker
    • 3:35 – 3:55: Q&A with ShivaniSiroya
    • 4:00 – 4:20: Q&A with FotisKonstantinidis
    • 4:25 – 4:45: Q&A with Nish Modi


  • Daily Cool Down and Gift Giveaway5:00PM - 5:30PM

    Evolution and Revolution Can Peacefully Co-Exist: Panel Discussion

    Panel Discussion between keynote speakers, CO-OP Executive and Jean Chatzky to summarize the day and share key learnings.

  • Networking Party - Food Truck Extravaganza6:30PM - 9:00PM

    Join us for a networking reception with our sponsors.

  • Breakthrough Breakfast: How Humanity Drives Digital Transformation7:30AM - 8:45AM

    As credit unions accelerate their digital transformation there is much discussion about when and how but very little discussion about who is moving things forward.  This session will explore the powerful role diversity can play within organizations and examine how legacy firms undergoing a major cultural and operational change can embrace “new” leadership traits to propel success.  Discussion will focus on how digitally transformed companies are designed for speed, agility and adaptability, requiring a shift from traditional hierarchical structures toward models where work is accomplished in teams. Diversity and “non-traditional” leadership traits like generosity, empathy, emotional intelligence and more will contribute to a firm’s success in transforming for the digital age.

  • Casual Breakfast Sponsored by Diebold Nixdorf7:30AM - 8:45AM

    Fuel up for a day of transformative sessions and networking with peers.

  • 1:1 Advisor Sessions7:30AM - 8:45AM

    Schedule a complimentary session with a CO-OP subject matter expert across a wide range of credit union topics.

  • The Art of Transformation9:00AM - 10:00AM

    Beth Comstock, Former Vice Chair, GE

    The world is indeed moving faster, with emerging technologies turning disruptive more and more quickly. How does change seem to come from nowhere, but look inevitable in hindsight, and how can you recognize the patterns that are going to disrupt your business and get there first?

  • Banking as a Platform10:00AM - 10:30AM

    Chris Skinner, Chief Executive, Balatro, world-renowned fintech advisor and strategist

    Banking is becoming a plug-and-play digital ecosystem of interconnected parts and credit unions need to find the right platform/partners to become part of that ecosystem to succeed.

  • The Future of Banking Panel Discussion10:30AM - 11:15AM

    Meet the Press-style panel with Beth Comstock, Chris Skinner and a credit union representative.

    Where the banking world is going, the financial ecosystems and the impact on credit unions.

  • Break11:15AM - 11:30AM
  • The CO-OP Ecosystem11:30AM - 12:15PM

    Todd Clark, President/CEO, CO-OP Financial Services

    How CO-OP’s focus on integration as the key to innovation empowers credit unions to deliver excellence and join a world-class ecosystem.

  • Casual Lunch12:20PM - 1:45PM

    Enjoy lunch with colleagues, check email or reflect on the morning’s takeaways.

  • 1:1 Advisor Sessions12:20PM - 1:30PM

    Schedule a complimentary session with a CO-OP subject matter expert across a wide range of credit union topics.

  • Shareholder Meeting and Lunch12:20PM - 1:45PM

    Enjoy lunch with the CO-OP team as the Board of Directors conducts official business. CO-OP President/CEO Todd Clark will provide an overview of CO-OP’s 2017 results and discuss the company’s mission going forward. Todd and members of the CO-OP Executive Management Team will answer your questions about CO-OP and the road ahead.

  • Dawn of the New Everything1:45PM - 2:30PM

    Jaron Lanier, Microsoft

    We should use artificial intelligence as a way to enhance the human experience, as a tool to provide a clearer picture of the world. VR is the ultimate human-centric technology. All of its hardware is geared toward making a technological world that a human can easily understand and navigate. A positive future combines the benefits of AI and VR with humanity.

  • How AI is Transforming Credit Unions2:30PM - 3:10PM

    Scott Amyx, Managing Partner, Amyx Ventures

    Scott Amyx walks the THINK 18 audience through the lens of a customer journey as s/he interacts with a credit union powered by AI. From chatbots to human like digital assistants (AVA), Outernets’ computer vision technology that turns any windows and surfaces into interactive experiences, Endor’s social physics platform that applies AI predictive data analytics to human behavior, CO-OP’s fraud prevention powered by AI to Digits that converts credit cards and debit cards into cryptocurrency cards for purchases. The AI evolution for credit unions is just beginning. 

  • Power Sprints: Advancing Credit Unions through AI

    How will AI transform how you do business? These crucial sessions are a must attend for any credit union exec who wants to see how machines can help solve real world problems both inside and outside your credit union. This is a unique opportunity to learn from practitioners who are putting AI and Machine learning into practice—making it real and attainable—(including a few of your peers.)

    See the different rooms below for the topics that will be covered in each room. 

  • The Foundations3:30PM - 5:05PM


    Artificial Intelligence Gets Real: AI, Machine Learning and Credit Unions

    Fotis Konstantinidis, SVP of Fraud Products, CO-OP Financial Services

    What current opportunities exist around AI and machine learning? Fotis Konstantinidis, SVP, Fraud Products and Data Scientist at CO-OP, walks us through capabilities that are available, imminent and not-too-distant – and explains what these will mean for financial services in the years to come.



    4 Ways to Make Data Your Best Transformation Asset

    Matt Maguire, Chief Data Officer, CO-OP Financial Services

    Digital transformation offers many rewards: Finally harnessing the power of your data might be the most valuable of all. CO-OP’s Chief Data Officer Matt Maguire shares his strategies for turning the data you have into a powerful tool for security, member experience, efficiency and growth.

  • The Lab3:30PM - 4:40PM



    Data Innovation and the Role of Intelligent Automation

    Ryan Battles, Principal, Financial Services, Ernst & Young LLP

    The advent of AI, natural language processing, machine learning, structured data processing and other smart technologies are shattering previous notions of what automation can do. What is intelligent automation today, and how should credit unions consider using it?


    CU SPOTLIGHT: Elements Financial Takes on Data Transformation

    Chris Sibila, Elements Financial

    Elements Financial is winning the data game. Although true data transformation is a big job for credit unions, Elements proves that it’s also doable. Elements will share its ambitious data transformation strategy, along with step by step information on how they’ve begun executing on it.


  • The Chat Room3:30PM - 5:05PM


    Driven about Data: Making your Analytics Strategy Fly

    Well-crafted analytics are the key to real-time personalization of the member experience. In this discussion, panelists will explore how credit unions and other financial institutions are harnessing their data – and how they’re using new technologies and strategies to reveal member needs as they evolve.



    The Future of AI and Machine Learning Is Now

    Artificial intelligence and machine learning aren’t futuristic technologies anymore. Hear about technologies that credit unions can plug in now – and get a glimpse at where the future might be heading in relation to fraud detection, marketing, credit and risk, member interaction and more.

  • The Studio3:30PM - 4:20PM


    • 3:30 –3:50: Q&A: Jaron Lanier
    • 4:00 –4:20: Q&A: Scott Amyx
  • Daily Cool Down and Gift Giveaway5:00PM - 5:30PM

    The Machine/Humanity Balance: How Can Credit Unions Benefit?

    Panel discussion between our keynote speakers, a CO-OP Executive and Jean Chatzky to summarize the day and share key findings.

  • Casual Breakfast Sponsored by Everlink7:30AM - 8:45AM

    Fuel up for a day of transformative sessions and networking with peers.

  • 1:1 Advisor Sessions7:30AM - 8:45AM

    Schedule a complimentary session with a CO-OP subject matter expert across a wide range of credit union topics.

  • Money & Banking: Rethinking the Banking and Finance Industry One Transaction at a Time9:00AM - 9:50AM

    Thomas Frey, Futurist

    The future of banking will be mobile, happening in devices we carry in our pockets, built into jewelry, and on our wrists, not in fancy office buildings. In less than five years, smartphones, watches, and other devices will replace credit/debit cards, wallets, lenders, stockbrokers, and insurance agents.
    They will even allow us to transfer money around the world instantly, into different currencies, for virtually no transaction fee. Western Union currently dominates the $583 billion a year “remittances” business and collects transaction fees of 9%. Facebook and others are getting into this market with lucrative business models charging only a fraction of that amount.

  • The Future of Payments as a Business within Financial Institutions9:50AM - 10:30AM

    James Wester, IDC Head of Research, Financial Services

    Clearly, the future of payments is an exciting and quickly changing space, with banks and their partners contending with new competition, new technologies, new regulations, and new expectations from their members. As James Wester, IDC Head of Research, Financial Services, explains, the challenge facing the payment market is daunting, but all this change also represents an immense opportunity for credit unions as they look to remain competitive, attract new business, and lower their costs. The net result is a payments market that is faster, cheaper, and better. James Wester will discuss:

    • The issues facing the payments businesses with financial institutions and their technology partners
    • The transformation of payment technology within financial institutions
    • The introduction of new payments networks offering credit unions opportunities to improve margins and remain competitive
    • The changing payment model and how it will absorb and utilize these new networks
  • Break10:30AM - 10:50AM
  • Power Sprints: The Accelerating Payments Challenge

    The transformational shift from physical payments products to digital payments continues to disrupt and change the way members and businesses transfer value. Explore the most impactful new technologies that will affect your credit union now, learn how new advancements in biometrics and IoT are helping to authenticate transactions and mitigate fraud losses, and gain critical insights how your credit union can stay ahead in the ever-evolving payments revolution.

    See the different rooms below for the topics that will be covered in each room. 

  • The Foundations10:50AM - 12:25PM


    Will Blockchain Revolutionize Your Credit Union?

    Tiana Laurence, Managing Partner, Laurence Ventures

    How will the distributed ledger technology in blockchain translate into opportunity for your credit union? Blockchain pioneer Tiana Laurence, author of “Blockchain for Dummies,” explains the basics of blockchain and discusses some of its emerging uses.



    Decoding Cryptocurrency for the CU Movement

    Pam Brodsack, SVP – Application Development, CO-OP Financial Services

    John Buzzard, Fraud & Risk Expert, CO-OP Financial Services

    Tiana Laurence, Managing Partner, Laurence Ventures

    Cryptocurrency has come out of the shadows and into the mainstream. Knowing how – or even whether – to engage with these new forms of money is still a challenge. Learn more about cryptocurrency: what it is, how it works, who’s trading in it and what value might it have to your FI.



    Are Payments the New PFI Indicator?

    Gail Tofil, VP – Strategic Partnership Retention, CO-OP Financial Services

    As digital transactions proliferate, are payments becoming the new driver of primary financial institution (PFI) status? Dive into the trends that are driving this shift with Gail Tofil, CO-OP Vice President of Strategic Partnership Retention. Uncover new ways to optimize experience, engage members, build loyalty and grow.



    CU SPOTLIGHT: Analyzing Your Card Portfolio to Discover Growth Opportunities

    Deb Wieczorek – Director of Advisory Services, CO-OP Financial Services

    Your data can help you identify operational efficiencies, streamline your activities, improve member service and discover growth opportunities. Find out how one credit union, together with CO-OP’s new SmartGrowth portfolio analytics consulting team, is putting its data to work – and how you can follow suit at your credit union.

  • The Lab10:50AM - 12:30PM


    The Future of Payments


    The payments landscape continues to shift. Where is innovation leading to growth? What can card issuers do to stay engaged with their cardholders and capture new markets?




    The State of Debit

    Mercator Advisory Group

    Mercator Advisory Group shares new data on debit and credit unions, based on research collected exclusively for THINK 18. Learn more about consumer and business trends driving debit growth, as well as the impact of innovation on security and usage.

  • The Chat Room10:50AM - 12:25PM


    Nothing to Fear: Security as a Driver of Growth

    Security is a complex proposition, but what members want is simple. How can credit unions manage a wide range of concerns – from cybersecurity to identity theft, authentication, scams and fraud – to deliver effortless security to their members?



    Collaborate to Innovate: Building Strength in Numbers

    Constant innovation isn’t meant to be a solo endeavor. Credit unions can tap into the collective consciousness through smart partnerships, leagues and networks, and collaborations such as CO-OP’s new Co-Creation Councils.

  • The Studio10:50AM - 12:25PM


    • 10:50 –11:10: Q&A with Thomas Frey
    • 11:15 –11:35: Q&A with James Wester
    • 11:40 –12:00: Q&A with Tiana Laurence
    • 12:05 –12:25: Cyber Security Q&A with Paul Love

    Speakers will be announced soon.

  • Casual Lunch12:30PM - 2:00PM

    Enjoy lunch with colleagues, check email or reflect on the morning’s takeaways.

  • Lunch Session: CO-OP Roadmap Review 12:30PM - 2:00PM

    Why attend? CO-OP’s product and technology teams are working hard on your behalf to create the most seamless and secure solutions and experience for both you and your members. Hear from our leaders on what solutions to expect this year.


  • 1:1 Advisor Session12:30PM - 2:00PM

    Schedule a complimentary session with a CO-OP subject matter expert across a wide range of credit union topics.

  • We ARE the Change We Wish to See in the World2:00PM - 2:45PM

    Brian Solis, Award-winning author, futurist and principal analyst, Altimeter Group

    Times are changing, expertise is aging, everyone of us needs motivation to see and do things differently. “Everyone thinks of changing the world, but no one thinks of changing himself.” – Tolstoy.

    Brian Solis helps audiences shift perspective and feel inspired to see the world in a new light as a way of driving change in leadership, work, and personal aspirations.

  • How to Find the Calm Within the Chaos2:45PM - 3:20PM

    Tamara Levitt, Head of Content, Calm

    Today’s turbulent world presents a storm of challenges in our professional and personal lives. In her half-hour talk, titled, ‘How to Find the Calm Within the Chaos,’ Tamara Levitt, Head of Mindfulness at Calm, will reveal three ways that mindfulness help us cope with the stress and turmoil of modern life. Mindfulness offers us present moment awareness, choice, and stability.

  • Break3:20PM - 3:35PM
  • The Power of Moments3:30PM - 4:20PM

    Chip Heath, author of New York Times Best Seller Made to Stick, speaker and professor at Stanford University

    While human lives are endlessly variable, our most memorable positive moments are dominated by four elements: elevation, insight, pride, and connection. If we embrace these elements, we can conjure more moments that matter. What if we celebrate saving achievements of our members? What if we could create experiences that would delight members? How can we make the first day of our employees an event they will never forget? Heath will explain why credit union should focus more on delighting members than not disappointing them. While credit unions are “in the race”, by applying these learnings they can remain true to their DNA.

  • THINK Moments and THINK 19 Reveal4:20PM - 4:45PM

    The THINK Moment

  • Block Party - sponsored by Mastercard7:00PM - 10:00PM

    You’re invited to a Blow Out Block Party in Scottsdale! Guests will be transferred by shuttle busses to enjoy an entire block of  open air bars and restaurants, entertainment, dancing and rides like you’ve never seen before!

    Dress: Desert Casual

    Meet at Porte Cochere 6:30 p.m.

  • Charity Golf Open Play to benefit CMN Hospitals – Sponsored by FIS


    Optional charity golf event at the Whirlwind Golf Club. Reserve your spot by editing your registration via the link in your THINK 18 registration confirmation email.

    View the Cattail golf course details here.