Is social media an effective tool to gain new consumer insights, improve underwriting, and indicator of the likelihood of repayment in the underbanked space? Explore the answers to these questions along with the latest consumer research on the use of social media by underbanked consumers (hint: it's high!). Also discuss the legal and ethical challenges in using social media for credit decision making.

As financial services go from online, to mobile, to the cloud, new technologies are enabling a radical transformation of the retail banking experience that will favor a simple, integrated user experience. Will these new approaches increase access for those who have opt-ed out of the banking system? Will they help consumers spend, save, and borrow better? Can they help banks regain lost trust with consumers over the past several years? Discuss the changing landscape and hear from leading innovators that are re-imaginging the banking experience.

This in-depth session with feature case studies of two innovative credit unions that have recently launched very different strategies for reaching underbanked consumers where they are, which often means thinking outside the traditional branch. Participants will get a first hand look at the critical business, product design, marketing, vendor, and organizational strategies involved and hear about initial results.