a refreshing approach to mortgage renewal capture

Mortgage renewal time is an opportunity for homeowners to examine how hard their mortgage – and mortgage provider – is working to make the most of their money. Salmon Arm Savings and Credit Union (SASCU)* recognized this. They also recognized mortgage renewal time as an ideal opportunity to deepen their relationship with current members and to forge new in-roads with potential members.

SASCU asked us to help them find a creative and strategic way to reach out to members and potential members about mortgage renewal. We were happy to help.

SASCU is a vibrant, community hearted-credit union that is guided by a promise to provide world class products and services for every phase of their members’ lives. While they can compete on rate and have a wide range of mortgage products for members to choose from, that wasn’t the goal of this campaign. Instead, they simply wanted to find a way to:

  • start a conversation about mortgage renewal
  • empower members/potential members to initiate further contact
  • facilitate a one-to-one ‘mortgage check-up’ with members/potential prior to renewing their mortgage

We worked closely with Deanie Foley Gillespie, SASCU’s Marketing Manager to ensure that the concept would:

  • resonate with the target audience
  • reflect something that staff could get behind
  • differentiate SASCU in the mortgage renewal landscape
  • establish a feeling of relationship rather than ‘sell’

The creative outcome
We chose a very literal spin on the word ‘renew’ to evoke feelings like ‘fresh, clean and possible’ and chose words that would support the concept as well as SASCU’s brand.SASCU_Digital_Display

The strategy
A contest to win a weekend for two at a nearby spa provided incentive for members/potential members to initiate contact with SASCU. This prize reinforced the concept of ‘renewal’ perfectly.

See the campaign in action here and here.


responsive CMS

Managing your site should be as simple as possible. Guided by this philosophy, thirdstream labs is proud to announce the complete redesign of our Content Management System (CMS).

With our newly designed CMS, each section of your site is laid out strategically to allow you to naturally progress through various steps of managing your site. Even a ‘CMS novice’ can easily: 

  • update, add or delete pages
  • edit with an ease and functionality similar to Microsoft Word
  •  add images
  • embed videos
  • create internal and outbound links
  • add keywords to support an SEO strategy

Not only is it simple to use, this CMS is fully responsive. That means that you can use your computer, tablet, phone or any other device that has internet access to make updates to your site. 

thirdstream + Fiserv

What do you get when you put core banking and online member onboarding together? A powerful partnership that will transform the virtual branch as a concept into an absolute reality.

We’re very happy to announce that we have established this kind of partnership with Fiserv.

about Fiserv
Fiserv is a leading global provider of information management and electronic commerce systems for the financial services industry, driving innovations that transform experiences for more than 14,500 clients worldwide. In Canada, Fiserv dominates the core banking industry, serving the banking floor needs of 40 percent of the Canadian credit union community, along with other banks and trust companies.

in perfect alignment
Our partnership with Fiserv is a perfect alignment. It fuses the power of DNA™ core banking with the far-reaching potential of cumulus™, our online member onboarding solution. cumulus™ already makes it possible for people to:

  • join a credit union
  • open an account
  • request a loan or mortgage
  • purchase loan protection insurance

Integrating this with Fiserv DNA™ increases the power of both solutions exponentially.

Keith Ginter, CTO of thirdstream sees this partnership between Fiserv and thirdstream as a natural fit. 

‘With the DNA™ core in place as a proven system, along with the extensibility of the platform, it allows for our tried and true methodology to seamlessly integrate as a complete end-to-end solution.  Furthermore, as we develop new ways to add value to the user experience, Fiserv is there to support us in achieving our goals, and ultimately the goals of our credit union partners and their members.

George Hofsink, Vice President and Managing Director of Fiserv Canada takes this vision one step further, saying,

‘This partnership between Fiserv and thirdstream is the foundation for a virtual institution that is, really, the institution of the future.’

delivering on the promise of the virtual branch
The time has come for a full-service virtual banking experience that not only makes online transactions simple for the user, but also supports a credit union’s internal business processes and satisfies compliance requirements.

Companies like thirdstream and Fiserv have been working hard to find the solutions that can provide this to credit unions and their members for years.

Hofsink says:

‘The promise of the virtual branch that’s been in the market for a decade has consistently fallen short. This has been due in part to supporting vendors not understanding the needs of the FI and consumers not being ready for it, and the technology not being consistent.’

Hofsink believes that this is where the power of the Fiserv + thirdstream partnership comes in:

‘Our two companies working together is what is needed to finally deliver on the promise of a virtual branch. Together, we can combine the technology, member experience and transaction processing engine.Together, we are creating a digital ecosystem for credit unions that works and will generate results.’

taking member onboarding to a whole new level
Christian Clapton, thirdstream’s CEO believes:

Integrating our cumulus™ with DNA™ will take online member origination to a whole new level. Our integrated best-of-breed solution will be so finely-tuned to members’ needs that it will do more than satisfy their desire for a virtual branch. We believe it will lead to the kind of experience that will empower members financially and deepen their relationship with their credit union.’

Hofsink couldn’t agree more.

‘Going forward, we believe that Fiserv and thirdstream can do far more together than either of us could do on our own.’

meet our VP of development

We are very happy to welcome Kevin Anderson to our team. As our new Vice President of Development, Kevin will lead our development team to create a solid code foundation that supports our innovative product offering. He brings 25 years of experience in software development and architecture to our table, including the role of Lead and International Architect for Intuit Quick Books (Canada and UK).

Needless to say, we’re very excited to have Kevin on board with us. His firm grasp on best practices in software development is vast and includes everything from object oriented design and C# to Scrum, LINQ and .NET. All of this, of course, is industry jargon for what it takes to make ‘really great, user-friendly, credit-union empowering’ software’.

In spite of his considerable expertise, Kevin is humble about his many accomplishments. His preference is to put his shoulder – and ample intellect – to the wheel and work quietly alongside our team to create software that makes a different in people’s lives.

You can connect with Kevin on LinkedIn here.

Here are some other cool facts about our new VP of Development.

When did you join the thirdstream team?
May 5, 2014.

What is your role with thirdstream?
I work with the developers and liaise with the other teams and executive to develop world-class software for our credit union clients.

What appeals to you the most about the work you do with thirdstream?
The opportunity to be part of a great team and write software that makes a difference in people’s lives. I especially like writing software that is intuitive and user friendly. It is abundantly evident that thirdstream has positioned itself to make a huge impact in people’s lives and I am excited to help that vision move forward.

Now for the fun stuff

June 22

Barnwell, Alberta. Since you’re probably wondering, it was named after a person and not because there was only a “barn” and “well”. On the other hand, Barnwell was/is pretty small.

Grew up in which decade
I’ll let you know when it happens.

Biggest musical (or other) influence when you were growing up
Dungeons and Dragons and guns. As for music, I really liked Queen, Abba and a bunch of bands nobody remembers.

Favourite tune/band on your ipod right now
Well, according to iTunes it is Sara Bareilles, Van Halen and the Glee Cast but my musical interests vary widely. I would have to say that right now I have been enjoying Pentatonix and old 80’s music.

Huge fan of
Science fiction and fantasy, technology and Crossfit.

Family you’d like to mention? (kids, spouse, etc.)
My wife and I have four children – 3 girls and a boy. Only my youngest (my son) should still be at home but they are all still there. We do have a dog but he is psychotic and only likes my wife.

Other Hobbies/Interests
Gadgetholic, photography, hiking

Favourite Beverage
Strawberry milkshake or root beer float

Greatest inspiration
Thomas Edison

Greatest achievement (so far)
My family, of course. They’re the best.