State

Washington

By Sharon Simpson | Aug. 10, 2020

A Pacific Northwest credit union shares lessons it learned during its eight-year journey taking a holistic view of diversity, equity, and inclusion.

By Aman Johal | Aug. 10, 2020

Which credit unions led the nation in the number of Paycheck Protection Program loans funded?

By Marc Rapport | July 20, 2020

Our Community parsed ACH data to identify errors in routing numbers. Then, it helped members correct the numbers to ensure the timely delivery of coronavirus aid.

 

Is Your Inbox Missing Out?

Sign up for the CreditUnions.com free newsletter and be the first to read our newest coverage of credit union strategies and insights.

sign up today

 

 

By Marc Rapport | June 29, 2020

Rate locks and staffing boosts are two ways credit unions are pushing through mortgage applications in today’s ultra-low rate environment.

By Marc Rapport | June 15, 2020

Responding to the pandemic is helping this Evergreen State cooperative test its appetite for risk and its ability to adapt.

By Callahan & Associates, Inc. | May 21, 2020

Join Tom Berquist, marketing and co-op affairs for BECU ($22.7B, Tukwila, WA), for a discussion about how the credit union defined its purpose and strategic direction.

By Sharon Simpson | May 4, 2020

A special team at BECU delves into digital to tackle user experience at the big cooperative.

By Marc Rapport | April 6, 2020

Plastic with contactless chips were being rolled out slowly. Will it become an avalanche?

By Marc Rapport | March 18, 2020

A first mobile deposit begins a shift for many a member across the country as digital replaces physical in a pandemic’s wake.

By Marc Rapport | March 16, 2020

BECU, Logix, CommunityAmerica, and MSUFCU share insight on their response and how they’re planning for the unknown.

By Callahan & Associates, Inc. | March 10, 2020

Join Callahan & Associates and Kirkbride for a discussion about WSECU’s transition from waterfall to agile project management in an effort to improve the member experience.

By Erik Payne | March 9, 2020

A reorganization to the senior leadership team in 2019 has had a positive, powerful impact at TwinStar Credit Union.

By Marc Rapport | Feb. 17, 2020

A committee approach allows the Washington cooperative to manage to an appropriate risk level while being a champion for members’ financial well-being.

By Erik Payne | Jan. 14, 2020

STCU’s business and commercial services department is working to provide a full relationship that takes into account deposits and other needs as much as loan balances.

Feature
Best Of HR 2019

By Rebecca Wessler | Dec. 30, 2019

Five popular pieces cover a range of HR challenges, from bringing talent through the door to helping them work outside of it.

By Rebecca Wessler | Dec. 30, 2019

Five articles from the past 12 months offer best practices, insights, and tips for making the most of business intelligence in 2020.

By Rebecca Wessler | Dec. 23, 2019

Credit unions across the country are deploying creative solutions to engage members and encourage savings.

By E.C. Harrison | Oct. 21, 2019

With credit union acquisitions of banks on the rise, the ABA has gone on the offensive. Sound CU shares why its recent purchase of The Bank of Washington makes good business sense and its strategies for onboarding former bank customers, employees, loans, and more.

By Erik Payne | Oct. 15, 2019

There’s a growing trend in Credit Union Land that’s encouraging employees to spend Columbus Day on the road, volunteering and giving back to their communities.

By Marc Rapport | Oct. 7, 2019

Credit unions making the move to Microsoft’s newest operating system share how they’re doing it and what they’re gaining.

By Erik Payne | Sept. 16, 2019

How agile project management has helped WSECU work smarter, faster, and better.

By Jennifer Davis | Sept. 16, 2019

Small improvements can add up to big value for credit union products and services.

By Marc Rapport | Aug. 26, 2019

Six credit unions from California to Connecticut and locations in between share their placement strategies for branching success.

By E.C. Harrison | Aug. 5, 2019

A new approach to debt collection at WSECU is cutting contact center costs by $8,000 a month and identifying borrowers that need early intervention.

By Erik Payne | July 22, 2019

Numerica Credit Union has served cannabis businesses for five years. Learn how the shop monitors risk for these growing businesses.

By E.C. Harrison | June 17, 2019

Four credit unions with deep experience in SBA lending weigh in on building an effective program that frees up capital and minimizes risk.

By Callahan & Associates, Inc. | June 5, 2019

Join Callahan & Associates and Rachel Van Noord, director of community outreach for BECU, for an interactive discussion about the Washington credit union’s Member Summit.

By E.C. Harrison | May 20, 2019

Employee training and leadership development programs go hand in hand with succession planning. Find out how credit unions are dealing with the tight job market to retain the best employees and position them for leadership roles.

By Celeste Karwan | May 16, 2019

Seattle and Washington, DC, are outperforming national averages in income and housing. But how do these markets fare in credit union membership growth and engagement metrics?

By Sharon Simpson | March 4, 2019

Based on member feedback, BECU now incorporates financial education into its annual meeting.

By Maya Neuman | Feb. 21, 2019

As lending rolls along at U.S. credit unions, members show their appreciation by making timely payments.

By Erik Payne | Feb. 4, 2019

Last summer was the most competitive homebuying season of all time, and credit unions are preparing for more action in 2019.

By Jay Johnson | Jan. 1, 2019

Credit unions must deliver ever-greater value to their members. This requires constant investment that is made easier, and more successful, by collaboration.

By Erik Payne | Dec. 31, 2018

BECU used member insights to rebuild its onboarding process, acclimating members to the credit union in one-third of the time.

By Marc Rapport | Dec. 24, 2018

Here are seven savvy ways credit unions across the land upped their member experience game in 2018, and shared their experience and learnings with their peers on CreditUnions.com.

By Maya Neuman | Oct. 8, 2018

An interactive graphic by Callahan & Associates highlights ROM leaders by state. Who's tops in your state?

By Marc Rapport | Sept. 10, 2018

Early adoption and member convenience drive strategy at this Spokane cooperative.

By Fannie Mae | Aug. 6, 2018

How BECU uses Fannie Mae HomeReady Mortgage program and financial education to enable members to buy their homes.

By Marc Rapport | June 4, 2018

Three credit unions share how one-to-one lending has helped them build business and increase engagement with members.

By Erik Payne | April 16, 2018

How a shift to universal tellers and a rework of its branches saved WSECU millions.

By | April 1, 2018

This Callahan Collection examines how credit unions approach headquarter building and design.

By Erik Payne | Feb. 14, 2018

Why human experiences outweigh plastic tchotchkes every day of the week.

By Aman Johal | Feb. 12, 2018

Innovative consumer loan and financial education products have helped BECU perform admirably in asset quality.

By Erik Payne | Jan. 22, 2018

BECU’s financial reality fairs teach high schoolers about the challenges of adulthood.

By Erik Payne | Oct. 9, 2017

Credit unions in California and Washington offer best practices for responding to breaches and reissuing cards.

By Erik Payne | Sept. 4, 2017

BECU and MSUFCU provide lessons in communication and expectation.

By Sharon Simpson | June 26, 2017

Two credit unions offer tips and best practices to succeed in the loan participation space.

By Callahan & Associates | June 1, 2017

Callahan & Associates and TwinStar Credit Union discuss the institution's Imagination Lab, how it was implemented, and the successes the Lab has achieved.

By Marc Rapport | April 24, 2017

How a Northwest credit union partners with three other credit unions and a local CDFI lender to help microbusinesses prosper.

By Marc Rapport | April 18, 2017

TwinStar Credit Union's Imagination Lab studies processes and reduces friction for members and employees.

By Erik Payne | April 17, 2017

How three credit unions are pushing their physical locations into the future.

By Marc Rapport | April 10, 2017

How financial services cooperatives are leveraging CDFI, NCUA, and NCUF grants to underwrite their expanding reach and impact.

By Marc Rapport | March 16, 2017

An Urban Institute presentation offers plenty for credit unions to move on.

By Mark Manicone | March 7, 2017

To serve consumers of alternative financial services, credit unions must first understand who they are and what they want.

By Marc Rapport | Jan. 2, 2017

Five ways credit unions decided whether to deploy or defer new technologies.

By Michelle Parker | Dec. 19, 2016

A surge in deposits helps prepare the books for interest rate increases.

By Marc Rapport | Oct. 26, 2016

Automation techniques that put Big Data to work powers multiple solutions highlighted around the annual Las Vegas payments solutions fest.

By Susan Levi Wallach | Oct. 3, 2016

Why the credit union is heavily engaged in making sure it has a physical presence in its communities.

By Callahan & Associates | Sept. 28, 2016

A monthly collection of Callahan content that, together, addresses a single topic from a variety of perspectives.

By Marc Rapport | Aug. 4, 2016

The regulator’s move may be first step of more relief to come.

By Marc Rapport | June 27, 2016

Day two at ACUC sees focus on polling, projects, the regulatory burden, and how to compete.

By Marc Rapport | June 27, 2016

Small credit union roundtable kicks off ACUC with discussion on business and thought collaboration, and on the loss of intellectual capital.

By Marc Rapport | June 23, 2016

New regs would provide a safe harbor under NCUA rule, but some say the effects could re-define small-dollar lending and sharply reduce availability.

By Callahan & Associates | May 1, 2016

A monthly collection of Callahan content that, together, addresses a single topic from a variety of perspectives.

By Erik Payne | March 31, 2016

For April Fools’ 2016, CreditUnions.com looks at funny credit union-celebrity relationships that make too much sense.

By Marc Rapport | March 30, 2016

Cooperatives across the land are continuing the tradition of offering tax preparation services for free this year, and if a member gets a little financial wellness help along the way as April 15 nears, all the better.

By Erik Payne | March 28, 2016

For a credit union with nearly $14 billion in assets, BECU receives few complaints. Here are three of the institution’s best practices in resolving and managing complaints.

By Dahna Chandler | March 7, 2016

By turning a longstanding credit model on its head, BECU repriced $100 million in loans in 2015.

By Erik Payne | Feb. 22, 2016

In today’s world of same-day service and immediate gratification, these credit unions are using new delivery channels and transaction capabilities to exceed member expectations.

By Marc Rapport | Feb. 11, 2016

Juntos Avanzamos program grows from its Texas roots as a way to light the path to safe banking for Hispanic consumers.

By Sharon Simpson | Jan. 4, 2016

Why three credit unions are turning to team-based learning to develop current and future leaders.

By Marc Rapport | Dec. 21, 2015

Check out how these forward-leaning credit unions took advantage of a growing economy and responded to regulatory challenges to keep loans growing.

By Marc Rapport | Dec. 17, 2015

Credit unions, processors say it’s too early to agree with gloomy take on digital wallet’s performance.

By Marc Rapport | Oct. 26, 2015

Washington state credit union’s fifth-generation short-term loan apps go mobile and into the cloud, helping to meet its mission while monetizing the channel.

By Janet Lee | Oct. 15, 2015

The number of credit union branches has risen since midyear 2014, but deposit market share is holding steady.

By Marc Rapport | Oct. 14, 2015

New Mexico’s Nusenda works to boost capital access and financial acumen; judges cite other nominees for digital small business banking that includes Uber-style service in Poland.

By Marc Rapport | Sept. 14, 2015

The first phase of NACHA’s plan to open new daily payment windows is now a year out and approaching fast.

By Aaron Pugh | Aug. 31, 2015

Credit unions pay good money for cutting-edge products and services. Here’s how they can avoid being shortchanged upon delivery.

By Sharon Simpson | Aug. 24, 2015

Randy Gunderson, CFO for WSECU, discusses selling mortgages to Fannie Mae and participating consumer and commercial loans.

By Erik Payne | Aug. 3, 2015

How an auto loan helped this Washington credit union donate more than $14,000 to area schools.

Feature
Deals On Wheels

By Aaron Pugh | Aug. 3, 2015

How WSECU turned a coasting RV lending program into a true income vehicle.

By Marc Rapport | June 29, 2015

Apple Watch is just the beginning for mobile-oriented, blue-sky thinkers in the credit union space.

By Marc Rapport | June 29, 2015

Three tech-savvy institutions share how they miniaturized important portions of their business models to maximize the value of mobile.

By Marc Rapport | June 1, 2015

Credit unions on both coasts share how they ramped up new insurance and investment services.

By Marc Rapport | May 21, 2015

Preparation, speculation underway as same-day settlement gets green light on nation’s largest payment rail.

By Callahan & Associates, Inc. | May 20, 2015

Industrial Credit Union of Whatcom County shares an important lesson about how to generate excitement within a community.

By Callahan & Associates, Inc. | May 20, 2015

Industrial Credit Union of Whatcom County's senior vice president discusses how it's annual food drive has grown over the past 20 years.

By Aaron Pugh | April 20, 2015

BECU knows what goes around comes around. That’s why it’s emphasizing good planning over good fortune, strategy over scale, and the needs of the many over the demands of a few.

By Aaron Pugh | April 20, 2015

These tactical approaches to products, channels, vendor management, employee engagement, and compliance keep BECU moving forward year after year.

By Aaron Pugh | April 20, 2015

CEO Benson Porter and board member Porsche Everson discuss how BECU attracts and keeps cooperative governance talent.

By Callahan & Associates | April 19, 2015

How do credit unions in Washington stack up against the nation?

By Erik Payne | April 15, 2015

Callahan & Associates celebrates five years of adventure with the Anatomy Of A Credit Union series.

Feature
Anatomy Of BECU

By Aaron Pugh | April 14, 2015

The ANATOMY series is a quarterly, multi-feature profile that explores the strategies and analyzes the performance of an exemplary credit union.

By Aaron Pugh | April 13, 2015

With more than 7 million potential members to reach and nearly 887,000 current members to stay connected to, BECU isn’t just building a brand, it’s building a beacon.

By Janet Lee | April 13, 2015

Marketing expenses, measurable goals, and more in this Graphic Of The Week.

By Rebecca Wessler | Feb. 23, 2015

This week, CreditUnions.com offers practices, lessons, and educational resources for the men and women charged with managing the financial risks of their credit unions — the CFOs.

By Aaron Pugh | Feb. 23, 2015

Tips from BECU on how to manage growth and risk under increased regulator scrutiny.

By Erik Payne | Jan. 30, 2015

Four lessons from Ent and Numerica credit unions on how to run a successful member business credit card.

By Marc Rapport | Jan. 26, 2015

Deflating news to Patriots partisans: Callahan data points to Seahawks triumph.

By Aaron Pugh | Jan. 12, 2015

Whether the goal is growth or control, high-yield offerings can shape saving behaviors that benefit the member and the credit union.

By Erik Payne | Nov. 10, 2014

The Veterans Family Fund CD from America’s Credit Union offers best practices even for institutions without military field of memberships.

Partner Perspective
Make The Most Of The HQ Branch

By Momentum | Oct. 13, 2014

The ideal credit union's headquarters branch represents an opportunity for research and development and staff training, and helps reinforce to the staff that the branch is still largely seen as the face of the organization.

By Andrew Bolton | Oct. 13, 2014

Credit unions across the United States are capturing market and expanding branch networks.

By Ross Swartwout | Oct. 1, 2014

Ross Swartwout, Senior Designer and Social Media Specialist at BECU, discusses the credit union's social media program in this Leadership Series webinar.

By Callahan & Associates | Sept. 25, 2014

A monthly collection of Callahan content that, together, addresses a single topic from a variety of perspectives.

By Erik Payne | Sept. 15, 2014

Credit unions encourage refinancing with friendly competition and enticing offers.

By Erik Payne | Aug. 11, 2014

Three startups find a niche making business loans, but how much competition are they for credit unions?

By Callahan & Associates | July 8, 2014

A monthly collection of Callahan content that, together, addresses a single topic from a variety of perspectives.

By Aaron Pugh | July 7, 2014

If you are only concerned about hard-dollar ROI, you’re missing the point. The benefits of these dynamic channels become apparent in other ways.

By Jennifer Davis | July 1, 2014

During the Great Depression, Boeing employees couldn’t afford the tools they needed to remain employed, so they formed a credit union.

By Erik Payne | June 30, 2014

One credit union addresses recurring problems with solution-oriented teams that include employees of different ranks.

By Erik Payne | June 16, 2014

The kind of service that boosts the scores also serves as a guide for improving call center operations.

By Callahan & Associates | May 29, 2014

A monthly collection of Callahan content that, together, addresses a single topic from a variety of perspectives.

By Catherine Siskos | April 11, 2014

Competitiveness, income, risk, and engagement drive four distinct pricing models.

By Callahan & Associates | Feb. 21, 2014

Carla Altepeter, CEO of Numerica Credit Union, talks about her credit union's culture change and aligning project management to achieve organizational goals.

By Sharon Simpson | Feb. 1, 2014

BECU’s head of Internet talks strategy and skill set in a changing financial services environment.

By Andrew Bolton | Jan. 30, 2014

Callahan & Associates predicts the winner of Super Bowl XLVIII by analyzing credit union performance data.

By Drew Grossman | Jan. 6, 2014

Car-sharing companies allow college students and city dwellers to forgo car ownership in favor of memberships that offer as-needed availability.

By Drew Grossman | Dec. 5, 2013

Mark Allen, chief credit officer at WSECU, talks about the credit union's automated quick loan product.

By Erik Payne | Dec. 2, 2013

Numerica Credit Union’s updated disaster recovery system consolidates processes and data and makes information more easily accessible.

By Drew Grossman | Nov. 18, 2013

BECU talks about complying with CFPB consumer complaint expectations.

By Mark Reed | Nov. 5, 2013

By Janet Lee | Oct. 29, 2013

By Andrew Bolton | Oct. 28, 2013

By Erik Payne | Oct. 21, 2013

Credit unions are using resources such as GPS tracking devices and starter-interrupt systems to help members with low credit scores and questionable histories purchase cars.

By Mark Reed | Oct. 18, 2013

By Erik Payne | Oct. 7, 2013

How America’s Credit Union uses bankruptcy scores to improve its loan decision-making process.

By Janet Lee | Oct. 7, 2013

By Tom Berquist | Sept. 23, 2013

Crowdsourcing software enables the Washington credit union to solicit ideas from employees and build off the solutions of one another. So far, participation is high and credit union leadership is pleased.

By Sharon Simpson | Sept. 16, 2013

WSECU’s short-term loan offers much-needed credit without the exorbitant rates and fees typically associated with these types of products.

By Andrew Bolton | Sept. 6, 2013

By Drew Grossman | Sept. 2, 2013

The Washington credit union is turning its indirect lending program into a 100% electric business by October 1.

By Janet Lee | Aug. 27, 2013

By Sharon Simpson | Aug. 26, 2013

These two credit unions prove employees and members can talk the talk as well as walk the walk.

By Sharon Simpson | Aug. 5, 2013

BECU’s VP of Member Solutions discusses why there will always be a place for the branch.

By Alix Patterson | July 1, 2013

Give employees the knowledge they need to think and act like the business partners they are.

By Yun Ma | April 22, 2013

Women may earn less than men, but they wield greater power as the family’s key financial decision maker.

Feature
Region 12

By Callahan & Associates | April 1, 2013

2013 Beige Book Responses

By Melissa Forsyth | March 27, 2013

In this short Q&A, Kelli Hawkins, Communications Manager at Numerica Credit Union ($1.2B, Spokane, WA), shares how a video contest is helping the credit union reach out to its younger members.

By Aaron Pugh | March 4, 2013

For many credit unions, financing recreational vehicles is a powerful way to shift loan portfolios into overdrive.

By Brooke C. Stoddard | Dec. 17, 2012

BECU publishes a short financial annual report as well as an extensive sustainability report that describes what the credit union does for staff, the community, and the environment.

By Bailey Reutzel | Oct. 15, 2012

Spokane Teachers Credit Union’s onboarding program was such a success for indirect members, the credit union implemented it for all new members.

By Rebecca Wessler | Sept. 14, 2012

Numerica, a railroad credit union, has turned into an economic engine for Spokane and its surrounding communities.

By Rebecca Wessler | Sept. 14, 2012

Members at Primesource use the credit union for products, services, information, and more.

By Rebecca Wessler | Sept. 14, 2012

Spokane Media Federal Credit Union demonstrates how credit unions collaborate and support one another, even when they are competing.

By Rebecca Wessler | Sept. 14, 2012

Spokane Teachers Credit Union serves many members under one guiding principle.

By Melissa Forsyth | Sept. 4, 2012

Numerica Credit Union encourages employees to increase the institutions' performance with a voluntary stakeholder's program.

By Melissa Forsyth | Sept. 3, 2012

By Callahan & Associates | Aug. 31, 2012

7 ways Spokane credit unions come together to support one another and the industry.

By Rebecca Wessler | Aug. 31, 2012

Superior consumer awareness and enviable market share in deposits and mortgages are just a few of the benefits of being a Spokane credit union.

By Melissa Forsyth | Aug. 13, 2012

With $10 million in assets, Spokane Media FCU stays competitive while retaining a niche membership.

By Melissa Forsyth | Aug. 8, 2012

STCU's leadership team members display alabaster hearts in their office to remember the essence of their brand, which guides their advertising initiatives.

By Melissa Forsyth | July 23, 2012

Numerica Credit Union has $150 million in small business loans, lending to local businesses that typically get overlooked by banks.

By Melissa Forsyth | July 18, 2012

Spokane's two largest credit unions, STCU and Numerica Credit Union, strive for innovation to preserve their market share.

By Melissa Forsyth | July 12, 2012

Spokane Teachers Credit Union restructures members' mortgage loans to increase collections and avoid write-offs.

By Melissa Forsyth | July 3, 2012

Spokane Teachers Credit Union snagged $20 million in rescued auto loans through a 1% cash back campaign.

By Melissa Forsyth | July 3, 2012

Veridian Credit Union's Green Initiative Project includes auto and home improvement loans to encourage members to make eco-friendly choices.

By Melissa Forsyth | June 27, 2012

Spokane County is a $9B market between credit unions and banks, with credit unions owning 30% of that market.

By Melissa Forsyth | June 27, 2012

Spokane County is a $9B market between credit unions and banks, with credit unions owning 30% of that market.

By Rebecca Wessler | June 26, 2012

Like a camel on a Northwest hiking trail, Spokane-area credit unions are standouts.

By Rebecca Wessler | June 20, 2012

BECU spotlights University of Washington alumni and wins an Emmy in the process.

By Rebecca Wessler | June 4, 2012

Spokane Teachers Credit Union supports its employees in myriad ways, and they in turn nurture member relationships.

By Rebecca McClay | May 8, 2012

Residents of Vashon Island, WA, partnered with a credit union to open a branch that drew 16% of the local population in its first year.

By Aaron Pugh | May 7, 2012

A Seattle credit union moves from in-store locations to full size branches, enhancing service capabilities and allowing for new growth.

By Rebecca McClay | May 7, 2012

Credit unions are integrating branches into schools as a way to connect with the community.

By Rebecca McClay | Dec. 19, 2011

Moms play a major role in family financial decisions, so Verity Credit Union designs campaigns to connect with women.

By Rebecca McClay | Dec. 5, 2011

Salal Credit Union takes its social media strategy to the next level by using location-based platforms to connect members with products.

By Origence | Nov. 21, 2011

Surviving in a new economy requires successfully managing risk and satisfying new regulatory requirements.

By Michael Emancipator | Oct. 24, 2011

Co-ops are hoping to deepen services to their communities as more states allow municipal deposits, including recently New Jersey and Washington.

By Callahan & Associates | Oct. 1, 2011

CEOs have plenty of challenges, but they also have the ability to make a mark in the credit union and the community.

By Rebecca McClay | Sept. 14, 2011

Students, community, and innovation work hand in hand for this standout credit union.

By Rebecca McClay | July 25, 2011

Credit Unions top the list of financial institutions that provide the highest yields on checking accounts, a recent survey found.

By Brooke C. Stoddard | July 1, 2011

Seattle Metropolitan uses the cooperative principles to give structure to its actions.

By Thomas Cullen | May 16, 2011

A Washington state credit union turns its diminutive size into a demonstrable advantage.

By Brooke C. Stoddard | April 1, 2011

Consumers are in touch with the core values of the credit union movement: independence, value, and community.

By Thomas Cullen | Jan. 24, 2011

Debit interchange regulation is moving the market away from free checking, which gives credit unions a new way to enhance member relationships.

By Brooke C. Stoddard | July 1, 2010

BECU's community outreach has various components, including affordable housing, financial education, and community investment.

By Lydia Cole | Jan. 1, 2010

The results from late 2008 merger activity can be seen through the lens of one marketplace: Washington State. Plus an infographic: Deposit Market Share Distribution of Performance by State

By Brooke C. Stoddard | Oct. 1, 2009

Moving from a product-silo to a member-solution organization five years alo lowered BECU's expense ratio and prepared it for double-digit member growth even in these difficult times.

By Callahan & Associates | July 1, 2009

Credit Unions of Washington, a consortium of over 50 credit unions, allows credit unions from all over the state to pool resources to reach a much wider audience than any single institution can reach on their own.

By Callahan & Associates | July 1, 2009

Advanced features of bill pay may help increase adoption.