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Cornerstone Advisors was formed by some of the financial industry's most respected strategy and technology consultants. Our goal is to continue building an advisory firm that is legendary for the value we bring to financial services clients. The Cornerstone te... more.
In the meantime, the situation is critical to credit unions operating in this tough economic era where interchange fees have been an important source of non-interest income, suggested Terence Roche, director of Cornerstone Advisors, during the Webinar.
"We're at an unprecedented point where fee income is over 250 percent of net profit, which puts a white hot light on anything fee related," Roche said.
Join peers along with Cornerstone's Terence Roche and Jim Burson for a healthy LinkedIn conversation
Blog: Determining Your Board's Style: According to Terence Roche, principal with Cornerstone Advisors Inc., boards can ask and answer several questions to better understand their particular preferences about how to approach strategic planning.
View the questions on the CUES Skybox blog.
Terence Roche,Cornerstone Advisors, Inc. - Principal
INDUSTRY SPEAKER Terence Roche brings to his position as principal at Cornerstone Advisors more than 25 years of experience in banking and consulting. Prior to founding Cornerstone, Terence was a Managing Director at M ONE, Inc., where he built the firm's highly successful vendor selection practice. Before M ONE, Terence served as Senior Vice President of Systems and Technology at Bay View Federal Bank in San Francisco. Prior to that, he was Manager of Retail Banking Sales and Branch Administration after a stint supervising Human Resources and Facilities groups. Among Terence's many accomplishments, he has directed numerous core system conversions and installations, has managed the MIS and Operations functions of a $4 billion bank, installed the first incentive plan for branches and brokers in a $5 billion bank, and served as Retail Banking Division Manager of a 44-office bank in Northern California. Terence has been invited to speak before various bank and credit union conferences, including BAI's Retail Delivery and Internet Delivery/Risk Management conferences. He has spoken before the client meetings and user conferences of numerous vendors. An expert in bank systems and technology, Terence is among the authors of The Cornerstone Report: Benchmarks and Best Practices for Mid-Size Banks, The Cornerstone Report: Benchmarks and Best Practices for Credit Unions and The Mid-Sized Bank Study 2002. Terence displays his far-reaching knowledge as a frequent contributing author on GonzoBanker and CUES Technology Edge. He has been published in numerous banking periodicals, including American Banker, Bank Technology News, Independent Banker and Credit Union Management (CUES). Terence holds a BA from the University of California at Berkeley. He has taught at the BAI and ACB schools of banking and is a faculty member of the University of Wisconsin Graduate School of Banking.
Terence Roche cites a quote from Stewart Brand in the opening of his recent GonzoBanker article about Internet banking:
Principal with Cornerstone Advisors Inc., Roche describes three phases of Internet banking, details where most financial institutions are in the phases, and suggests what might be coming next for this technology.