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The banking and financial services industry really loves its traditions, which is why the fast changes and digital disruption affecting the sector have knocked many for a loop. And credit unions are no different, despite the fact that they are more nimble and agile compared to top-heavy banks and other financial organizations. The problem is that amongst all these changes, credit unions still have to maintain their focus on the member experience, which can be complicated. First of all, customers have become agnostic about industries when comparing experiences. In other words, you aren't competing solely with other credit unions or banks or even just other organizations in the financial sector on experience, but with every other brand out there. Your members won't just think about the experience they had with another credit union or a bank when dealing with you. No, they'll compare to how they were treated by Amazon and Zappos and similar companies that have set the customer experience bar higher than ever. Another issue is that, despite their agility, credit unions are still relatively slow in implementing changes, which limits the effectiveness of any member experience initiatives being implemented. While phased and tempered change is advisable in the financial sector, financial organizations are moving so slowly that it is almost stagnant.

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Checking your financial affordability is a wise step as most of the borrowers often find tough to make the repayment of loan in single lump sum payment. So, check your pocket before applying to avoid falling into future financial trouble.

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One of the most respectable groups in the UAE, Sharaf Exchange LLC was established in 1996. It is actually part of Sharaf Group, a highly diversified business with operations in a lot of areas such as Education and Manufacturing, Shipping, Logistics, Travel and Tourism, Financial Services, Information Technology, and Hospitality & Real Estate. As for Sharaf Exchange, it belongs to the Financial Services area.

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