12 BARBADOS PUBLIC WORKERS’ CO-OPERATIVE CREDIT UNION LIMITED greater pro-activity, increased operational dexterity and agility and constant assessment of our business processes in response to the changes and challenges, while concurrently identifying new and inevitable change. As we look ahead to the next twelve months, we note the need for us to get ahead of this rapid shift in member preference and the competitive landscape by way of transitioning to a more digitized and automated business mode. We have started this process to better serve you and are currently undergoing a digital transformation project that will identify the roadmap to be followed to redefine your member experience to one that can be considered best of class. Complementing this project to digitize and optimize our footprint through the enhanced use of technology, will be the re-imagining our branch strategies. The Lower Broad Street branch build-out will be our first step in revisiting the traditional branch model to introduce a design and flows that enhance member engagement, and improve our operational efficiency as we position the Credit Union and Group for long-term success in a rapidly evolving industry. We accept that the competitive landscape has become more crowded, but our ability to personalize and enhance your member experience remains foremost as we seek to ensure that we remain that trusted partner, helping you to achieve your financial goals. It is our commitment to you. Management Discussion & Analysis (MD&A) (Continued) SAVE TIME ! Apply Online Save time with our hassle-free online loan application. Apply now and enjoy the convenience of a streamlined process from the comfort of your own home. Don’t waste precious time waiting in line or dealing with paperwork. Experience the power of technology and apply online today!
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