Assiniboine Credit Union, Westoba Credit Union 그리고 Caisse Financial Group이 운영 결합을 공식적으로 “탐색”하는 초기단계에 있다.
6 빌리언 달러의 자산을 보유한 Assiniboine Credit Union (ACU)은 지난 15년간 Vantis, Astra 그리고 Integra와 합병을 성사시킨 경험이 있으며, 논의를 진행중인 3사 중에서 규모가 제일 큰 크레딧 유니온이다. 합병을 검토하고 있는 3곳 모두 변화하는 금융환경에 대응하기 위해서는 비용을 절감할 필요가 있다는 것에 동의하고 있다.
Brandon에 본사를 두고 약 1.5 빌리언의 자산을 보유하고 있는 Westoba Credit Union도 보도자료에서 “회원들이 금융 서비스 제공 업체로부터 더 좋은 서비스를 받을 자격이 있으며, 직원들은 더 좋은 서비스를 제공할 의무가 있다.”고 했다.
매니토바 크레딧 유니온의 숫자는 2000년 65개에서 지난 여름에는 16개로 줄어들었다.
몇차례 합병을 경험한 Assiniboine Credit Union은 업계의 많은 변화 속에서 합병의 이득이 크다는 것을 실감하고 있다.
업계의 변화에는 규제당국의 요구사항 증가, 전반적인 경쟁심화, 기술에 대한 더 많은 투자의 필요성 그리고 회원과 직원의 요구사항 변화 등이 포함된다.
특히, 오픈 뱅킹 (open banking)으로의 전환이 증가하고 있다는 것이다. 오픈 뱅킹이란 재무 데이터를 서로 다른 당사자 간에 공유하기 위해 어플리케이션 프로그래밍 인터페이스(Application Programming Interface, API)를 사용하는 비즈니스 모델을 설명하는 용어이다. 즉, 모든 금융기관 계좌의 잔액 및 내역조회, 입 출금은 물론이고 계좌에 연결된 카드정보를 하나의 앱에서 한눈에 확인하실 수 있는 금융 서비스이다. 이는 고객에게 제품과 서비스에 대한 더 많은 선택권을 제공하기 위한 새로운 접근 방식으로서, 수백 년 전부터 사용되어 온 아날로그 방식의 프로세스에 의존하던 은행의 비즈니스 모델을 변화시키고 있다. 오픈 뱅킹의 “오픈”은 구조나 보호 장치가 없다는 뜻이 아니라, 고객의 동의 하에 디지털 뱅킹 정보를 개방적으로 교환하는 방식을 의미한다.
11월초 캐나다의 테크 업체 리더들은 연방정부의 Chrystia Freeland (Finance 담당) 장관에서 캐나다의 오픈 뱅킹 시스템 도입이 다른 국가들에 비해 뒤쳐지고 있으며, 이것이 국가의 경쟁력과 관련이 있다는 서한을 발송했었다.
합병을 진행하는 시작단계인 Assiniboine Credit Union, Westoba Credit Union 그리고 Caisse Financial Group은 이사회 그리고 회원들의 승인을 받는 절차를 거쳐야 한다. 3사의 최종 합병 법인은 2025년이 되어야 구체화될 것으로 보인다. 합병과정에 반대하는 의견이 나올 수도 있지만, 합병의 필요성에 찬성하는 기류가 강하다는 것이 3사 경영진의 설명이다.
3사가 합병후에 사용할 명칭에 대해서는 아직 논의되지 않은 것으로 알려지고 있다. Vantis, Astra 그리고 Integra를 합병한 Assiniboine Credit Union (ACU)은 현재 Assiniboine Credit Union을 사용하고 있다.
Canadian Credit Union Association에 따르면, Assiniboine Credit Union은 지난 9월 기준으로 캐나다에서 15번째 규모이다.
2021년 Crosstown 그리고 지난해 Noventis와 Amaranth를 합병한 11.2 빌리언 달러의 Access Credit Union이 매니토바 최대 그리고 전국에서 6번째로 큰 크레딧 유니온이다.
ㆍ 관련기사: Casera와 Carpathia를 합병하는 Access Credit Union
ㆍ 관련기사: 성공적인 2021년을 보낸 Access Credit Union
Assiniboine, Westoba 그리고 Caisse가 합병할 경우 거의 10 빌리언 달러의 자산을 보유한 새로운 조직이 탄생된다. 이는 캐나다에서 8번째로 큰 규모인 Steinbach Credit Union과 거의 같은 규모이다.
ㆍ 관련기사: 2023년 매니토바 톱 고용주 35개 기업
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