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A Smarter, Safer Way to Grow Your Money: Understanding Term Deposits (GICs) Term deposits, commonly known as Guaranteed Investment Certificates (GICs), are having a major moment in Canada. Between shifting interest-rate expectations, updated CDIC coverage rules, and a rising demand for stable returns, Canadians are rediscovering the value of guaranteed savings products. They’re simple. They’re predictable. And in a market

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What Is Loan Origination Software? The right loan origination software can make a world of difference when it comes to lending, and a loan origination system can arguably provide one of the most impactful ways to completely transform an organization’s lending process. That’s why Canadian banks, credit unions, and financial institutions are always seeking new technologies in order to improve

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Mergers promise growth, but they also test every part of your organization. Bringing two credit unions together isn’t just about combining balance sheets or teams. It’s about blending cultures, systems, and expectations, all while keeping your members confident that everything will keep working exactly as it should. For many, that’s where the real challenge begins. For many credit unions, mergersRead more

Credit Union Mergers bring growth, but also complexity. When two credit unions merge, the real challenge often begins after the agreement is signed. Different systems. Conflicting data. Legacy cores that can’t keep up with new member expectations. As credit unions across Canada consolidate to strengthen reach and resilience, technology is becoming the biggest challenge, and the biggest opportunity. When twoRead more

Canadian banks and credit unions are in a race to attract and retain deposits, but the real challenge isn’t in finding the funds. It’s in overcoming the operational barriers that slow down growth, limit flexibility, and add unnecessary risk. At Portfolio+, we’ve seen how even top-performing institutions lose momentum due to legacy systems, manual processes, and compliance overload. That’s whyRead more

It should be obvious by now: a loan origination system (LOS) is one of the most effective ways to transform a financial institution’s lending operations. The right loan origination software for banks and credit unions in Canada will not only streamline lending, leading to faster, more efficient approvals, but it will also help institutions prepare for a future of personalized,

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The Bank of Canada Hits Pause (Again). HERE'S WHAT IT MEANS AND WHY FINANCIAL INSTITUTIONS SHOULD PAY ATTENTION If you were hoping for a big surprise from the Bank of Canada this week, you didn’t get it. On July 30, the BoC held its overnight rate steady at 2.75% for the third straight time. But while the headline is familiar,Read more

Why Banks, Credit Unions, and Alt-Lenders Need to Act Now Lending isn’t just a revenue stream, it’s the engine that powers member trust, community impact, and long-term growth. But in today’s rapidly evolving financial landscape, traditional lending processes are falling behind. Between margin compression, growing regulatory demands, and tech-savvy borrower expectations, financial institutions in Canada are at a crossroads: continueRead more

Open Banking in Canada: The Future Is (Almost) Here. Are Financial Institutions Ready? After years of slow progress, Open Banking in Canada is now firmly back in the headlines — with the federal government confirming it will introduce the next phase of legislation “at the earliest opportunity.” It’s a timely move for an industry overdue for modernization in how CanadiansRead more

Why You Can't Miss Todd Keirstead at the Portfolio+ Open September 16 at Angus Glen If there’s one reason to clear your calendar for the Portfolio+ Open on September 16, it’s this: Todd Keirstead will be there. This isn't just a golf tournament. It's a chance to meet, watch, and connect with one of the most electrifying and inspiring personalitiesRead more