Samaha Associates

e-Business and Technology Consulting Services for Financial Institutions

Quality Service With Results

1st United Services was in the midst of a credit and debit card processor conversion in 2012. The conversion proved to be quite complex, and we were beginning to have concerns about its success. Samaha Associates assisted in addressing our major concerns, and also helped us renegotiate pricing. I would highly recommend talking to Samaha Associates prior to entering any major conversions or contract negotiations.

Steve Stone, Chief Financial Officer
1st United Services Credit Union, Pleasanton, CA

About Us

News

June 2017: Samaha Associates' CEO Sabeh Samaha Featured in Credit Union Journal Article: Avoiding Core Conversion Missteps

According to Sabeh Samaha, CEO of the Chino Hills, Calif.-based Samaha & Associates, one common CU misstep is making core decisions only at senior management-team level, which can cloud a strategic point of view. “These projects are highly tactical, operational and functional,” Samaha said. “When this is not studied at the deepest level, many gaps and surprises result after contract signing when it is too late to remedy effectively.” Read More

May 2017: Samaha Associates' CEO Sabeh Samaha Featured in CUES Article: Loan Zone: Setting the Credit Speedometer

For credit products, the need for speed is concentrated primarily on the front-end decision and implementation, explains Sabeh F. Samaha, president/CEO of Samaha & Associates Inc., Chino Hills, Calif. Decisions should be fully automated or mimic full automation, he says. Read More

May 2017: Samaha Associates' CEO Sabeh Samaha Featured in CUES Article: Bypassing Passwords

Biometrics are already successful on a small scale, and the potential is thrilling. But the technology is evolving, the cost could be daunting, and success could create new problems. Read More

April 2017: Samaha Associates' CEO Sabeh Samaha Featured in Credit Union Journal: Why CUs need to start thinking of vendor contracts like marriages

“A vendor contract is like a marital agreement. And in this case, you need a prenuptial agreement before signing,” said Sabeh Samaha, CEO of the Chino Hills, Calif.-based Samaha Associates. “This allows the credit union to be protected.” Read More

October 2016: Samaha Associates' CEO Sabeh Samaha Featured in CUES: Go! Wait! - Balancing security with convenience plays into key payments strategy decisions

"The encryption in telecom networks can be hacked, and then information can be stolen,” says Sabeh Samaha. “The risks are real, and it’s very dangerous to introduce mobile payments without understanding them fully and having in place a rapid detection and mitigation plan.” Read More

July 2016: Samaha Associates' CEO Sabeh Samaha Featured in CUES: IVR Options - CU Leaders Consider How Best to Leverage Interactive Voice Response

Should efficient CUs turn off their interactive voice response systems, continue to support them or significantly upgrade them? The answer depends on who you ask. Read More

June 2016: Black Hills Federal Credit Union Partners with Samaha Associates on Core Conversion

The biggest decisions in a core banking system change are frequently made prior to the project’s actual start. In a recent CU Times interview, Black Hills Federal Credit Union offered an inside look at its pre-conversion choices. For the first of a series of articles documenting its conversion journey, the $1.07 billion, Rapid City, S.D.-based credit union revealed its course of action – from developing a strategic initiative through RFPs, vendor interviews and scorecards to making a core selection. Read More

May 2016: Samaha Associates' CEO Sabeh Samaha's Op-Ed "How Credit Unions Can Better Manage Vendor Oligarchies" Published in Credit Union Times

Large technology providers are attempting – often successfully – to ensure that credit union clients buy all core, key data processing and third-party products from their firms. The truth is, no vendor has all the best-of-breed product offerings. These vendor strategies are self-serving and rarely entail the best interests of credit unions. Other unwanted outcomes include overlooking truly best-in-breed products and possibly non-competitive pricing. Additionally, cost savings claims are inflated due to the size of the transaction. Read More

January 2016: Samaha Associates' CEO Sabeh Samaha Featured in Credit Union Journal Article: Experts Offer Core Conversion Best Practices

When it comes to a core conversion, many c-level executives would rather schedule a dental appointment for a root canal—in many cases the procedures are equally painful. But, with due diligence a core conversion doesn't have to be. Since a core conversion is such an expansive topic with multiple moving parts, Credit Union Journal met with three CU core experts to determine how best to start the core conversion process. The first steps focus on discovery and the all-important request for proposal (RFP) process. Read More

June 2014: Samaha Associates' CEO Sabeh Samaha Featured in Credit Union Journal Article on Core Conversions

From Discovery To Fruition: One CU's Core Conversion Credit Union Journal - June 16, 2014. "Core due diligence is: know thyself," said Sabeh Samaha, CEO of the e-business and technology consulting firm Samaha Associates. And while Samaha did not consult on SafeAmerica CU's conversion, he has assisted in numerous core conversion projects over the last 25 years. "Credit unions must closely study their environment — the good, the bad and the ugly," said Samaha. "They have to understand their core offerings department by department, all their third-party relationships and contractual obligations." Read More

March 2014: Samaha Associates' CEO Sabeh Samaha Featured in Credit Union Times Magazine Article

“Members’ needs are very simple but it takes a refined, complex configuration to satisfy these simple needs,” said California-based technologist Sabeh Samaha, who has consulted on hundreds of core platform and other deployments. “Credit unions can have very good technology but really, it's the use of that technology where we seem to find a lot of room for improvement.” Read More

PO Box 1828, Chino Hills, CA 91709
Toll Free: (855) 772-6242
Phone: (909) 597-2020
Fax: (909) 494-5538