Brendan
At the risk of being pedantic the thread is titled The future of Irish Credit Unions ...not credit union products per se. If you look to my earlier contribution you will see that I have listed products under a number of headings as being important but also listed other current constraints. Products including pricing are symptomatic of deeper issues that lie at the heart of the sustainability of credit unions as alternative financial service organisational structures. It is arguable that CU's are the most heavily regulated sector of the retail/consumer FSI and therein lies the root of serious structural constraints inhibiting and preventing development including product innovation.
Riddler