Ben Morales is the Chief Executive Officer of QCash Financial. He has been with the fintech startup since the launch in 2015. QCash Financial is a WSECU wholly-owned CUSO focused on bringing cloud-based, financial wellness technology solutions to U.S. and Canadian credit unions. Ben and his team are passionate about designing products to help members build financial stability, resilience and opportunity. The initial product, a short-term credit loan platform, aims to help credit unions retain members by providing them with an instantaneous small dollar loan that is much more cost effective than the on-line and store front payday alternatives. Today, this solution issues more than 12,000 affordable loans per month for members of 18 different credit unions. The latest product, a mobile-based financial wellness app, has been developed to help those members who continue to struggle with some aspect of their financial health. There is broad recognition among credit union executives that current methods to educate and inform members about better ways to save and invest are not working to change behavior. This product is based on a proven technique that drives change using a cognitive behavior therapy approach. This white-label product puts a digital financial coach in the palm of a member’s hand to help them real-time, using their individual account data to change behaviors associated with how they manage their money. Ben earned his Business Degree at the University of Nevada Las Vegas and his graduate degree at the University of Washington. He was recognized by the CUTimes in 2009 with a Trailblazer award for IT Executive of the Year. Ben currently resides in Olympia, Washington with his wife, has four children and 3 grandchildren.