Cash is Dead: 10 Alternatives Your Church Needs To Start Considering

Cash is Dead: 10 Alternatives Your Church Needs To Start Considering

If you think about it there really hasn’t been much in terms of advancements in the offering plate business model.

Most churches force attendees to pull out her wallet and look for cash, or simply remind them that they did not bring the checkbook yet again.

Consumers are moving away from cash and checks in a hurry.

Cash is no longer King.

Checks are definitely the step-child of currency today.

When was the last time you wrote a check when outside your home?

Digital peer to peer transactions are becoming the norm.

Electronic wallets like Amazon OR ApplePay offer convenience and familiarity.

It’s time that you look beyond taking MasterCard and Visa on your website. Although for thousands of churches, you need to do at least that.

10 PAYMENT METHODS YOUR CHURCH SHOULD CONSIDER

  1. Credit Cards
  2. Debit Cards
  3. PayPal
  4. Venmo
  5. ApplePay
  6. Amazon Pay
  7. Android Pay
  8. Google Wallet
  9. Zelle
  10. Bitcoin

WHICH ONE OF THE 10 ABOVE WOULD YOUR CHURCH CONSIDER TAKING NEXT?

Top 7 Things Pastors Can Do To Ensure Millennials Give To The Church

Top 7 Things Pastors Can Do To Ensure Millennials Give To The Church

Q: What’s a millennial?

A: Anyone under 35 at work you don’t like

Why is there so much so much snarkiness when it comes to an entire generation?

Did you know that they are actually the largest segment of the workforce today?

That Heisman move isn’t helping things in the workplace. The church is no different.

The big issue is, unless church leaders begin to understand how to relate to this (and the next generations coming up right behind it), the tithes & offerings received will continue to dwindle.

In the spirit of the snarkiness that exists, here is a list of things pastors should do to ensure they are convincing millennials to contribute financially to the ministry.

7 Ways Churches Can Get Millennials To Give Financially

  1. Use guilt and obligation.
  2. Tell them the ideal is 10%.
  3. Take only checks or cash.
  4. Tell them it’s for the church, not some other cause.
  5. Tell them the overall budget is none of their business.
  6. Don’t talk about money or financial health or the connection between money and spiritual health. Ever. Not in small groups. Not in personal interactions. And definitely never from the pulpit.
  7. Never disclose that Jesus would talked about money in the Bible.

What am I missing?

It’s Time To Start Thinking About Giving Tuesday

It’s Time To Start Thinking About Giving Tuesday

BAD TIMING

I don’t know about where you live, but I have been seeing pumpkin spice infiltrate the beginning of September where it has no place of belonging.

It seems like retailers everywhere are injecting pumpkin spice into anything they can.

People have jumped the gun. This isn’t good. There is a time and season for everything. Pumpkin spice should be reserved for October.

GOOD TIMING

There ARE things you should be thinking about NOW regarding events that happen later in Fall.  Like on November 28, 2017.

It’s called #GivingTuesday.

#givingtuesday 2017 is coming

 

There’s so much potential with Giving Tuesday, which is the first MONDAY AFTER Black Friday.  This year, it falls on November 28.

If you’ve never thought about involving your church in a #GivingTuesday campaign, think again.  Just take a look at some of the giving-related stats for GivingTuesday in the past and you’ll soon be convinced you need to consider it this year.

We’ll be talking about #GivingTuesday here on the blog. Let us know if you’ve started planning for it.

Type YES in the comments if you have. Type NO if you haven’t thought about it at all yet.

5 Real World Church Giving Experiments

5 Real World Church Giving Experiments

When you think of a lab, what comes to mind?

White coats? Beakers? A little smoke and occasional explosion! Needles, knives, tweezers, and other tools?  

The dictionary tells us that a lab is “a place providing opportunity for experimentation, observation, or practice in a field of study. An experiment is “a test for the purpose of discovering something unknown”.

So let’s use Generosity Labs to talk about a few real world giving experiments we’ve been up to over at Tithe.ly. Sound good?!

Lab coats. Check.

Protective eye wear. Check.

Experiment #1: Will Mobile Giving Grow Overall Giving?

It’s not uncommon for us to hear from churches that they have “online giving”, but there is a very big difference between “online giving” and “mobile giving”.

You see, most of the time “online giving” requires people to go to their laptop which is sitting at home. Meaning, instead of giving in the moment of the offering at church, the person has to remember to crack open their computer and get online when they get home. The chances of that happening is fairly slim because people fellowship after church, go to lunch, attend their kids sporting activities, spend time with family and countless other things. Then, the go home. Tired 🙂 Next Sunday rolls around and they are listening to the offering thinking “shoot, I was going to give online after the last service!”.

Mobile giving, on the other hand, allows people to take part in the worship and give right in the offering moment or while the plate is being passe.

Michael Morris, Sr. Pastor at Cornerstone Community Church in the rural mountains of Virginia launched Tithe.ly about six months ago. Prior to Tithe.ly his church only had online giving tools avail for members to give.

He rolled out true mobile giving through Tithe.ly and the early results are impressive. Here’s what Pastor Morris has to say …

“After launching Tithe.ly, we quickly saw our giving trends change. We now have 34% of all giving occur from mobile, which is a big increase from our previous solution. Another positive benefit is that 41% of our online giving is recurring giving, meaning that our giving is now more consistent week after week.

After the first quarter, the church is ahead of budget by 2 entire weeks! This is the first time the church has ever been ahead of budget during the first quarter. Based on the current average for 2017, we should exceed our annual budget by $50,000.

Conclusion: When put in the hands of members, mobile giving does, in fact, increase giving.

Experiment #2: Does the Summer Giving Slump Have to Happen?

The summer giving slump is a real thing in the church world.

What is it, you ask?

For many years there has been a direct correlation between attendance and giving. If people miss church, they don’t give. It’s seen most dramatically in the summer months. People go on vacation, have family in town, stay out and wake up late, etc. So, from May through August, many churches in the U.S. see giving “slump” (aka decline) due to attendance dropping.

It’s been reported that the average decline is between 20 – 30%!

Based on the historical trend, many churches simply plan for this in their annual budgeting process. The scale back programs, activities, and other costs in order to keep cost during the summer inline with income.

But it doesn’t have to be this way. Check out the chart based on Tithe.ly giving research below.

The line represents the normal giving pattern for many churches in the U.S. That’s the summer slump!

The bars in green represent what churches using Tithe.ly see during the summer months. You don’t even have to look closely to see that there is NO SUMMER SLUMP for churches using Tithe.ly. Giving actually steadily grows through the summer.

Conclusion: When you give people mobile, text, and online giving tools so they can give whether they are in church or away, giving doesn’t suffer during the summer months so you don’t have to plan for the “summer slump”.

Experiment #3: WIll People Give Big Gifts Online?

It’s not uncommon to hear church leadership share opinions about online giving being for small gifts. Somehow, church leaders have been convinced that people won’t give big donations through a mobile giving app or online giving solution.

But, is that true?

The data suggest this is, in fact, a myth!

54% of gifts given through the Tithe.ly digital giving platform are over $250 with 18% being over $1,000! I wouldn’t put those in the “small gift” category, would you?

Conclusion: Although popular opinion suggest online giving is for smaller gifts, the data shows that this isn’t true. People are comfortable giving big!

Experiment #4: Do People Prefer Using their Bank Account Over Credit/Debit Card for Giving?

Let’s start with a disclaimer: We are NOT in favor of anyone using debt to give or otherwise going into debt. That goes completely against the biblical call to be good stewards of the resources that God has entrusted to our care. We understand that this heart is the heart behind churches wanting to not allowing giving by way of a credit card.

The thing is, people, your members, prefer giving through a credit or debit card compared to using their bank account directly.

We don’t have any hard data to support why this is the case, but we do have two anecdotal bit of evidence based on talking to a lot of people about it:

  1. People do not want to attach their bank account to anything.
  2. People like getting the points associated with using their credit card.

Conclusion: Card based giving is the preferred method for most individuals.

Experiment #5: Will People “Cover the Fees”?

Cover the fees™ is a handly little feature in Tithe.ly that allows the giver to help offset fees paid by the church to use Tithe.ly. Essentially, the giver can turn on Cover the fees™ and it will increase their donation amount slightly so that the church gets the full gift amount.

It’s a feature that, to be completely honest, we didn’t know would work or not, but we had a hunch and wanted to experiment a bit.

Much to our surprise, Cover the fees™ not only worked, it gets used in over 25% of all gifts made across the Tithe.ly platform.

DRf

Your turn …

You can take off your protective eyewear now 🙂

The experiments are done.

There you have it. Five real world generosity experiments that we’ve been running for some time, along with the data to back up the results.  We’d love to hear from you in the comments below! What giving experiments have you run? Do any of the above stand out or do you find yourself questioning the data? Let us know.

__________________________________________________________________________________________________

Dean Sweetman tithelyDean Sweetman
For over 30 years, Dean has been involved in ministry and building businesses that support the work of the Church. He’s help plant over 50 churches and raised millions of dollars to spread the Gospel, equip leaders, and change lives. Now Dean spends his time focused on using technology to advance the Kingdom. When he’s not helping churches grow their giving with Tithe.ly he’s spending time with his family and new grandson!

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Generosity Labs Podcast with Cindy Petroff of Faith Family Church

Generosity Labs Podcast with Cindy Petroff of Faith Family Church

In this episode of the Generosity Labs Podcast, we sit down with Cindy Petroff, the Director of Finance at Faith Family Church. Cindy has been serving at Faith Family for more than 18 years and has seen the landscape of giving change substantially

In this episode, Cindy talks about

  • What lead them to digital giving
  • The biggest challenge of digital giving
  • Why digital giving is 7x more efficient

In this episode, Cindy recommends

Reach out to Cindy on email at info@myfaithfamily.com.

You can listen, subscribe or watch my interview with Cindy Petroff below.

The Generosity Labs Podcast is part of a new resource hub for pastors, providing free resources and information about digital giving. You can find more free resources  here.
A full transcription is below

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Transcription

KENNY: Greetings podcast land. My name is Kenny Jahng and this is the Generosity Labs podcast. Generosity and giving as it relates to the church is one of the biggest and most important conversation we can have among faith communities. And, that’s why we’re here today with Cindy Petroff. So glad to have you on the show today, Cindy.

CINDY: Thank you for having me Kenny.

KENNY: You worked in many fields of accounting, I believe, including government and public manufacturing and now non-profit. I think you’re currently on staff there at Faith Family Church, leading the accounting department. I think you’ve been doing that for 15-18 years, now?

CINDY: Little over 18 years, yes.

KENNY: I’m sure you’ve seen the evolution and the growth and just different time periods of how the church has handled money and giving and generosity.

CINDY: Yes. From 18 years ago to what it is now today is literally different.

KENNY: Completely different.

KENNY: First, let’s just hear a little bit more about you, Cindy and the church.Tell us a little bit more about you and what your role really means for the church. Tell us also, what is your church community like? How many people gather on a Sunday? Who and what would we see if we came to visit in a service, sat in and take a look around on a Sunday?

CINDY: Faith Family Church is a rather large church. We’ve got, on weekends, anywhere between 3000 to 4000 people that regularly attends. We actually have a Saturday night service and a Sunday morning service. Because we do find a lot of people who prefer to come on a Saturday Night compared to Sunday morning. We got a real mixed crowd of people who attend here — from young people who have a great youth program to people who have been here since the church began. Myself, am the Director of Finance here. I have been in that position, different titles, but basically the same position for 18 years. So, I like to try new technologies and I like to sometimes, there are some hesitation with that. But, you know, I’ve really watched not only the church grow but also things evolved with time.

KENNY: One of the things I love hearing about your church in Ohio is that you actually brought onboard digital giving, introduced it to the church as a response to some of the younger generation there. Tell us a little bit more about. How did that start?

CINDY: Well, it started probably around 8 years ago when we first went to online giving. We have some of the younger people had said, “Why don’t we go to online giving?”. And, we really thought about it for a while because with me, I’m not a younger person. And I was like, “Oh, it’s credit cards; it’s debit cards.” We just had that hesitation about doing that. But once we went to the online giving, they create an app that people can use the app on their phones or log in to our website and give. And, I mean, a lot of people use it. It was popular, but it wasn’t like mind-blowingly popular. People either liked it or didn’t like it. And, 8 years ago, there was still a lot of hesitation from a lot of people to use online giving.

KENNY: Definitely. We’ve come a long way, right? If you look at even e-commerce as a whole, people don’t think about giving a credit card even on your mobile phone today for a purchase, buying stuff on the run is the norm for many Americans today. Tell us a little about your digital giving options today. So, you got online giving on your website. You said, you got a mobile app that you can give through a  mobile app. Do you offer text-to-give as well?

CINDY: Yes. We do now offer text-to-give. We initiated that I would say, 2 and a half years ago. That one really came from our youth, in our really young college age kids. They had originally come to our staff and said, “We really like to be able to give by text.”

KENNY: Interesting.

CINDY: “Everyone’s is using their phones now and we really like you to think about doing that.” Having been doing the online giving, it wasn’t as tough to make that transition. But, I would say that text-to-give has really been a popular choice.

KENNY: Have you seen that it’s only limited usage to the younger? And by younger, are you saying, under 20, under 30, under 40? What is the population are you thinking as the bulk of people who use text-to-give?

CINDY: I would say initially it was the younger 30 and under crowd that really jumped on board with it, right away.

KENNY: What about today?

CINDY: Today, we have all age ranges using it. We have some people that are in their 60s that were using online giving but they had to do their username and their password, and it was more difficult. So, with text-to-give, they literally just send a text with their giving, and they’re like, they really like it because it’s easy.

KENNY: Nice. What are you guys using for text-to-give?

CINDY: For online giving, we are using our database software which is Shelby Arena and, that’s our people database. And when people login to the online giving, they’re literally logging into that database and, they can see their giving records from there. For text-to-give, we’re using Kindrid, which is of course separate from that. But, it’s a great option and, it actually merges really great into Shelby Arena.

KENNY: Got you. Do you have it fully integrated or you don’t need to do extra manual data entry?

CINDY: There’s no data entry. But, what we do is we go to Kindrid and we export the files everyday and then, we just import them into Shelby Arena.

KENNY: Great. In that way, you have one place in all your people profile and histories contain.

CINDY: Yes. that’s true,

KENNY: Got you. What was one of the biggest challenges in adopting text-to-give in your opinion?

CINDY: One of the biggest challenges was getting people to understand how to text-to-give especially if they wanted it to be their tithe, if they wanted it to be the building, if they wanted it to go to one of our other children or whatever. That’s probably the thing that we are continually just reminding people of how that works because if you’re new to it, it can be somewhat confusing.

KENNY: Right. One of the hesitations that I’ve heard from many people who are exploring text giving solutions is that they’re scared that people’s giving rates will drop off. People are not comfortable writing a check versus text in amounts. They rather write the larger amounts via check and that they would not give that much via texting. Have you noticed any loss in terms of the average gift size or are you only receiving small dollar amounts via text?

CINDY: I would say that I’ve not seen anything drop off but someone who would normally give text-to-give, if they did have a particular large gift that they wanted to give, they might write a check for that. And we have many people who do use multiple avenues to give.

KENNY: Got you. Depending on their own preferences, like the flexibility.

CINDY: Yes. They may give weekly with online giving having set up as something that’s automatic. They don’t have to go in and do anything. It’s just every week or every month or whatever give this amount, but they want to give in to a special offering then, they may give text-to-give.

KENNY: One of the biggest obstacles that we have when talk to church teams is that the back office, the finance team, it’s not like you’re out there doing 2 hour lunches everyday, and just sun bathing, right? You got a full plate in terms of what you need to do. So, the hesitation of bringing in another service into the mix in your workflow, tends to be some resistance in some church teams. Just realistically, have you had to add any part time or full time to integrate the Kindrid solution, the text-to-give to increase that giving option. What type of extra resources have you needed in order to do that?

CINDY: Actually, it’s quite the opposite. Because we have a larger congregation, everyone was giving by check, we have so much more data entry that we have to do. So, by them doing online, which is just integrated in there and with the Kindrid, all we do is in one batch, import that into our system and post it. We save time — more people who use that actually saves us time.

KENNY: Interesting. So, you’ve got a church scenario wherein you have a huge proportion is check manually based entry. A text-to-give solution might actually be a good time saver. Is that what you’re saying?

CINDY: Absolutely. We went through and looked to see if someone’s giving by check. How many times does the accounting department have to touch that check or that envelope? And it was literally like seven times whereas in the text-to-give you’re importing it, posting it and you’re done.

KENNY: Got you. And you’re not doing it individually. It’s done in a batch. Everyone. It’s one file. A day that you export and import.

CINDY: Yes, that’s correct.

KENNY: Not in a manual and individual basis.

CINDY: Correct. The only thing you would have to do manually is when someone new gives that isn’t in your database. Other than that it’s literally a five minute process.

KENNY: Have you seen any optic in new givers embracing the text-to-give mostly or is it mostly just old time givers?

CINDY: I would say that as new people come in to the church that’s the way their giving is by text-to-give. Younger people, many of them don’t even have checking accounts or use checks. For them, they’re like, “Oh, I can do that. I can give” It’s so easy just to do it. First initial text-to-give and you’re setup. It’s so much easier than ‘Oh, I didn’t bring my checkbook’, ‘I don’t have any cash on me’. It’s a very great advantage.

KENNY: If you have a chance to talk to the people who are listening today who are considering making that leap into digital giving, what’s the one piece of advice that you would give them as they go into this whole decision process?

CINDY: I would say for and I’ve said this to people in the past for a text-to-give option, make sure that it integrates well with the software you’re currently using. Make sure that it’s something that you can import in and you’re not creating another data entry issue for your staff.

KENNY: Great piece of advice. It’s important to make sure everything works together, right?

CINDY: Yes.

KENNY: Thank you so much for spending a little bit of your time with us and sharing your experiences with digital giving. We’re going to end the interview with a lightning round of questions. Are you ready Cindy?

CINDY: Sure.

KENNY: So, the first one is, can you share one thing for the top of everyone’s list. Whether it’s a list of books, great books that they should be reading, website that they should be visiting, conferences that they should be taking note of or some other type of resource related to church and the vocation or ministry.

CINDY: I would say I recently read a book called The Leadership Triangle. And, that was really great. It’s by Ford Kevin and Ken Tucker. It was very helpful for me and really understanding our roles as leaders and how to involve everyone in some of your decision making.

KENNY: Nice. that’s a good one. So, what’s one thing that you’re looking forward to 2017 regarding the church?

CINDY: We are going to be opening a campus in 2017. In 2016, we opened some prison campuses and we’re doing those every week in multiple prisons. It’s an awesome program and we’re really looking forward to opening a campus somewhere that we’ll able to reach to our people.

KENNY: Wow. that’s exciting. That period of growth is stored whenever you’re adding another campus. That’s a great time to be a part of the church. Third question is, where are you getting your inspiration and education about donor development these days?

CINDY: I would say my inspiration is coming from our younger staff members. I’m a little older. I won’t say how much older. But, they have the pulse of the younger people. Sometimes, they bring ideas to me that I’ve never not necessarily even heard of and it gives me the information I need for the research.

KENNY: Just a whole story about your church. I love that repeatedly there’s so many examples of being open and listening to the community and being responsive to that. I think that posture is something that everyone really needs to take note of. I think it’s an awesome posture to have. You’ve shared so many good things today. If someone listening today wanted to get in touch with you, what’s the best way that they can do that today?

CINDY: They can email me at info@myfaithfamily.com.

KENNY: Awesome. And that’s your website also, myfaithfamily.com?

CINDY: That’s correct.

KENNY: And that church is in Ohio. Thank you so much Cindy for being in the show today.

CINDY: Thank you Kenny.

Kenny: Thank you for our audience for listening to our conversation on digital giving and the church. If this episode has been useful to you, do me a favor and like and review this podcast episode today. It really helps us reach more church leaders across the country on such an important issue with the future of the church. Well, that’s a wrap. I’m Kenny Jahng for Generosity Labs. ‘Til next time. Check out our website at www.generositylabs.org. Remember learning to give with your heart is when the real giving starts.