The Two Ways Digital Disruption Is Happening
Gradually, then suddenly. By JP Nicols 
“How did you go bankrupt? Two ways. Gradually, then suddenly,” wrote Ernest Hemingway in The Sun Also Rises. This idea of things falling apart gradually, then suddenly, may also apply to the world of credit unions. For now the rumors of CUs’ deaths seem to have been greatly exaggerated.
          
        



In our experience with a broad array of non-profit organizations, those that are successful—in terms of attracting the best talent and increasing board and constituent engagement—are those with a clear and quantifiable mission.
Credit union members live their lives on their mobile devices. Doing so saves them time and—in this on-the-go world—that’s important.
Each organization has a culture, a way of practicing values and beliefs. In a credit union, the culture starts at the top—in the boardroom—and emanates from there to the executive team and staff.
Fraud hurts consumers and merchants alike, but cardholders put an even greater level of trust in their financial institution to protect them and resolve any 

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