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first_img“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. Despite all the recent talk about “digital disruption,” credit unions have survived the assault of their would-be disruptors to date.This makes one ask, has all of this talk about fintech been overhyped? Can we finally forget about chasing the latest technology and just get back to providing great service to our members?Well, yes and no.We are just in the early stages of digital disruption and things are happening fairly gradually in the near term. As Bill Gates said, “We tend to overestimate the change that will occur in the next two years, and underestimate the change that will occur in the next 10. Don’t let yourself be lulled into inaction.”The term “disruption” does not necessarily mean that the entire industry and all of its current participants will suddenly cease to exist. Disruptive innovation changes the game by creating new products, new markets and new relationships between organizations and individuals—and that is already happening. continue reading » 3SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

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