Has your credit union suddenly found itself facing a major challenge while taking on a new technology project? Did you find yourself wrestling with change management? Turning to consultants for help? Relying on word of mouth when selecting vendors? You’re not alone if you answered yes to any of those, according to a survey of more than 400 technology decision-makers at small businesses (those with six to 99 employees) across North America. Here are the results of the survey by Forrester Research, a research and advisory firm based in Cambridge, Mass.