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Brace yourselves, credit unions. For the next five years, your primary online banking customers will be a tech-savvy bunch with high expectations.

From 2009 to 2014, the number of online banking households in the U.S. will grow from 54 million to 66 million, and while the overall growth will decrease (from 2003 to 2005, the number online banking households grew by as much as 27% annually; by 2014, annual growth will slow to just 4%), Generation Y users (ages 18 to 29) will envelop a 40% slice of the entire online banking customer pie.

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