Credit unions, large and small, should culturally view technology as a valuable interconnected strategic capability across all functional areas to give back to their membership. Technology is an integral component to organizations, especially mediating organizations such as credit unions, which obviously bring savers and borrowers together for their respective communal benefit.

Credit unions facilitate an exchange or transaction between two or more members of their charter, and must do so in the manner and with the timing that is most beneficial to these members.  Today that is often 24/7, online, or via a mobile device, and certainly members' desires will continuously evolve as a society and culture transform.

For a credit union to be a member's primary financial "go-between" per se, technology is not separate, it is not an organizational silo operating independently, nor does it solely exist for the productivity of the back office. Instead, technology is a multidimensional capability to deliver significance and member experience, in addition to creating operational excellence, automation, and standardization to such routine activities as opening memberships, conducting transactions, and completing loan applications.