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In order to succeed in the 21st century, credit unions cannot afford to not serve the enormous and growing population of financially underserved consumers in the U.S., according to Greg Rable, CEO of FactorTrust, an aggregator of data on those consumers.

“The stereotype of these consumers is that they are lower income, not good credit risks and not economically promising,” Rable said. “But the reality that we are finding in our data is that these consumers have significant income, often have jobs and could be very good credit risks.”

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