In today's ever-changing financial services industry,configurable, extensible digital channels that enablecredit unions to respond quickly and effectively to the changingneeds of their members is essential.

Members increasingly expect more from their financialinstitutions as mobile and social media become more prevalent,especially among younger members that expect a personalizedexperience.

According to a 2012 Pew Research Center report, 63 millionAmericans bank online. By 2015, even more people will interact withtheir institutions digitally, exceeding those who bank throughbranches.

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