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

Members increasingly expect more from their financial institutions as mobile and social media become more prevalent, especially among younger members that expect a personalized experience.

According to a 2012 Pew Research Center report, 63 million Americans bank online. By 2015, even more people will interact with their institutions digitally, exceeding those who bank through branches.

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