Across all demographics, smartphone ownership has officially become the norm. Whether they’re middle-aged adults, rural residents, college graduates or millennials, adoption levels are at 60% or more, according to recent research. Credit unions are listening and taking action as they launch a plethora of mobile apps to woo those who value on-the-go convenience. The next phase is exploring whether the new offering has yet to earn a return on investment and if all of the effort behind bringing this latest innovation to members is worth keeping around for the long term.

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