We understand. For the last six months you’ve been inundated with trends for 2015 and all the big changes at your doorstep: More smartphones and smart watches, the Internet of Things, a recovering U.S. economy, a slowing Chinese economy and economic stagnation pretty much everywhere else. Changing demographics. Millennials. You’ve heard it all.

But what you haven’t heard is how consumers are being affected by all of this, and what it means for your business. The consumer trends outlined below are not just trends. They are real opportunities for credit unions to improve their bottom lines, and establish deeper loyalties with their members.

1. Betterment – The Human Desire for Constant Improvement

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