We understand. For the last six months you've been inundatedwith trends for 2015 and all the big changes at your doorstep: Moresmartphones and smart watches, the Internet of Things, a recoveringU.S. economy, a slowing Chinese economy and economic stagnationpretty much everywhere else. Changing demographics. Millennials.You've heard it all.

But what you haven't heard is how consumers are being affectedby all of this, and what it means for your business. The consumertrends outlined below are not just trends. They are realopportunities for credit unions to improve their bottom lines, andestablish deeper loyalties with their members.

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