There are only a few facts that I can count on in this world:Coffee is great, butter is fantastic, Samuel L. Jackson swears alot, snakes scare the crap out of me, and disruptors are the newinventors.

We don't invent a lot of things as a society anymore. The spaceprogram was really our last venture into invention territory –thank you NASA for my foil. Really, all we appear to be doing nowis adding on to existing inventions.

Yes, we've built better computers, smartphones and WiFi (thankgoodness). Now that we seem to be at the end of our ride atInvention Land, we are relying on disruptors to push the envelope.Disruptors are not only pushing the envelope, they're ripping itapart and burning it. From those ashes, they are creating new formsof existing technologies and uses that we just didn't think ofbefore.

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Michael Ogden

Editor-in-Chief at CU Times. To connect, email at [email protected]. As Editor-in-Chief of CU Times since 2016, Michael Ogden has led the editorial team in all aspects of content strategy and execution, including the creation of the publication’s exclusive and proprietary research database of the credit union industry’s economic landscape. Under Michael’s leadership, CU Times has successfully shifted to an all-digital editorial product with new focuses on the payments, fraud, lending and regulatory beats. Most recently, he introduced a data-focused editorial product for subscribers that breaks down credit union issues into hard data, allowing for a deeper and more factual narrative for readers. In 2024, he launched the "Shared Accounts With CU Times" podcast, which offers a fresh, inside-the-newsroom perspective through interviews with leaders from the credit union industry and the regulatory world. He dives into pressing credit union issues, while revealing the personalities working behind-the-scenes to push the credit union world forward. His background includes years as a radio and TV anchor/reporter and a public relations and digital/social media manager, where he covered the food and music industries, as well as cooperatives and credit unions. Over the years, he has launched numerous exclusive video and podcast series, including a successful series of interactive backstage interviews with musicians at music festivals, showcasing his social media and live streaming production skills.