The success of the digital banking power couple, mobile and payments, rests on providing a harmonious integrated experience with credit union membership – and keeping the relationship fresh by recognizing trends and introducing innovative functionality.

Mobile banking delivery requires ongoing nurturing that incorporates basic processes as well as regular enhancement and updating. More frequently these days, it includes an integrated stage as well.

Robb Gaynor, chief product officer for the Austin, Texas-based mobile and internet banking provider Malauzai, explained 75% of Malauzai's pipeline consists of deals incorporating internet, mobile, consumer and business into one digital platform. "We used to do just one of those, consumer mobile," he said. "Now people are buying all four."

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