The verdict is in – society is moving toward a cashless future. According to a recent report by Visa, a mere 11% of consumers prefer cash payments to credit. This number will only decrease as members of Gen Z join the workforce and start to make financial decisions in today's world. In fact, an Accenture survey found that "68% of Gen Z consumers are interested in instant person-to person payments – more than any other age group." Credit unions must fervently answer this call and strategically plan for changing demographics and their dynamic needs.