The 2020s have seen significant paradigm-changing interactions in terms of how members connect with their credit unions, just as the way they interact with the merchants they shop with has transformed. Digital functionality is now king, and credit unions' competition for digital is no longer just the other financial institutions in their peer group; it is the vast array of digital experiences they are having every day. You are competing against how straightforward it is to add your card to DoorDash or to order that new cookware set and pick it up curbside at Target.