LAS VEGAS — Driven by new economic realities, more and more banks and credit unions are now beginning to use the tools they've long had available to them to analyze the profitability of individual members and customers.

And if they're already invested in those tools, it's a good thing, because money for investing in new tech tools most likely won't be available at all as financial institutions devote most of their resources instead to meeting the new wave of regulations now rolling toward them.

Those are the views, respectively, of the CEOs of Jack Henry & Associates and FICO aired at a panel discussion on tech trends held Wednesday at the BAI Retail Delivery exposition in Las Vegas.

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