Speaking recently at the New Jersey Credit Union League's Reality Check conference, John Lass put it bluntly on the direction of mobile banking.

"Faster than just about anybody saw it coming, mobile banking has transformed from a nice to have in a few years to a must have this year technology," said Lass, senior vice president, strategy and business development at CUNA Mutual Group "It's not optional anymore."

Lass said because member channel preference is changing, within five years, mobile users will outnumber online users.

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