When Rick Cranston read recently that 72% of 18- to 34-year olds would consider moving to digital competitors such as PayPal and Wal-Mart, he had to pause to let that potential shift marinate.

“That possibility should terrify all of us,” said Cranston, director of business and product development at the Mountain West Credit Union Association, which represents 132 credit unions in Arizona, Colorado and Wyoming.

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