Unless you've already gone into winter hibernation, it's impossible to be unaware of the two newest influencers in the fast-changing mobile payments arena: Apple Pay and MCX.

While most credit unions are wondering which direction the winds of mobile payments will blow based on these platforms, all the while keeping other systems including CU Wallet in mind, a larger question remains necessary for credit unions to consider. What exactly is your institution's mobile payments strategy?

Earlier this year, the Filene Research Institute published a free report titled Future of Payments: Credit Union Implications that highlighted research and observations from a colloquium on the topic.

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