The financial services market has changed radically in the last five years. Competition has expanded beyond traditional institutions to include non-bank entities. These include startups and established companies entering the market through alliances, joint ventures and acquisitions. Consider that as of September 2016, six of the nation's top 10 mortgage lenders in terms of volume were non-bank lenders. And, PayPal's mobile payment service Venmo processed $17.6 billion in transactions just last year.

To remain competitive, traditional financial institutions like credit unions must also undergo radical change. At CHROME, we no longer think of ourselves as a financial services company that uses technology. Instead, we're a technology firm that delivers financial products and services.

This change requires more than just upgraded technology. We must also embrace a modern office environment and the creation of a unique organizational culture.