Fintech innovations have strengthened credit unions' ability to consistently serve their members' changing needs. Nonetheless, credit unions cannot grow complacent with the current technological landscape. Rather, they should be actively forecasting what disruptive technology shifts are on the horizon. This is a daunting task with a variety of inherent challenges. For example, even if you correctly predict the shift, your credit union could fail to adequately adopt the new technologies. According to the Harvard Business Review, "any institutions integrate technology "too slow[ly], primarily due to a 'lack of urgency' and poor communication about the strategic benefits of [the] new tools." Credit unions cannot afford to succumb to such mismanagement, allowing other entities to gain competitive advantages. Consequently, your credit union must begin preparing now to ensure you are able to adapt quickly and efficiently to a looming technological shift.