It goes without saying that technology changes very fast in today’s environment. Yesterday’s pager is today’s fond memory (well, maybe not quite ‘fond’). When technological advancements become available and appear to offer value for our members, we do research to determine our member interest in the new technology, and whether we can offer the technology at a reasonable cost. When digital wallets surfaced several years ago, the financial services industry anticipated that consumer demand would soar, and our members also told us they were very interested in using it. When we learned that Apple Pay was compatible with our operating system, as well as our vendors’ systems, launching Apple Pay became an immediate goal. The dedication of money, time, and employee resources made it a reality.