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The rapidly changing financial services marketplace has grown increasingly dependent on technology, including such evolving areas as mobile banking, compliance and security. This presents a monumental challenge for community banks and credit unions as they try to stay in step with larger institutions. When you add a gaggle of innovative nonbanks from outside of the traditional financial industry, you have a strategic issue that will not go away. No wonder nine in 10 executives at community banks and credit unions worry about delivering the technologies that their customers want and their institution needs.