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We believe to live in a digital world. We have our smartphones, tablets, connected devices and digital assistants. In reality, we still live in a pre-digital world: School is pre-digital. Elections. The majority of what you do in your job, even though you might do it on a digital device. The majority of shopping continues to be pre-digital. Maybe the worst statement you can make about an institution: “

Perhaps the most critical thing you can say of an institution: “That place is pre-digital.”

Meaning, this is just the beginning, the very beginning, of the transformation of our lives. And your credit unions. Join us at THINK 17 to begin your own journey.

And enjoy the stories below:

AI to become main way banks interact with customers within three years. “The big paradox here is that people think technology will lead to banking becoming more and more automated and less and less personalized, but what we’ve seen coming through here is the view that technology will actually help banking become a lot more personalized,” said Alan McIntyre, head of the Accenture’s banking practice and co-author of the report.”

Build digital experiences that rival Google, Amazon and Facebook. “The kind of trust consumers place in tech giants like Google, Amazon and Facebook means other organizations need to sit up and pay attention. Namely, they must upgrade their digital experiences to gain similar levels of consumer confidence.”

Welcome to the Emotion Economy, where AI predicts and responds to your feelings. “Improvements in deep learning algorithms and the computing power of servers and smartphones will make these programs vastly more responsive to our unspoken needs. Nowhere will this be so evident as in those devices that are imbued with emotional awareness. Such developments will permanently alter our relationship with technology, forever transforming it from mute servant into a far more intelligent and collaborative partner.”

Can Amazon’s Alexa be your friend? “Simulated or not, Alexa provides the incomparable service of being there for many who, desperately or not, enjoy it. We may have arrived at the future of the AI assistant, but it’s not clear if they’re here to help us.”

Be Your Selves. “We behave differently on different social media. Are we acting up online or reveal our true nature? Social media have turned a species used to intimacy into performers. But these perfor­mances are not necessarily false. Person­ality is who we are in front of other people. The internet, which exposes our elastic personalities to larger and more diverse groups of people, reveals the upper and lower bounds of our capacity for empathy and cruelty, anxiety and confidence.

I think back to the friend who told me that I seemed like two different people online and in real life. It really surprised me. I always assumed that I was in control of the image of myself I presented to new audiences. But the truth may be entirely opposite. Our audience is our identity.”