While the earliest recorded reference to April Fools' Day was in Geoffrey Chaucer's Canterbury Tales, many believe the tradition began with a calendar change in the 16th century, when Pope Gregory XIII adopted the Gregorian calendar, and New Year's Day was moved from April 1 to January 1. Since you were busy planning this year's pranks (Please do share), we curated the most important stories of the week for you.

We explore new forces reshaping credit unions, discover the latest banking trends, learn that Millennials are not so different after all, contemplate the end of Excel, and finally admit we don't know everything. 

New insights on 5 forces reshaping bank and credit union innovation strategies. 

Banks and credit unions frightened by Fintech.  "By focusing on incorporating new technologies into their own architecture, traditional financial institutions can prepare themselves to play a central role in the new financial services world in which they will operate at the center of customer activity and maintain strong positions even as innovations alter the marketplace."

Accenture reveals the 2016 top banking trends. "Consumers are unforgiving when their bank and credit union does not know them, look out for them and reward them."

The problem with generational stereotypes at work. "There are a million factors that go into determining the kind of person you are when you grow up, and this arbitrary 20-year long age bracket that is widely accepted is not one of them."

The end of Excel and the advent of messaging as the main office communication tool. "The difference between messaging and apps is blurring. All of this recalls the old tech joke ('Zawinski's Law') that all software expands until it can read email, but now this works in both directions - messages become software, but software becomes messages."

Let's stop pretending we know everything. "Don't dismiss those who ponder the unknown when history suggests, most things are. The world is not divided into scientific fact on the one hand and a mashup of biased-anecdote on the other. Things are underneath and in between."