On Sunday, March 20, half an hour past midnight EDT, the sun crosses the celestial equator moving north, ushering in spring in the Northern Hemisphere. The spring season is full of transformations. The temperature rises to a more bearable degree, opposing Mother Nature's last few months of freezing surroundings. The leaves we saw fall and flowers we saw wilt are now building into lush, green, picture-perfect plants. Aside from the weather's transformations that occur in the spring season, we are transforming our lives, too. We feature transformations in our weekly links: Credit Unions need to disrupt themselves, do we still need advertising, the demise of demographics, a fascinating look at the new and better world, and, last but not least, we learn how to be resilient. - Transforming how retail banking works. "Banks have to start disrupting themselves by acquiring new technologies and/or partnering with technopreneurs before they become a part of history." - What if we never needed advertising? "As long as advertising doesn't properly value people's attention and therefore the payoff for that transaction of attention is too low, it will not be people's intention to give their attention." - Good reminder that psychographics are more important than demographics. "Thoughtful use of psychographics will help you develop not only the messages and campaigns but also the products and services that specific customers want and need." - Fascinating read by Douglas Rushkoff: "A vision for a new, better world." - "The moment we stop optimizing the digital economy for the growth of capital, and optimize it for the circulation of value between people, everything will start to get better really fast." - How people learn to become resilient. "Frame adversity as a challenge, and you become more flexible and able to deal with it, move on, learn from it, and grow. Focus on it, frame it as a threat, and a potentially traumatic event becomes an enduring problem; you become more inflexible, and more likely to be negatively affected."