You're right that traditionally credit unions and community banks have used antiquated consumer facing tech (online banking, mobile banking, loan applications,

You're right that traditionally credit unions and community banks have used antiquated consumer facing tech (online banking, mobile banking, loan applications, online account opening, etc) owned by 1 of 3 OG financial technology companies in the U.S.: Fiserv, FIS, and Jack Henry. They are all multi-billion dollar public companies that have formed primarily via acquisitions. I started a company to challenge the incumbents after running a credit union as CTO.