Financial institutions are in a dramatic state of change. Technology has once again shifted the use and focus of the bank branch, with dramatic decreases in foot traffic. The fundamentals of the economy are shifting again, and money is flowing back out of bank accounts to the stock markets. Loans are widely needed to support the turn in the economy but credit is still hard for most to get, and conversely is still hard for banks to give. The banks are feeling this squeeze. Add to this the continuing difficult regulatory environment in which all institutions are operating. Banks and Credit Unions are moving with urgency to dial down costs while also attempting to avoid any negative impact on customer service delivery.