---
title: Top 3 Tech Trends For 2022
description: Learn more to see what the top technology trends will be in 2022 when it comes to retail banking.
---

[Resources ](https://vivalociti.lamacchiagroup.com/resources)

# [Top 3 Tech Trends For 2022](https://vivalociti.lamacchiagroup.com/resources/top-3-tech-trends-for-2022)

 Written by [Tim Klatt, Director of Retail Strategies & Head of Vivalociti](https://vivalociti.lamacchiagroup.com/resources/author/tim-klatt-director-of-retail-strategies-head-of-vivalociti) | Jan 5, 2022 3:45:23 PM

As featured in CU Insight, January 2022:

Times – and people – are changing. If you’re not evolving your brand, your business and your branch alongside your members, you’ll be left behind.

Case in point, regular consumer use of nontraditional banking options, such as fintechs, are on the rise and part of the “shadow banking” phenomenon. According to a [FICO Cornerstone Report](https://www.fico.com/en/resource-access/download/18781), 34% of American consumers reported having at least one shadow financial account or engaging in some kind of shadow financial activity. That percentage jumps an additional 13% specifically for millennials.

How can credit unions not only stay in the game amidst this dynamic, but leverage this trend to meet members where they are and grab greater market share? By being agile, collaborative and focused on merging high tech with high touch to make banking more than a check on a member’s to-do list. Here are three must-know trends for forward movement in 2022.

[View full post](https://vivalociti.lamacchiagroup.com/resources/top-3-tech-trends-for-2022)

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