The credit union sector is consolidating quickly. In the United States alone, a sector that once counted over 20,000 institutions has shrunk to around 4,000. In Canada, the number has fallen below 300.

In this episode of Banking Reinvented, recorded at ENGAGE Americas in Nashville, host Tim Rutten sits down with Adrian Moise, Founder and CEO of digital transformation firm Aequilibrium, to explore what it takes to survive and thrive in this environment.

Adrian challenges some of the most deeply held assumptions in the industry. Feature parity, widely treated as a non-negotiable during mergers and platform migrations, is in his view one of the most expensive decisions a credit union can make. He argues that it imports legacy baggage, stifles differentiation, and risks stripping away the very value proposition that made an acquired bran ...