The financial industry must keep up with fintechs to garner its fair share of the lending market. The consumer has compelling options that don’t require membership or travel, as well as attractive rates that oftentimes beat those of credit unions. How do we compete using legacy systems and legacy lending models? By embracing technology and renewing lending models to provide a positive lending experience through digital channels. To successfully compete, credit unions need a remote lending model built for speed that is easy to use, widens the top of the funnel, and incorporates the “kaizen” (Japanese word for improvement) culture. This session will elaborate on the top of the funnel and kaizen concepts for strategically competing in today’s fintech lending environment.