There are still more than 5,000 credit unions in this country and the vast majority of them are small. Few have large technology budgets but that doesn't mean they can't be at the forefront of technology innovation. Being small can make it easier for them to partner with fintech companies.

Our next guest on the Fintech One-on-One podcast is David Tuyo, the CEO and President of University Credit Union, based in southern California. David believes that not only can credit unions compete, but they also have some inherent advantages over banks and even fintech companies.

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