In this keynote Scarlett discusses the significant impact of fintech on the financial industry, focusing on Gen Z's digitally native nature and financial preferences, which presents opportunities for credit unions to connect. She emphasizes the need for financial institutions, both internal and external, to innovate through incremental and transformative changes, as exemplified by Amazon and Citizens Bank. Sieber advises financial institutions to be engaged with the tech ecosystem and measure innovation success through various metrics beyond direct financial measurements. She also stresses the importance of alignment among business leaders and direct relationships with what's being done. Using USAA as an example, Scarlett highlights innovation initiatives and the importance of authentic customer experiences. Additionally, she discusses the competitive advantage of credit unions due to their member-owned structure and the growing trend of fintech companies focusing on usability, design, and community targeting.