In this keynote, Mark Sieveright discusses the transformation of the financial industry due to digital advancements, demographic changes, and new competitors. He highlights the importance of a digital mindset for financial institutions, including credit unions, and the need to engage members or customers, optimize operations, and adapt to new technologies like analytics, AI, and biometrics. Sieveright also emphasizes the role of data trends and the adoption of strategic technologies like 5G and video banking. Additionally, he touches upon the impact of consolidation, regulation, and demographic shifts on the industry and the importance of credit unions adopting digital technologies to maintain competitiveness, particularly in appealing to younger generations.