SAN DIEGO-The continued rise of mobile payments and self-service technologies will be a major focus for credit union IT professionals over the next six months and beyond, according to one person.

"Credit unions are trying to be more efficient, keep their costs low and utilize more self-service technologies," said Heather Moshier, EVP of information technology at San Diego County CU here and Chair of CUNA's Technology Council. "Whether you're seeing credit unions revamp their online banking sites, selecting new core systems or developing mobile and tablet applications, they're trying to do more for members to utilize the self-service channel."

Moshier also serves on the governance committee for the Credit Union Financial Exchange (CUFX), which is working to establish technology standards for CUs nationwide ("Prepare For Emergence Of 'Big Data' In Q3 and Q4," Credit Union Journal, June 11).

While some credit unions (such as Coastal FCU, Raleigh, N.C., and Education First CU, Columbus, Ohio) have invested in self-service kiosks and other tellerless technologies, Moshier said that she did not see that as an overarching trend. Rather, she said CUs will continue to invest in mobile RDC, deposit-taking ATMs and other technologies that can help offset branch traffic.

Moshier said that the Windows 8 mobile phone is set to be released later this year, which will match Windows 8 desktop software. While Windows phones currently have a low adoption rate, Moshier predicted that usage will tick up once the new device hits the market, and said that credit unions will need to ensure that their mobile applications are compatible with those systems.

As technology lifetimes become shorter and the requirements to keep up with member expectations increase, Moshier said she sees a changing trend in IT skill sets and development efforts. "Management used to have a lot of programmers who performed core-centric programming," she said. "Now the development efforts are needed more for application and web services development; the trend is shifting to a need for more application developers. Recruiting externally for the talent needed in IT today has become the norm."

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