Best of Breed Is Quietly Bleeding Your Budget
For most of the last two decades, credit unions were told to buy best of breed. One vendor was sharp at data and analytics. Another was sharp at engagement. Almost none did both, so credit unions bought both, then bought a third tool for reporting and a fourth to keep the first three in sync. That fragmentation only deepened as more point solutions entered the market, each solving one slice of the problem.The pendulum is swinging back. You can see it in the market already, with fintechs acquiring assets and stitching them into single platforms because they recognize what their customers are about to demand. This is a cycle the cores have run before, and its drivers are familiar: fragmentation costs too much, the systems do not talk to each other, and proving results across a doze...