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The CUNA Technology Council has identified five key technology trends at the forefront of balancing members’ service needs and maintaining adequate security.

They are:

1. Mobile services

There will be an estimated two billion active smartphones worldwide by the end of 2013, according to Deloitte.

Credit unions must be able to deliver services via these and other mobile devices as consumers demand anytime, anywhere access to their accounts.

But, as with most everything, there are downsides to mobile. Case in point: Malware.

NEXT: Mobile malware