Every industry is driven by certain leaders who provide direction in both thought and strategy. In the credit union system, one of those leaders is CO-OP Financial Services. The Rancho Cucamonga, Calif.-based technology provider offers credit unions payment solutions and thought leadership that continues to transform the industry. In this interview, CO-OP President/CEO Todd Clark describes how CO-OP will continue to shape the competitive environment for credit unions in 2020 and beyond. With more than 5,900 locations, CO-OP’s shared branch network is the second largest network of financial institution branches in the country. The CO-OP ATM network provides nearly 30,000 surcharge-free ATMs in all 50 states and 10 countries. Between its shared branching and ATM networks, CO-OP significantly levels the playing field for credit unions in their competition with banks. Clark also outlines how his company is helping credit unions move into the digital age. “Data and fact-based decision-making defines everything we do,” Clark says. “The digital transformation is redefining the member journey. We’re helping credit unions operate from a more digital-based model.” CO-OP is a CUNA elite associate business member.