In this episode of the CUNA News Podcast, Lee Wetherington tells CUNA Digital Media Design Specialist Yeekeng Yang that credit unions have never faced more competition, as the average American consumer uses between 15 and 20 different financial service providers and apps.With that as a backdrop, Wetherington discusses the effect of payment apps on credit unions, the pros and cons of financial fragmentation, and what credit unions can do to promote financial health in a fragmented environment.