The document outlines the top 11 digital transformation trends for banks and credit unions in 2022. Key trends include the shift towards digital-first strategies, the blurring of lines between physical and digital channels, and the rise of low-code/no-code development in IT. Other trends emphasize the importance of AI technology, the permanence of remote work, and the need to eliminate manual processes. Employee empowerment through technology, personalized digital products, and collaborations with fintechs are also highlighted. To stay competitive, financial institutions must embrace digital innovation, move away from traditional systems, and prepare for future customer expectations.

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