# 67% of Credit Unions Are Deploying AI. Only 16% Have a Plan.

> New research shows smaller institutions pay four times the transition cost when they rush in without a strategy.

By Brent Dixon, Dixon Strategic Labs · 2026-02-19 · Facts last verified 2026-06-12

- **Issue:** AI for FIs, 2026-02-19
- **Author:** Brent Dixon
- **Topics:** Generative Ai, Strategy, Fintech, Agentic Ai, Change Management

New research shows smaller institutions pay four times the transition cost when they rush in without a strategy.

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