The document discusses the need for speed in member business lending in today's fast-paced world. It notes that customers now expect quick responses and decisions due to influences like Amazon. While different generations have different needs, speed is important to all members. The document compares the speed of loans at credit unions, banks, and alternative lenders. It emphasizes gaining an advantage through streamlining application and decision processes with tools like automated underwriting. It warns that gaining speed requires strong policies, guidelines, and expertise to manage risk. The conclusion encourages assessing readiness to compete based on technology, culture, and team capabilities.