Bringing new meaning to pay at the pump, Barclays has introduced the first ever self-service beer dispenser that accepts contactless payments, because.... well... it's pretty cool! But it also demonstrates their commitment to innovation, responding to that ever-present problem that Brits have with queuing for their next pint (#firstworldproblems). Brewing up a creative way to meet demands requires an organization-wide commitment to technology as well as flexibility within their systems to enable such developments. Many financial institutions struggle with "Innovation Killers" which come in different forms: Leaders reluctant to expand their thinking, limited budgets, employees lacking the necessary knowledge and capabilities, and legacy system hardware or software limitations. Does your credit union struggle with Innovation Killers?