Around the world, a strong ecosystem of fintechs and entrepreneurs is set to bring innovation to community banks and credit unions. Success, however, is hampered by considerable challenges, that limit the pace and extent to which innovation is adopted. Imagine a world where a small fintech could sign a lucrative contract with a community bank or credit union in just 4 months from their first communication, without even meeting. This world is now reality with Finastra and FusionFabric.cloud. Explore the challenges of collaboration between banks, credit unions, and fintechs, outlining how they can overwhelm a fintech, resulting in limited growth.