While rapidly evolving technology makes focussing on future options imperative, it also makes it extremely important to remain flexible. Laying out a blueprint for the payments system of the next ten or even five years, and rigidly following it, would almost certainly be a mistake. The technology is moving so rapidly that investments made now may well be obsolete in a short time.
In giving a direction, the Inspector follows due process of the law by giving the credit union enough time to make representation of the cause of the violation and to submit a plan for correction.