Tina's Take
Musings from a community bank payments strategist and full-time hockey fanatic.

Tina's Take

 

  • Three Reasons You’re Not Achieving Your Leadership Goals

    Sep 14, 2018
    Tina Giorgio: Vince Lombardi had it right when he stated that, “Leaders aren’t born, they are made.” Leadership is a process. And, like any process it begins by envisioning a desired outcome and creating a framework of the steps to achieve that outcome. Sometimes there are real obstacles that prevent us from achieving our goals. By conducting a personal evaluation, we can often identify and address things that are standing in our way.
  • 3-2-1 We Have Contactless!

    Jul 30, 2018
    Tina Giorgio: Contactless transactions include everything from flashing your watch at the point-of-sale to paying for your groceries, via your refrigerator. As “smart” devices get even smarter and more prevalent, payment has become part of their foundational fabric.
  • The Dawn of Artificial Intelligence

    May 30, 2018
    Tina Giorgio: With so many possible applications, it’s hard to predict the path that artificial intelligence will follow. In her latest blog post, ICBA Bancard President and CEO Tina Giorgio examines present-day use cases to see where things are heading.
  • Plan for Financial Technology Success

    Apr 11, 2018
    Tina Giorgio: The opportunities presented by financial technology are ripe for the picking but sorting through them all to find the solution that delivers the most value for your bank and your customers can be challenging.
  • Increasing Cybersecurity: 3 Steps to Mitigate the Hacker’s Heist

    Mar 21, 2018
    Tina Giorgio: With threats continuing to emerge, I sat down with ICBA’s cyber expert, Jeremy Dalpiaz, assistant vice president of cyber and data security policy, to discuss what community banks can do to thwart cyberattacks. Our conversation uncovered three important tips for banks in navigating today’s cyber landscape.
  • Fraud Mitigation for the Win

    Feb 05, 2018
    Tina Giorgio: With fraud continuing to rise, losses growing, and new types of attacks emerging, sometimes it feels like we need to lock down our vaults and throw away the keys. But if we do so, we cease to improve our game and strengthen our competitive edge. So, in this mode of prevention, how can we, as community bankers, switch our focus from losses to wins?
  • 2018: The Year of the Community Bank

    Jan 17, 2018
    Tina Giorgio: There’s something about the start of a new year that breeds optimism and fresh perspective. Challenges give way to opportunities, and obstacles become puzzles to solve. That positive tenacity intensifies for me as I look at 2018, a year in banking like no other. From the digital revolution to the role of fintechs, a new day has dawned, and in its light, we see the sprouting progression of community banking.
  • Are You A Goal Digger? Six Professional Development Ideas for Payments Leaders

    Dec 05, 2017
    Tina Giorgio: When I gaze back on my career, I see peaks and the valleys; the times where I knew where I was headed and the times where I felt I was driving at night without headlights. In my role as a community banker, in particular, things seemed to accelerate with lightning speed. Sometimes, I was clairvoyant, reading that market crystal ball like a road map, and sometimes, well, let’s just say that we adapted.
  • What Does the Faster Payments Revolution Mean for Community Banks?

    Oct 30, 2017
    Tina Giorgio: My goal is not only to ensure that community banks stay relevant when it comes to real-time payments but ensure that solution providers are delivering affordable, integrated solutions for community banks that are easy for them to deploy,
  • Protecting Consumers After the Equifax Data Breach

    Oct 18, 2017
    Tina Giorgio: While we wait for the details on the Equifax breach, we have found the community banks are taking the lead in protecting customer information.
  • Getting A Slice of the $86 Billion P2P Pie

    Aug 17, 2017
    Tina Giorgio: Business Insider estimates that P2P mobile payments could represent $86 billion in 2018, but as I speak with community bankers from across the country, the common refrain I hear when I broach the topic of P2P is, “Why does my bank need a P2P solution when there is already an abundance of P2P solutions in the marketplace?"
  • Mythbusting Digital Misconceptions

    Jun 29, 2017
    Tina Giorgio: According to a new Price Waterhouse Cooper digital payments study, 46 percent of bank customers interact with their banks EXCLUSIVELY through digital channels (e.g., mobile, tablet and PC). This staggering trend away from traditional banking methods begs this important question: “What products and services is my bank delivering to customers living a digital life?”
  • Faster Payments — How Fast is Fast?

    May 17, 2017
    Tina Giorgio: Faster payments is a drum you’ll frequently hear me beat and I have made it something of a personal mission, to ensure that the voices and concerns of community bankers are front and center as industry stakeholders work to improve the U.S. payments system.
  • Skate to Where the Puck is Going

    Apr 21, 2017
    Tina Giorgio: As we move into the NHL Stanley Cup Playoffs, and I move into a series of discussions on U.S. faster payments efforts, I am reminded of a quote from the great one, Wayne Gretzky. His now-famous quote has been used over and over—“Skate to where the puck is going, not where it has been.” When I think about faster payments, that couldn’t be more true.
  • March Was A Mad Month

    Apr 05, 2017
    Tina Giorgio: I attended my very first ICBA Community Banking LIVE® convention in San Antonio. During my banking career, I’ve attended many large conferences, but I must say that ICBA LIVE now tops my list. I have never seen so many engaged bankers and vendors in one place and was truly moved by the commitment, dedication and passion for our industry that was on display.
  • Developing A Payments Strategy Part II: The Nitty Gritty

    Feb 22, 2017
    Tina Giorgio: In my former role as a community banker, I always found it helpful to create visual aids to clarify complex relationships and concepts. In the example below, you can see how a bank’s payments strategy initiatives can be compartmentalized based on whether you are expanding an existing channel or innovating through new channels.
  • Developing A Payments Strategy Part I

    Jan 23, 2017
    Tina Giorgio: In the six months that I’ve been president and CEO of ICBA Bancard, a recurring question I keep hearing from community bankers is, “How do I develop a payments strategy that will best position my financial institution for the future?” As a former community banker, I absolutely understand this concern.