Musings from a community bank payments strategist and full-time hockey fanatic

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  • Fraud Square with Lock and Keyboard

    Zelle Fraud: How Community Banks Can Respond to This Cautionary Tale

    Sep 08, 2022
    In 2020, nearly 18 million Americans were defrauded via digital wallets and person-to-person (P2P) services, according to Javelin Strategy & Research. With numbers like that, P2P solutions like Zelle have come under fire, and issues are escalating.
  • Payments Yellow Square

    Three Ways Community Banks Can Respond to Generational Digital Payments Needs

    Jun 22, 2022
    When it comes to payments, the generational divide has been shrinking. While Gen Z and Millennials still lead the way in digital payments adoption, Baby Boomers and Seniors (over 76) are increasing their digital payments prowess.
  • Digital Payments Icons Crypto Square Crop

    How to Digitize the Community Bank Relationship Model

    May 24, 2022
    When it comes to community bankers’ technology to-do lists, 35% view investing in digitalization as their top business opportunity. We’ve clearly arrived at a tipping point where community bankers are not just talking about the digital experience, they are incorporating it into actionable plans.
  • Payments Digital Currency Square

    Why Small Businesses See a (Use) Case for Instant Payments

    Apr 27, 2022
    According to the Federal Reserve, nine in 10 businesses (or 29.25 million) expect to be able to send and receive instant payments by 2023. Fortunately, in many cases, community-based financial institutions have begun the process to meet these needs.
  • Contactless Payment Square

    Three Post-Pandemic Payments Trends and What They Mean for Community Banks

    Mar 29, 2022
    The pandemic has clearly had a lasting impact on customers’ payment behaviors, marked by an unprecedented rise in ecommerce transactions, projected to reach $8.3 trillion by 2025. Amidst this sea of change, community banks are asking, “What does this shift mean for my payments strategy?”
  • Payments MSM

    How the 8-Digit BIN Standard Impacts Your Community Bank

    Feb 17, 2022
    In less than two months, the International Standards Organization (ISO) standards update for 8-digit Bank Identification Numbers, or BINs, takes effect. This new standard means that card processors must be able to accommodate and manage transactions using 8-digit BINs.
  • Twitter Paper Squares

    A Seat at the Payments Table: How Bancard Is Working for Community Banks

    Jan 24, 2022
    The average person spends nearly two and a half hours on social media per day, so it’s no wonder social payments have started to infiltrate the financial services industry.
  • Twitter Paper Squares

    Is Your Community Bank Watching Social Payments? Five Questions to Guide Your Path Forward

    Dec 14, 2021
    The average person spends nearly two and a half hours on social media per day, so it’s no wonder social payments have started to infiltrate the financial services industry.
  • Gen Group of People Square Image

    4 Ways Community Banks Can Attract Gen Z Customers

    Nov 16, 2021
    With the eldest members of Gen Z clocking in at age 24, they represent a market ripe for targeting with banking services. But what they are looking for differs from what Millennials and Gen X required of community banks at the same age.
  • Innovation People Tech Square

    How Open Banking Can Help Community Banks Deliver on Digital Expectations

    Oct 26, 2021
    Have you ever been ready to jump into your next meeting only to notice you didn’t have your mobile phone? If so, I’m betting you felt a sense of panic that only subsided once your phone was back in hand.Because without it, you’d lost your lifeline.
  • Contactless Payment Square

    5 Ways Community Banks Can Manage the Card Chip Shortage

    Sep 17, 2021
    A semiconductor chip shortage has emerged as a real challenge for banks. Industries from automobile manufacturing to consumer electronics have been reporting issues for months, and now the effects have spread to the payments industry.
  • Payments Yellow Square

    Faster Payments Have Arrived — Now What About Competition, Fraud, and Strategy? Part 2

    Jul 12, 2021
    Here's part two of a continuing conversation on faster payments, diving into Same Day ACH, competition, fraud, and strategic vision.
  • Contactless Payment Square

    Faster Payments Have Arrived — Now What?

    Jun 17, 2021
    Faster payments have arrived. Accelerated by the pandemic, the growth in digital and contactless payments has pushed consumer and business expectations toward the real-time movement of money.
  • Payments MSM

    How Community Banks Can Help Customers Evaluate Buy Now, Pay Later Offerings

    May 06, 2021
    Buy now, pay later or BNPL, is the latest cautionary payments tale for community banks. Much like digital wallets, its appeal—with instant gratification and integrated payment at checkout—has taken hold with Gen Z and millennials.
  • Rewards Program Square

    Continuing the Conversation: What You Need to Know about Today’s Credit Card Rewards Programs

    Mar 11, 2021
    Recently, ICBA Bancard, in partnership with TCM Bank, released the white paper, “Cultivating the Strategic Value of Credit Card Rewards Programs. ICBA Bancard President & CEO Tina Giorgio continue her discussion with rewards expert Damon Moorer, president and CEO of TCM Bank, about rewards programs.
  • Rewards Program Square

    What You Need to Know about Today’s Credit Card Rewards Programs

    Feb 25, 2021
    Having the right rewards program to match your existing and targeted cardholder customer base is more important than ever. That’s why ICBA Bancard, in partnership with TCM Bank recently released, “Cultivating the Strategic Value of Credit Card Rewards Programs,.
  • The Big Trouble with Big Tech

    Dec 21, 2020
    Last month Google unveiled its new Google Pay app—complete with a DDA-like account attached. This latest effort by Google is part of a trend of non-bank tech companies wading into payments territory.
  • Meeting Customers Where They Are for Today’s Digital-First World

    Nov 20, 2020
    For community banks, the digital-first nature of today’s world creates an opportunity to forge deeper connections with existing customers, while attracting new customers
  • ICBA Bancard tool helps community banks assess their small business payments readiness

    Sep 10, 2020
    From having to adapt to retail closings, diminished staff and customer capacities, a new work-from-home infrastructure, and more, the nation’s small businesses have reacted quickly in the wake of the pandemic.
  • Community Banking Month Resources

    7 Tips for Mitigating Synthetic Identity Fraud Risk

    Aug 11, 2020
    Catching synthetic identity fraudsters remains difficult, and the fall-out of not detecting it, is substantial. AI company Coalesce estimates that synthetic identities account for more than 20 percent of losses in a loan portfolio, and for credit, they average 4.6 times the typical loss.
  • ICBA Bancard 35

    Positioning ICBA Bancard for the Future: What’s Your Why?

    Jul 14, 2020
    Back in 1985, the first Macintosh computer debuted, and by today’s standards, it was a boxy, clunky, slow unit, yet Consumer Reports gave it a glowing review and cited the mouse and use of icons as technological breakthroughs. This demonstrates a key point: 35 years is a long time when we consider the rate of technological change.
  • ICBA Bancard 35

    Reflecting on ICBA Bancard’s 35-Year History of Success

    Jun 30, 2020
    In celebration of ICBA Bancard’s 35th anniversary, I sat down with our Chairman Greg Deckard, president, CEO and chairman of State Bank Northwest to reflect on key milestones that have led to the organization’s success.
  • Covid Scams

    Safeguarding Against Fraud in a COVID-19 Era

    May 20, 2020
    Despite numerous warnings from the FBI, IRS and others, fraudsters are capitalizing on the pandemic to take advantage of consumers, highlighting the importance of community banks in supporting their customers in their battle against this opportunistic fraud.
  • TinasTake_FasterPaymentsRevolution

    Navigating the New Norm with Digital Optimization

    Apr 28, 2020
    In determining what this new business-as-usual will look like for your bank, it is important to identify where your customers are now and how their financial needs may change so that you can anticipate and deliver on their future needs.
  • Wireless Payments

    COVID-19: Considerations for Card Issuers

    Mar 30, 2020
    Community banks are the stars of the financial services industry, and during times of crisis community bankers burn brightly to provide a guiding light to their customers and community. ICBA Bancard knows that protecting your bank’s cardholders and customers is all part of the job.
  • TinasTake_321Contactless

    Digital-First: Meeting Customers Where They Are

    Feb 25, 2020
    When it comes to financial services, almost 63 percent of the U.S. population uses digital banking. So, as a community bank, if you are not employing—or at least considering—a digital-first strategy for your customers, you should be.
  • TinasTake_FasterPaymentsRevolution

    Capitalizing on Change in 2020

    Jan 14, 2020
    In banking, one thing is for certain – and that is change. With the advent of new technologies and solutions, education will be the indispensable complement to ensure community banks can take advantage of the opportunity these changes afford.
  • Risk Center_Fraud Loss Protection

    Strategies to Help Fight Back Against Card Fraud

    Dec 11, 2019
    First-party fraud and synthetic identity fraud is an area of growing concern, exacerbated by difficulties of identifying these attacks, but there are ways the industry is fighting back.
  • rockclimbing

    ThinkTECH Accelerator: Through the Lens of a Mentor

    Sep 26, 2019
    ICBA Bancard President and CEO Tina Giorgio reflects on her experiences as a mentor in the ICBA ThinkTECH Accelerator program.
  • payments briefs

    Value of the FedNow Service for Community Banks

    Sep 09, 2019
    The Federal Reserve’s development of the FedNow Service provides the opportunity for all banks—both large and small—to capitalize on the value of faster payments and brings significant benefit to community banks and the businesses and consumers they serve.
  • payments briefs
  • ThinkTECHWhys

    ThinkTECH Accelerator Finalists Demonstrate Their “Whys”

    Feb 26, 2019
    Tina Giorgio: Whether I’m working with banking professionals or with entrepreneurs in the fintech space, I have one key piece of advice: I ask, “What is your why?” and encourage them to focus on that response. Because, when they home in on that, everything else falls into place.
  • Realtimepayments

    Real Talk About Real-time Payments

    Jan 31, 2019
    Tina Giorgio: There are many factors involved in creating a successful real-time payment system and one of those factors is education. This month I have invited Steve Ledford from The Clearing House to share some information about real-time payments and to provide an FAQ about the RTP® network. Steve is the senior vice president of products and strategy at The Clearing House.
  • TinasBlogYearofFresh

    2018: A Year of Fresh..

    Dec 21, 2018
    Tina Giorgio: In an e-book published last week by PYMNTS.com, “Fresh” is how I described payments in 2018. I can’t think of a time when we’ve seen as many innovations emerge in this industry than the past 11 months.
  • TinasTake_LeadershipGoals

    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.
  • TinasTake_321Contactless

    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.
  • TinasTake_DawnofAI

    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.
  • TinasTake_PlanforFintechSuccess

    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.
  • TinasTake_Cybersecurity

    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.
  • TinasTake_YearoftheCommunityBank

    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.
  • TinasTake_AreYouaGoalDigger

    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.
  • TinasTake_FasterPaymentsRevolution

    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,
  • TinasTake_ProtectingConsumersEquifax

    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.
  • TinasTake_MythbustinDigitalMisconceptions

    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?”
  • TinasTake_HowFastisFast

    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.
  • TinasTake_SkatetoWherethePuckisGoing

    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.
  • TinasTake_DevelopingPaymentsStrategyPart2

    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.
  • TinasTake_DevelopingPaymentsStrategyPart1

    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.