Main Street Matters ICBA Blog

  • 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.
  • Getting Recognized for Good Deeds

    Jan 11, 2018
    Ever notice the spike in good news this time of year? Perhaps it’s a biproduct of the holidays and the charitable acts and general merriment that abound during the season. Maybe we’re just conditioned to take stock of our works as we embrace the new year and the promise it holds.
  • 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.
  • Sunshine State Helps Thaw De Novo Freeze

    Nov 06, 2017
    After an eight-year drought “de novo activity appears to be thawing as the economy warms,” Acting Comptroller of the Currency Keith Noreika said at last week’s ribbon-cutting ceremony for Winter Park National Bank, the first new national bank charter since 2009.
  • 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.
  • Community Bank Leadership Lessons

    Oct 05, 2017
    A community bank’s success relies on steady, solid leadership forged from a shared vision and a goal to exceed customers’ expectations. That’s at least the way Brad Bolton, president and CEO of Community Spirit Bank in Red Bay, Ala., sees it.
  • Banding Together in a Time of Need

    Aug 31, 2017
    When torrential floodwaters descended upon our Texas neighbors recently, individuals and communities united to provide comfort and support during a time of great need. That outreach continues today, fortified by the resiliency of the nation’s community banks as policymakers offer resources to help affected citizens with recovery efforts for Hurricane Harvey and impending Hurricane Irma.
  • Enacting Change for the Greater Good

    Aug 24, 2017
    ICBA recently announced its 2017 National Community Bank Service Award recipients, our annual recognition celebrating the outstanding and innovative volunteer efforts of the nation’s community banks. These efforts span a variety of categories: from fraud prevention for senior citizens to disaster relief to economic empowerment for underserved groups.
  • 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?”
  • Achieving the Dream of Homeownership

    Jun 12, 2017
    In his June 1 presidential proclamation, President Trump reflected on the important role homeownership plays in building household wealth, stabilizing neighborhoods, and fortifying the nation’s economic health.
  • Giving Praise Where It’s Due

    May 25, 2017
    Volunteering and community service are the hallmark of every community bank. Along with providing superior customer service, common-sense business practices, and local lending expertise, community bankers work hand-in-hand with consumers, small-business owners and local nonprofits to make their communities better places to live and work.
  • 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.
  • Community Bank Differentiators: Sharing Without Showing Off

    Apr 25, 2017
    Community banking might be about business first and foremost, but it’s the opportunity to make a difference that attracts and retains the industry’s best and brightest. The question becomes: How can community banks tell their story in a way that authentically sets them apart?
  • 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.
  • The Community Bank Difference

    Apr 16, 2017
    Community banks lend, invest and donate locally. It’s a philosophy that guides their interactions with their customers and allows them to look beyond the balance sheet to how each loan benefits their entire community. It’s the community bank difference.