When it comes to innovation, big picture ideas formulate and crystalize into concrete plans. Having the vision and enthusiasm for fresh solutions is just the start and drives the community bank journey to unearth specific, relevant and actionable opportunities.

Instant payments have arrived. In the five years since the launch of the RTP Network, volumes have steadily increased by more than 10 percent per quarter, and in Q3 2022, the network moved 45 million transactions valued at $19.7 billion.

Digital customer engagement has risen as a top priority for financial institutions in 2023, according to new research from Anna Kooi, financial services industry leader at Wipfli LLP, a top advisory firm in this space.