Main Street Matters Blog

Find out what's happening in communities across America, from grassroots advocacy efforts, to fintech innovations and everyday successes of Main Street banks.

Main Street Matters

Recent Blog Posts

Reflection and Ruminations

Dec 30, 2019
The oldest Millennials are pushing 40 and are well established in the financial services landscape, but with Gen Z—the elders of whom are college-aged—we have a digital native group with new expectations.

Same Day ACH: A Viable Faster Payments Solution for Community Banks

Dec 16, 2019
In 2018, Same Day ACH volume reached 178 million transactions, an increase of 137 percent over the previous year. As a readily available faster payments option, and one that many community banks are familiar with, Same Day ACH serves as a practical and immediate option to support your bank.

Relationships That Stand the Test of Time

Dec 12, 2019
Community banks have gotten it right again. With the evolution of technology and the rise of a movement to all digital-banking, others within the industry have been chasing new channels with fervor trying to find the silver bullet that ensures their relevancy.

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.

Boarding Up the ILC Loophole

Dec 4, 2019
ICBA continues to lead the opposition to mixing banking and commerce through exploitation of the ILC loophole, recently expressing strong support for new legislation that would close it.

Faster Payments: An Overview of Options for Community Banks

Nov 25, 2019
While all faster payments options have one thing in common—moving money and information faster—there are often distinct differences or subtleties when comparing today’s various faster payments offerings.

Core Providers Weigh in on Community Bank Innovation ​

Nov 21, 2019
“Because we’ve always done it that way” are perhaps the seven most painful words in the English language when it comes to innovation. It’s the death of new ideas that challenge conventional ways of thinking and the antithesis of the ICBA ThinkTECH Accelerator program.

Detecting and Mitigating Synthetic Identity Fraud

Nov 19, 2019
It’s the fastest growing type of financial crime in the U.S., costing U.S. lenders $6 billion in 2016, and it’s not what you might think.

Minority Banks: Too Important to Lose

Nov 13, 2019
With minority depository institutions continuing to serve a crucial role, their decrease from a high of 215 in 2008 to less than 150 today is a significant concern.

ICBA ThinkTECH: A Vision Come to Fruition

Nov 7, 2019
Fostering innovation is critical to ensure community banks continue delivering high-tech, high-touch service. So, as ICBA looked ahead to how we could help community banks strategically align resources in support of innovation, we knew we would need to make an investment in the future.