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Is your bank contemplating a new project to obtain strategic IT capabilities? Don’t know where to start? Weighing the pros and cons of IT outsourcing can be stressful.
Use this interactive quiz to evaluate your bank’s unique circumstances, the risks and regulatory requirements, and balance these considerations against the advantages of outsourcing your key IT capabilities.
Additional information is available in the IT Outsourcing white paper.
A community bank’s core processor should be a strategic partner that supports the bank’s long-term business objectives.
The ICBA Core Processor Resource Guide will help community banks with some of the more important aspects of managing this relationship to maximize the return on their technology investments.
Is your bank contemplating a new project to obtain strategic IT capabilities? Don’t know where to start? Visit our technology advocacy page for useful resources and documents.
Learn how to better optimize your core processor relationship with this member-exclusive webinar recorded April 14, 2021.
Title | Recipient | Date |
|---|---|---|
| ICBA Letter on AI Action Plan | 03/12/25 | |
| Letter in Response to Agencies’ RFI on Bank-Fintech Relationships | OCC | 10/30/24 |
| ICBA sends comments to the Treasury on AI | Treasury Department | 08/12/24 |
| ICBA signs joint letter to regulatory agencies requesting extension of commenting period on bank-fintech arrangements | FDIC, OCC, Federal Reserve | 08/09/24 |
| Comment Intake—LP Payment Apps Rulemaking | Consumer Protection Financial Bureau | 01/09/24 |
| ICBA comment on OMB proposed AI memo | Office of Management and Budget | 12/05/23 |
| Joint Letter on Aggregation Services Market | CFPB | 08/02/22 |
| Comments on Fed Accounts Supplemental Proposal | Federal Reserve Board | 04/22/22 |
| Joint Letter Supporting the Close the ILC Loophole Act | House Financial Services Committee | 04/05/22 |
| Support for Senate CBDC, FedAccount Bill | Sens. Cruz, Braun, Grassley | 04/04/22 |
May 05, 2025
Washington, D.C. (May 5, 2025) — The Independent Community Bankers of America® (ICBA) today announced the selected companies for its ninth ICBA ThinkTECH Accelerator program (AP9). In market May 19 - July 25, the solutions represented in the second cohort of 2025 cover a broad range of key areas critical in helping community bankers meet a wide range of customer needs.
“By fostering the vital connections and partnerships between community banks and innovative fintechs through our Accelerator program, we are empowering these institutions to adapt, flourish and deliver exceptional products and services in an ever-evolving market,” ICBA Executive Vice President and Chief Innovation Officer Charles Potts said. “We're proud to introduce this latest cohort, vetted by our ThinkTECH Selection Committee, which represents ICBA’s commitment to continuing to drive the forward-thinking solutions that enhance and redefine the future of community banking.”
After a rigorous selection process which evaluated applicants for overall team strength, sustainability, product maturity, and product-market fit, the following companies chosen for AP9 include:
Beta Financial Services – Offering BetaScore, an AI-powered credit scoring platform designed for community banks to make faster, more accurate data-driven SMB lending decisions.
Clockout – A white-labeled Earned Wage Access (EWA) infrastructure provider for community banks to offer on-demand pay through their digital banking apps.
DeepSee – Offers a flexible AI operating system that integrates with bank systems to streamline operations across the front, middle, and back office.
Overwatch Data – An AI-powered threat intelligence platform designed to extract personalized insights from the open, social, deep and dark web and deliver actionable insights for financial institutions.
Sardine – An AI-driven risk platform helping banks, fintechs and retailers prevent fraud, detect money laundering and improve credit decisioning.
Vertice AI – A provider of AI-powered predictive analytics helping community financial institutions drive customer growth and optimize marketing strategies.
Community banks can register to join in either open or private bank visit sessions. During the upcoming 10-week program, these companies will collaborate with a network of community bankers and industry leaders to refine their solutions to better meet the unique needs and demands for community bank adoption.
Since its inception, the ICBA ThinkTECH Accelerator has connected the most innovative fintech companies with more than 1,400 community bankers and industry leaders — identifying and designing workable solutions that solve modern banking needs.
ICBA would like to thank its sponsors Mastercard, Fiserv, Ncontracts, TrueNorth and Wipfli. These partnerships are vital for supporting the ThinkTECH Accelerator and ICBA’s innovation programming, which helps foster an environment where community banks flourish.
“In today's fast-paced and continuously shifting banking landscape, it's essential community banks have access to solutions that address their unique challenges and opportunities,” ICBA Senior Vice President of Innovation Programming Wayne Miller said. “This latest cohort brings together cutting-edge companies that are developing solutions with timely, real-world relevance in several key areas, critical for helping community banks enhance their operational efficiency, improve customer experiences, and stay competitive. We are excited to welcome this new cohort and look forward to supporting their journey as they work to further empower community banking innovation.”
For more information about the ICBA ThinkTECH Accelerator program, or to apply or nominate a fintech for future accelerators, visit www.icba.org/accelerator.
About ICBA
The Independent Community Bankers of America® has one mission: to create and promote an environment where community banks flourish. We power the potential of the nation’s community banks through effective advocacy, education, and innovation.
As local and trusted sources of credit, America’s community banks leverage their relationship-based business model and innovative offerings to channel deposits into the neighborhoods they serve, creating jobs, fostering economic prosperity, and fueling their customers’ financial goals and dreams. For more information, visit ICBA’s website at icba.org.
Title | Date |
|---|---|
| ICBA Summary of CFPB Proposals on No-Action Letters and Product Sandboxes | 01/15/19 |
| 11/18/16 |
Title | Committee | Presenter | Date |
|---|---|---|---|
| Enhanced Regulation of Digital Assets Will Promote Responsible Innovation | Senate Banking Hearing | 02/15/22 | |
| Statement for Senate Stablecoin Hearing | Senate Banking Committee | Written Statement | 12/14/21 |
| Statement for House Hearing on Digital Assets | House Financial Services Committee | Written statement | 12/07/21 |
| ICBA Statement for True Lender Hearing | Committee on Banking, Housing and Urban Affairs | ICBA | 04/28/21 |
| ICBA Statement for HFSC Fintech Hearing 9-29-2020 | HSFC | 09/29/20 | |
| Hearing: Examining the Fintech Landscape | Senate Banking, Housing, and Urban Affairs Committee | Written Statement | 09/12/17 |
