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Unpacking the Path to Today’s Instant Payments
When it comes to digital payments, we’ve come a long way. Global mobile payment transactions are valued at over $2 trillion, and more than three-quarters of consumers cite their preference for...
Community Banks Flock to ICBA ThinkTECH Accelerator as Program Reaches Peak Capacity
They say, "success begets success" and in the case of the ICBA ThinkTECH Accelerator program this timeless belief holds true. Before we even hit the halfway point on our fifth accelerator program...
How community banks can combat the rise of check fraud
In recent years, community banks across the nation have seen a drastic rise in check fraud. To compound the issue, many community banks are faced with challenges getting funds reimbursed from the...
What You Need to Know about the Reg II Update
July 1 is the compliance date for the clarification to Regulation II, which the Board of the Federal Reserve System approved in October. While this requirement has applied to card-present...
Support for FDIC Special Assessment Exemplifies ICBA’s One Mission: Community Banks
We urged the FDIC to finalize the rule as proposed and applauded the agency for using an assessment base that will result in no special assessments for any community bank with less than $5 billion...
ICBA Community Launches with Nearly 1,000 Members in First Week
It’s been an exciting week at ICBA. After months of behind-the-scenes work to fulfill our vision of building an online national professional network exclusively for community bankers, our ICBA...
After 15 Years, the Federal Government Should End its Conservatorship of Fannie Mae and Freddie Mac
A lot has changed in the 15 years that Fannie Mae and Freddie Mac have been in federal conservatorship, including a restoration of the health of the mortgage market and the financial strength of...
ICBA ThinkTECH Solutions Forum: A Pitch and Probe Approach to FedNow Solutions
Innovation, like time, is constantly moving forward, which is why even before we wrapped up our 2023 ICBA ThinkTECH Accelerator program, plans were well underway for the first of three ICBA...
The Fintech Assist: What Community Banks Can Expect Next in Fintech Payments
Sixty percent of all fintech startups are intersecting with the payments space in some manner. Increasingly, they’re partnering with banks or targeting their offerings directly to support community...
Sheltered Harbor Continues Expansion to Protect Against Rise of Malware
With traditional backup and recovery systems at risk of compromise in the event of a malware attack on IT systems, ICBA helped found the Sheltered Harbor initiative to protect against cybercrime.
Domestic Regulatory Environment for Digital Assets Continues to Evolve
The significant upheaval in the crypto markets has accelerated Washington’s attention to digital assets policy.
The Howey Test, Crypto, and Community Banks: How the Debate between the SEC and CFTC Impacts Community Banks
What is the true nature of cryptoassets? Are they securities or commodities? This question, perhaps more than any other, has propelled policy debates over the past few years.
ICBA’s Rebrand: Writing the Next Chapter for Community Banking
Our mission is central to everything we do, and the pride that comes from that every day is nothing short of inspiring. Much like the community banks we serve, ICBA is continuously evolving,...
Beyond Cards: ICBA Payments Launches to Help Community Banks Meet Their “Why”
As payments has evolved, so has ICBA Bancard, and with that came the opportunity to rebrand who we are in light of our why. I’m proud to introduce ICBA Payments.
ICBA: Accelerating Community Bank Innovation
This time of year, we take stock of our accomplishments and look ahead to the possibilities and opportunities awaiting us in the coming year. Certainly, when it comes to blazing ICBA’s innovation...
Six Payment Trends Shaping Community Bank Priorities in 2024
To ease the regulatory and economic forces pressuring margins and embrace new payments opportunities, community banks should focus on six key trends this year to drive their payments plans and...
Artificial Intelligence: Hype vs. Reality and What it Means for Community Banks
To help separate fact from fiction, let’s start with a working definition of AI and related terms, before discussing a few notable use cases for community banks.
Regulatory Perceptions of Artificial Intelligence and What They Mean for Community Banks
Federal banking regulators so far have approached regulating the use of artificial intelligence through the lens of existing regulation. But based on various regulatory announcements, there are...
Why Shifts in Payments Behavior Are Driving Community Bank Innovation
We have been experiencing an acceleration in innovation since the start of the pandemic. MuleSoft reported that in 2022, 72 percent of customer interactions occurred over digital channels proof...
Unlocking Potential: Community Banker University is now ICBA Education
As ICBA and our industry continues to differentiate and evolve, we are excited to announce the next stage of our journey as we rebrand from Community Banker University to ICBA Education.