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Megabanks Continue Exiting Local Communities
Megabanks Continue Exiting Local Communities The latest news from Wells Fargo reinforces what we've long known about Wall Street—when the going gets tough, the megabanks head for the exits. By...
Minority Banks: Too Important to Lose
Minority Banks: Too Important to Lose 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...
Detecting and Mitigating Synthetic Identity Fraud
Detecting and Mitigating Synthetic Identity Fraud 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. By Tina...
Core Providers Weigh in on Community Bank Innovation
Core Providers Weigh in on Community Bank Innovation “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...
Boarding Up the ILC Loophole
Boarding Up the ILC Loophole ICBA continues to lead the opposition to mixing banking and commerce through exploitation of the ILC loophole, recently expressing strong support for new legislation...
Same Day ACH: A Viable Faster Payments Solution for Community Banks
Same Day ACH: A Viable Faster Payments Solution for Community Banks In 2018, Same Day ACH volume reached 178 million transactions, an increase of 137 percent over the previous year. As a readily...
Relationships That Stand the Test of Time
Relationships That Stand the Test of Time 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...
Reflection and Ruminations
Reflection and Ruminations 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...
Navigating a New Decade of Payments
Navigating a New Decade of Payments From concerns about Libra to the development of the Federal Reserve’s FedNow real-time payments settlement service, policymakers are poised for action on behalf...
Into the weeds on the QM patch
Into the weeds on the QM patch The debate over housing-finance reform often ends up deep in the weeds, but the esoteric details are often of the utmost importance to community banks. Recent...
Digital Wallets: An Overview
Digital Wallets: An Overview As customer expectations continue to shift, digital wallets—or mobile wallets as they are sometimes called—continue to grow in popularity as a preferred payment option....
Digital-First: Meeting Customers Where They Are
Digital-First: Meeting Customers Where They Are When it comes to financial services, almost 63 percent of the U.S. population uses digital banking. So, as a community bank, if you are not...
Accelerator: Driving Data Analytics and Reducing Fraud
Accelerator: Driving Data Analytics and Reducing Fraud Community banks with fewer resources and less money to invest in technology than their larger counterparts, may view using data analytics as...
Unexpected Benefits of ICBA’s ThinkTECH Accelerator
Unexpected Benefits of ICBA’s ThinkTECH Accelerator ICBA's Kevin Tweddle discusses unexpected benefits of ICBA's ThinkTECH Accelerator program with community bankers John Buhrmaster of First...
ThinkTECH Accelerator: Purposeful Development
ThinkTECH Accelerator: Purposeful Development As we welcomed in the new decade, ICBA signaled its ongoing commitment to community banking innovation with the launch of our second ICBA ThinkTECH...
Capitalizing on Change in 2020
One thing is for certain – and that is change. With the advent of new technologies and solutions, education will be the indispensable complement to ensure community banks can take advantage of the...
New Driver of Payments Growth: Fed Study Shows Debit Transactions As Opportunity for Community Banks
New Driver of Payments Growth: Fed Study Shows Debit Transactions As Opportunity for Community Banks The latest iteration of the Fed’s triennial study showed that in 2018, noncash payments¹...
Resolve to Take Grassroots Action in 2020
Resolve to Take Grassroots Action in 2020 Your perspective as a community-based, taxpaying business is exceptionally helpful to the people who write and enforce the regulations you (and credit...
Finding 65 million consumers: Using alternative data to acquire new customers
Finding 65 million consumers: Using alternative data to acquire new customers Relationship banking is nothing new to community banks. Novel underwriting techniques and recent regulatory guidance...
Building ICBA’s Innovation Team
Building ICBA’s Innovation Team As an industry, we’re at a pivotal stage where the pace of change increases daily and digital transformation rocks our reality. But amidst everything, community...