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Digital Payments: Defining Opportunities for Community Banks
Digital Payments: Defining Opportunities for Community Banks The payments landscape continues to evolve. Whereas checks and cash were the dominant payments instruments 40 years ago, today digital...
The Venture Center and ICBA: Strategically Aligned to Fuel Innovation
The Venture Center and ICBA: Strategically Aligned to Fuel Innovation ICBA's Kevin Tweddle discusses ICBA's strategic alliance with The Venture Center to help fuel community bank innovation. By...
What's Next for Cannabis Banking
What's Next for Cannabis Banking Following a successful grassroots advocacy campaign, the House of Representatives recently passed ICBA-supported legislation to create a cannabis banking safe...
Using Your Web Address to Fight Phishing and Cyberattacks
Using Your Web Address to Fight Phishing and Cyberattacks In honor of National Cybersecurity Month, ICBA's Jeremy Dalpiaz extols the benefits of using a .BANK domain as an additional safety...
Let's Wake Washington Up to the Credit Union Threat
Let's Wake Washington Up to the Credit Union Threat ICBA and community bankers are sounding the alarm with the launch of a nationwide campaign calling on policymakers and the public to open their...
Community Banks Can Directly Influence the Future of Faster Payments
Community Banks Can Directly Influence the Future of Faster Payments Today, faster payments are changing the overall payments landscape. With the advent of Same Day ACH, The Clearing House’s...
ThinkTECH Accelerator: Through the Lens of a Mentor
ThinkTECH Accelerator: Through the Lens of a Mentor ICBA Bancard President and CEO Tina Giorgio reflects on her experiences as a mentor in the ICBA ThinkTECH Accelerator program. By Tina Giorgio As...
Supporting Financial Choice for Service Members
Supporting Financial Choice for Service Members As the House and Senate are busy negotiating final language for defense spending legislation, community banks are working to provide military service...
Digital Payments Strategy: A Necessity for Your Community Bank
Digital Payments Strategy: A Necessity for Your Community Bank Digital payments continue to grow in popularity as an easy-to-use way for both businesses and consumers to make payments. Not only...
Working Together to 'Wake Up' Congress
Working Together to 'Wake Up' Congress We're a week into ICBA's new "Wake Up" campaign taking on credit unions' risky practices and tax exemption, and the community bank response has been...
ICBA ThinkTECH: A Vision Come to Fruition
ICBA ThinkTECH: A Vision Come to Fruition 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...
Faster Payments: An Overview of Options for Community Banks
Faster Payments: An Overview of Options for Community Banks While all faster payments options have one thing in common—moving money and information faster—there are often distinct differences or...
Strategies to Help Fight Back Against Card Fraud
Strategies to Help Fight Back Against Card Fraud First-party fraud and synthetic identity fraud is an area of growing concern, exacerbated by difficulties of identifying these attacks, but there...
Waking Up to the Credit Union Scare
Waking Up to the Credit Union Scare Several ICBA staffers are handing out Halloween cards and candy to every congressional office on Capitol Hill to encourage lawmakers and staff to open their eyes...
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...
ThinkTECH Accelerator: Addressing Lending & Technology Pain Points
ThinkTECH Accelerator: Addressing Lending & Technology Pain Points Community banks continue looking for ways to grow loan volume and improve the customer experience in the process. In today’s...
Accelerator: Supporting Customer Acquisition and Retention
Accelerator: Supporting Customer Acquisition and Retention In today’s economy, community bankers are looking more and more to their digital channels for new customer opportunities, especially those...
Accelerator Addresses Financial Well-Being
Accelerator Addresses Financial Well-Being Let’s face it. We’re not living in our parents’ financial services world. In today’s immediate gratification society, our concern lies more with what’s...
ICBA LIVE ThinkTECH Showcase: Know Before You Go
ICBA LIVE ThinkTECH Showcase: Know Before You Go What differentiates ThinkTECH Accelerator participants from the fintech world at large? The difference lies in the input, guidance and insights...
Community Banks Remain Vigilant Amid COVID-19 Cyber Threats
Community Banks Remain Vigilant Amid COVID-19 Cyber Threats As more and more consumers are moving to online banking during the coronavirus pandemic, some for the first time ever, criminals are...
Standing Together For Our Communities
Standing Together For Our Communities As the coronavirus emergency continues, ICBA has been working around the clock and through the weekend to ensure critical reforms and resources are available...
Congress Passes Stimulus with Key Community Bank Provisions
Congress Passes Stimulus with Key Community Bank Provisions While you have stood strong for your customers and communities, ICBA has been standing strong in Washington to shape and advance this...
Preparing your community bank for the coronavirus
Preparing your community bank for the coronavirus On Jan. 30, the World Health Organization and U.S. Department of Health and Human Services declared public health emergencies in response to the...
Standing up for small business
Standing up for small business Despite strong ICBA and community bank opposition, the Small Business Administration is moving ahead with a rule that could significantly harm its guaranteed lending...
Coronavirus Could Accelerate Decline of Cash
Coronavirus Could Accelerate Decline of Cash The coronavirus outbreak is raising concerns about the use of cash as more Americans embrace digital technology to pay and get paid. These ongoing...
How to Help Your Small-Business Customers During the Pandemic
How to Help Your Small-Business Customers During the Pandemic During times of crisis, such as today’s COVID-19 pandemic, small businesses rely on community banks for help in navigating the...
Key Provisions for Community Banks Secured in Stimulus Bill
Key Provisions for Community Banks Secured in Stimulus Bill Undoubtedly due to the tireless efforts of Team ICBA, community bankers secured key provisions in the stimulus bill that will help them...
Treasury Issues Paycheck Protection Program Information
Treasury Issues Paycheck Protection Program Information Just as community bankers are working nonstop to support their local customers and communities amid the coronavirus outbreak, ICBA is working...
ICBA ThinkTECH Accelerator: Navigating the New Norm and Giving Back
ICBA ThinkTECH Accelerator: Navigating the New Norm and Giving Back The technologies community banks have deployed over the past decade—from mobile apps to remote deposit capture to contactless...
Latest Updates to SBA Paycheck Protection Program
Latest Updates to SBA Paycheck Protection Program There are many late-breaking developments from the Treasury Department and Small Business Administration on the Paycheck Protection Program, and we...
SBA Launches PPP Portal, Issues FAQs
SBA Launches PPP Portal, Issues FAQs The SBA launched a long-awaited portal while ICBA Chairman Noah Wilcox and ICBA Vice Chairman Brad Bolton participated in a virtual White House meeting with...
Senate passes PPP extension with community bank allocation
Senate passes PPP extension with community bank allocation The Senate just passed bipartisan legislation that includes an additional $310 billion to restart the Paycheck Protection Program and an...
Charting the Path Forward
Charting the Path Forward Community banks have always demonstrated courage and commitment in helping customers thrive in good times and in adversity. As bankers well know, with every crisis comes...
SBA PPP Systems Reserved for Banks Under $1 Billion in Assets Later Today
SBA PPP Systems Reserved for Banks Under $1 Billion in Assets Later Today The Small Business Administration just announced that to ensure access for the smallest lenders and their small-business...
PPP Solutions Showcase: Fintechs Support Calculating, Tracking, and Reporting Forgiveness
PPP Solutions Showcase: Fintechs Support Calculating, Tracking, and Reporting Forgiveness Necessity truly is the mother of invention. Community banks have all felt that over the past few weeks as...
Leading alongside our teams
Leading alongside our teams It’s the time of year when we celebrate the relationships in our lives, and it’s a great time to build connections at home, within the community or in the workplace....
Emergency Program Rollout Left Out Too Many Community Banks and Their Customers
Emergency Program Rollout Left Out Too Many Community Banks and Their Customers Unfortunately, the Payment Protection Program rollout did not work for many of the nation’s community bankers. In my...
SBA Posts Lender Agreement Amid Flawed Launch
SBA Posts Lender Agreement Amid Flawed Launch We know today's flawed launch of the Small Business Administration's Paycheck Protection Program has been filled with high tensions and desperate...
SBA Provides Answers on PPP Notes, Forgiveness Period
SBA Provides Answers on PPP Notes, Forgiveness Period The Treasury Department and Small Business Administration just answered key questions ICBA has been asking about the Paycheck Protection...
Community Bankers Give Back in Light of COVID-19 Crisis
Community Bankers Give Back in Light of COVID-19 Crisis In the face of a global pandemic, it’s easy to be drawn into a doom-and-gloom mindset that focuses only on the negative. At ICBA, we know...
SBA Offers PPP Answers on Directors, Partnerships, and More
SBA Offers PPP Answers on Directors, Partnerships, and More The Treasury Department and Small Business Administration just answered key ICBA questions about the Paycheck Protection Program relating...