Payments

From instant payments and real-time payments to AI-powered customer service, today’s consumers—and small businesses—expect banking speed without sacrificing security. Here’s how community bankers are meeting the need for faster payments, operational efficiency, and stronger fraud prevention.

When small businesses receive financial guidance from community banks, they build stronger financial habits—and payments tools like business credit cards help them grow.

SPONSORED | In this new Q&A, Chief FedNow® Executive Nick Stanescu shares what’s driving instant payment growth and how new advancements give banks fresh ways to strengthen the value they deliver to customers. 

Fintechs are making technological advancements to help ease the credit card chargeback load on community banks.

SPONSORED | Modern branch design is only half the story. Community banks that break free from fragmented systems and embrace a more unified, flexible technology foundation unlock faster service, stronger visibility, and the agility to evolve—without sacrificing the personal connections customers value most.

While the federal government appears to be phasing out paper checks, checks aren’t going away as a payment method anytime soon. We look at how checks are evolving, and how community banks can advocate for fraud solutions and check infrastructure to continue to serve their customers’ needs.

SPONSORED | To stay competitive and continue providing the vital banking services their communities depend on, community banks need every advantage available to grow high-value relationships. Reciprocal deposits are an essential tool that allow community banks to support local deposit and lending needs.

Two new Nacha rules went into effect in March aimed at strengthening banks’ defenses against ACH payment scams and frauds. Here’s what experts say about these new rules and the best ways for community banks to comply with them.

Digital wallets are now the transactional platform of choice. A Worldpay study projected that by 2030, digital wallets will be used in 44% of all U.S. e-commerce and 26% of in-store transactions.