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Myth Busting: 3 Truths About FedNow
Instant payments have arrived. In the five years since the launch of the RTP Network, volumes have steadily increased by more than 10 percent per quarter, and in Q3 2022, the network moved 45...
Faster Payments Have Arrived — Now What About Competition, Fraud, and Strategy? Part 2
Here's part two of a continuing conversation on faster payments, diving into Same Day ACH, competition, fraud, and strategic vision.
5 Ways Community Banks Can Manage the Card Chip Shortage
A semiconductor chip shortage has emerged as a real challenge for banks. Industries from automobile manufacturing to consumer electronics have been reporting issues for months, and now the effects...
How Open Banking Can Help Community Banks Deliver on Digital Expectations
Have you ever been ready to jump into your next meeting only to notice you didn’t have your mobile phone? If so, I’m betting you felt a sense of panic. Because without it, you’d lost your lifeline.
Is Your Community Bank Watching Social Payments? Five Questions to Guide Your Path Forward
The average person spends nearly two and a half hours on social media per day, so it’s no wonder social payments have started to infiltrate the financial services industry.
4 Ways Community Banks Can Attract Gen Z Customers
With the eldest members of Gen Z clocking in at age 24, they represent a market ripe for targeting with banking services. But what they are looking for differs from what Millennials and Gen X...
How the 8-Digit BIN Standard Impacts Your Community Bank
In less than two months, the ISO standards update for 8-digit Bank Identification Numbers, or BINs, takes effect. This new standard means that card processors must be able to accommodate and manage...
A Seat at the Payments Table: How Bancard Is Working for Community Banks
As we usher in 2022, community banks face a new sense of urgency around their payment products.
Three Post-Pandemic Payments Trends and What They Mean for Community Banks
The pandemic has clearly had a lasting impact on customers’ payment behaviors, marked by an unprecedented rise in ecommerce transactions. Amidst this sea of change, community banks are asking,...
How to Avoid the Repercussions of “Friendly Fraud”
Friendly fraud is on the rise, now accounting for up to 75% of all chargebacks. From kids using their parents’ cards to purchase items to flat-out falsification, friendly fraud occurs when a...
Why Small Business See a (Use) Case for Instant Payments
According to the Federal Reserve, nine in 10 businesses (or 29.25 million) expect to be able to send and receive instant payments by 2023. Fortunately, in many cases, community-based financial...
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...
Developing A Payments Strategy Part I
Developing A Payments Strategy Part I Tina Giorgio: In the six months that I’ve been president and CEO of ICBA Bancard, a recurring question I keep hearing from community bankers is, “How do I...
Skate to Where the Puck is Going
Skate to Where the Puck is Going Tina Giorgio: As we move into the NHL Stanley Cup Playoffs, and I move into a series of discussions on U.S. faster payments efforts, I am reminded of a quote from...
Faster Payments — How Fast is Fast?
Faster Payments — How Fast is Fast? Tina Giorgio: Faster payments is a drum you’ll frequently hear me beat and I have made it something of a personal mission, to ensure that the voices and concerns...
Developing A Payments Strategy Part II: The Nitty Gritty
Developing A Payments Strategy Part II: The Nitty Gritty Tina Giorgio: In my former role as a community banker, I always found it helpful to create visual aids to clarify complex relationships and...
Protecting Consumers After the Equifax Data Breach
Protecting Consumers After the Equifax Data Breach Tina Giorgio: While we wait for the details on the Equifax breach, we have found the community banks are taking the lead in protecting customer...
Are You A Goal Digger? Six Professional Development Ideas for Payments Leaders
Are You A Goal Digger? Six Professional Development Ideas for Payments Leaders Tina Giorgio: When I gaze back on my career, I see peaks and the valleys; the times where I knew where I was headed...
2018: The Year of the Community Bank
2018: The Year of the Community Bank Tina Giorgio: There’s something about the start of a new year that breeds optimism and fresh perspective. Challenges give way to opportunities, and obstacles...
Increasing Cybersecurity: 3 Steps to Mitigate the Hacker’s Heist
Increasing Cybersecurity: 3 Steps to Mitigate the Hacker’s Heist Tina Giorgio: With threats continuing to emerge, I sat down with ICBA’s cyber expert, Jeremy Dalpiaz, assistant vice president of...