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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
2017-01-23 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 develop a payments strategy...
Skate to Where the Puck is Going
Skate to Where the Puck is Going TinasTake_SkatetoWherethePuckisGoing 2017-04-21 My favorite sport is ice hockey. My kids have been players since they were little, and my youngest is entering the...
Faster Payments — How Fast is Fast?
Faster Payments — How Fast is Fast? 2017-05-17 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...
Developing A Payments Strategy Part II: The Nitty Gritty
TinasTake_DevelopingPaymentsStrategyPart2 2017-02-22 Getting started is the most difficult part of any undertaking, but if you’ve been able to accomplish most of the steps I outlined in my last...
Protecting Consumers After the Equifax Data Breach
2017-10-18 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 information. Read the e-Book "Protecting...
Are You A Goal Digger? Six Professional Development Ideas for Payments Leaders
2017-12-05 Tina Giorgio: When I gaze back on my career, I see peaks and the valleys; the times where I knew where I was headed and the times where I felt I was driving at night without headlights....
2018: The Year of the Community Bank
TinasTake_YearoftheCommunityBank 2018-01-17 2018: The Year of the Community Bank There’s something about the start of a new year that breeds optimism and fresh perspective. Challenges give way to...
Increasing Cybersecurity: 3 Steps to Mitigate the Hacker’s Heist
Heading back from Las Vegas following ICBA’s annual convention, I can’t help but think about that heist flick, Ocean’s Eleven, as I consider today’s fraud landscape. The movie’s premise is this: A...