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3-2-1 We Have Contactless!
2018-07-30 by Tina Giorgio It often seems as though there’s a technology du jour in our industry. As fast as one solution takes center stage, a shiny, new option emerges and all heads turn. This...
Navigating the New Norm with Digital Optimization
Navigating the New Norm with Digital Optimization TinasTake_FasterPaymentsRevolution 2020-04-28 By Tina Giorgio As they navigate today’s social distancing climate, community banks are finding new...
Safeguarding Against Fraud in a COVID-19 Era
2020-05-20 Covid Scams Despite numerous warnings from the FBI, IRS and others, fraudsters are capitalizing on the pandemic to take advantage of consumers, highlighting the importance of community...
Three Reasons You’re Not Achieving Your Leadership Goals
2018-09-14 Vince Lombardi had it right when he stated that, “Leaders aren’t born, they are made.” Leadership is a process. And, like any process it begins by envisioning a desired outcome and...
2018: A Year of Fresh..
TinasBlogYearofFresh 2018-12-21 In an e-book published last week by PYMNTS.com, “Fresh” is how I described payments in 2018. I can’t think of a time when we’ve seen as many innovations emerge in...
Real Talk About Real-time Payments
Realtimepayments 2019-01-31 Real Talk About Real-time Payments As some of you may know, advancing real-time payments has been a pet project of mine for several years. There are many factors...
ThinkTECH Accelerator Finalists Demonstrate Their “Whys”
ThinkTECH Accelerator Finalists Demonstrate Their “Whys” Tina Giorgio: Whether I’m working with banking professionals or with entrepreneurs in the fintech space, I have one key piece of advice: I...
COVID-19: Considerations for Card Issuers
2020-03-30 By Tina Giorgio Considering the current environment and how coronavirus has impacted so many facets of the payments industry, I wanted to draw your attention to the following fraud tips...
Reflecting on ICBA Bancard’s 35-Year History of Success
2020-06-30 In celebration of ICBA Bancard’s 35th anniversary, I sat down with our Chairman Greg Deckard, president, CEO and chairman of State Bank Northwest to reflect on key milestones that have...
Positioning ICBA Bancard for the Future: What’s Your Why?
2020-07-14 Back in 1985, the first Macintosh computer debuted, and by today’s standards, it was a boxy, clunky, slow unit, yet Consumer Reports gave it a glowing review and cited the mouse and use...
The Big Trouble with Big Tech
2020-12-21 By Tina Giorgio Last month Google unveiled its new Google Pay app—complete with a DDA-like account attached. Heralded as a “smart bank account” in a mobile-first environment, this new...
Seeing the Story Behind the Numbers: Introducing Eric Kirchner
Eric Kirchner joined the team in January 2025 as senior vice president, strategic finance. In this role, he contributes to the financial modeling and forecasting for all aspects of the ICBA...
Combating Fraud: One Attack at a Time
The numbers don’t lie: fraud losses are on the rise, with 61% of financial organizations reporting direct losses of over $500,000 in a 12-month period. In addition, 52% of mid-market organizations...
ICBA Payments is Bringing Push-to-Card Payments to Community Banks
ICBA Payments is committed to helping community banks keep pace with innovation in the payments space. When FedNow launched, ICBA Payments partnered with market leader, Pidgin, to ensure that banks...
Weighing Your Card Options with ICBA Payments
For community banks and their customers, options are key. Just as no two communities are alike, no two community banks are the same, so we need the flexibility to create solutions that meet our...
ICBA Payments and TCM Bank Welcome Kelly Kroskie as EVP of Digital Transformation
ICBA Payments, the payments subsidiary of the Independent Community Bankers of America (ICBA), today announced the appointment of Kelly Kroskie as executive vice president, digital transformation...
ICBA Payments and Mastercard Partner to Upgrade Customer Payment Experiences for Community Banks
ICBA Payments, the payments subsidiary of the Independent Community Bankers of America® (ICBA), announced today its new partnership with Mastercard to offer upgraded and enhanced card and payment...
What to Say to Customers When They Are Being Scammed
Whether your bank’s goal is to acquire new card accounts or boost usage from your existing cardholders, marketing plays a key role. No marketing means stagnant portfolios and low revenue.
Relationship Managers Are Here for You
What 2025 holds for payments remains to be seen. Decreasing interest rates may fuel larger spending and comfort with revolving credit, but some businesses have begun limiting their acceptance of...
The Card Trends to Watch in 2025
What 2025 holds for payments remains to be seen. Decreasing interest rates may fuel larger spending and comfort with revolving credit, but some businesses have begun limiting their acceptance of...
Marketing Made Easier with Ready-to-Use Toolkits
Whether your bank’s goal is to acquire new card accounts or boost usage from your existing cardholders, marketing plays a key role. No marketing means stagnant portfolios and low revenue.
Lessen the Impact of Card Fraud with ICBA Payments’ Fraud Loss Protection Plan
Card fraud losses constitute a significant percentage of a bank’s card program’s costs. In fact, according to the Nilson Report, card fraud accounted for $33 billion in losses worldwide in 2022,...
Leveling Up with Payments
It’s not an easy time for community banking. Each day, we must balance changing interest rates, increasing fees, new technology demands, and mounting customer expectations, which leaves us...
Instant Payments Pilot Opportunity
In case you missed it, ICBA recently announced a partnership with Pidgin, a company that provides best-in-class faster payments capabilities. The partnership is aimed at supporting community banks...
Mitigating Instant Payments Risk to Reap Rewards
Today’s fraud attacks don’t seek out a faster transaction; they look for a chink in the armor and the path of least resistance. That’s why I’m a big believer in cross-channel fraud detection.
ICBA Bancard: Supporting Your Digital Payments Transformation Journey
Digital transformation is a hot topic and a broad concept. It's hard to go a day without hearing a related buzz word or related article on how to do it, why it's important, or what to focus on first.
The Emerging Influence of Open Banking
One of fintech companies’ most disruptive influences is not necessarily taking away primary deposit relationships, it’s how they motivate consumers to pick and choose apps for all kinds of services.
Why Instant Payments Should Be on Your Digital Transformation Road Map
Even if you aren’t hearing the words “faster payments” or “instant payments” directly from your customers, trends and research show the demand is there – and rising.
Navigating The Waters of Digital Transformation
For years, digital transformation has been top of mind, and community bankers have been diligently evaluating our infrastructure, identifying needs, and developing our individual approaches. That...
Seven ways to use card-on-file to reach top of digital wallet
Ecommerce sales are projected to grow from $4.2 trillion worldwide in 2020 to $5.4 trillion in 2022, according to Statistica. And in North America, card-not-present transactions (excluding travel)...
Digital Payments Fraud: New Conveniences, New Opportunities for Fraudsters
Though consumers have embraced ACH and wire transfers as essential ways to pay and move money, digital tools have increasingly become popular payment methods for consumers due to their convenience...
A Note from the Chairman - Bancard Amplifies Our Voices
From digital transformation to the ramp up to instant payments with FedNow and beyond, payments have become the hot topic du jour. However, as community banking executives, we’re juggling multiple...
Increase Credit Card Income with Comprehensive Marketing Programs
Card programs make significant contributions to banks’ revenue through interchange fees, interest charges on credit card balances, and balance transfer fees. Large financial institutions with deep...
Marketing Your Credit Card Program: A Community Bank in Alabama Weighs In
Ecommerce credit card spend is expected to surpass $500 billion in 2022 for the first time, according to insiderintelligence.com. Community bank marketers will need to be strategic in their...
Knowledge is Power – Turn Your Customers into Defenders
Falling victim to fraud or a scam can be an embarrassing and costly experience. According to a CNBC report published this year, consumers reported fraud losses of more than $5.8 billion in 2021,...
Marketing in the round: Using a 360-degree marketing strategy to reach today’s prospects
In the pre-digital age of marketing, connecting with potential new customers was relatively simple. Everyone watched the same TV channels, listened to the same radio stations, and read the same...
Start simple: free marketing assets for community banks
There are several resources available to community bankers who want to market their credit or debit card program. Below are sites we recommend, which all house free marketing and educational...
Payments One Credit Enhances the Small Business & Commercial Card Experience
Small business and commercial card payments are an exciting growth and relationship opportunity for community banks. Both small business and commercial card types hold strong value and the size and...
Building a Commercial Card Program – A Missouri Community Banker Weighs In
When Chad King, director of business services at $3.5 billion-asset First State Community Bank in Farmington, Mo., came to the bank nearly a decade ago, they charged him with setting up merchant...
Visa SMB Pulse Payment Outlook and Trends
A recent Visa commissioned survey provides insights into credit usage by small- to mid-sized businesses (SMBs) in the United States.