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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...