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Preserving the Integrity of the Bank Charter: The Community Bank Perspective
Preserving the Integrity of the Bank Charter: The Community Bank Perspective Community banks welcome technological innovation, but we must also recognize that technological change underscores the...
ICBA to Fed: Speed Up FedNow Launch
ICBA to Fed: Speed Up FedNow Launch The Independent Community Bankers of America today called on the Federal Reserve to accelerate implementation of its FedNow real-time payments service....
ICBA Bancard Launches Digital Payments Strategy Guide
ICBA Bancard Launches Digital Payments Strategy Guide ICBA Bancard, the payments services subsidiary of ICBA, announced the launch of its interactive tool to help its community bank clients create...
Fed announces details of real-time payments service
Fed announces details of real-time payments service The Federal Reserve Board released details of its forthcoming FedNow real-time payments service, which it is seeking to launch in 2023 or 2024....
ICBA opposes OCC talk of narrow-purpose payments charter
ICBA opposes OCC talk of narrow-purpose payments charter ICBA and other groups expressed opposition to the OCC's recent discussions to offer a narrowly focused payments charter. ICBA and other...
ICBA Bancard Names Octavia Washington AVP, Operations Analyst
ICBA Bancard Names Octavia Washington AVP, Operations Analyst ICBA Bancard, the payments subsidiary of the Independent Community Bankers of America, today announced that Octavia Washington has...
ICBA FAQs detail Economic Impact Payments
ICBA FAQs detail Economic Impact Payments ICBA updated its frequently asked questions on the federal response to the COVID-19 pandemic with information on Economic Impact Payments—the federal...
ICBA Bancard Celebrates 35 Years of Service to Community Banks
ICBA Bancard Celebrates 35 Years of Service to Community Banks ICBA Bancard, the payments subsidiary of the Independent Community Bankers of America, is celebrating its 35th anniversary during the...
Leverage the Power of AI to Predict Delinquencies
Leverage the Power of AI to Predict Delinquencies Artificial intelligence is a hot topic across all lines of business in all industries, and banking is no exception. How an institution views AI’s...
Main Street Victory: ICBA Applauds Fed on Real-Time Payments Decision
Main Street Victory: ICBA Applauds Fed on Real-Time Payments Decision ICBA today applauded the Federal Reserve for its decision to develop a real-time payments system—a longtime ICBA priority. ...
Fed Close on Faster Payments—Make Some Noise
Fed Close on Faster Payments—Make Some Noise With the Federal Reserve closing in on its decision about whether to take a leadership role in faster payments, ICBA is urging community bankers to...
Podcast Features Community Bank Payment Trends
Podcast Features Community Bank Payment Trends ICBA Bancard’s Tina Giorgio and TCM Bank’s Damon Moorer were featured in the latest This Month In Banking podcast by the Kafafian Group. The 30-minute...
Visa: EMV Shift Crushing Counterfeit Fraud
Visa: EMV Shift Crushing Counterfeit Fraud The shift to EMV chip technology has reduced card-present counterfeit payment fraud by 82 percent at chip-enabled merchants, Visa said. More than 3.1...
Boston Fed Encourages Tokenization Collaboration
Boston Fed Encourages Tokenization Collaboration Federal Reserve Bank of Boston researchers encouraged stakeholders to continue collaborating on the development of payment tokenization. Noting that...
ICBA Comments on Real-time Monitoring of Fedwire Transfers
ICBA Comments on Real-time Monitoring of Fedwire Transfers ICBA responded to a Federal Reserve Board request for comment regarding a proposed change to its policies for measuring intraday credit or...
Giorgio Shares Finovate Observations
Giorgio Shares Finovate Observations In a new blog post, ICBA Bancard President and CEO Tina Giorgio recaps the latest financial technology innovations showcased during last month’s Finovate...
ICBA Supports Fed’s Faster Payments Recommendations
ICBA Supports Fed’s Faster Payments Recommendations ICBA today voiced support for the Federal Reserve Faster Payments Task Force’s final report detailing its ten recommendations to enhance the...
ICBA Supports Repeal of Price Controls on Debit Card Interchange
ICBA Supports Repeal of Price Controls on Debit Card Interchange Rep. Randy Neugebauer’s bill would reverse costly policy Washington, D.C. (June 15, 2016)—The Independent Community Bankers of...
ICBA Supports Revisions to Remittance Rule
ICBA Supports Revisions to Remittance Rule Updates Help Ensure Continued Access to Remittance Transfers for Community Bank Customers Washington, D.C. (May 1, 2013)— The Independent Community...
ICBA: Survey Finds Community Banks Focused on Reducing Payments Fraud
ICBA: Survey Finds Community Banks Focused on Reducing Payments Fraud Washington, D.C. (Feb. 28, 2013)—While payments fraud continues to rise, community banks are using technological solutions and...
Instant Payments Insights Every Community Bank Needs
Vendors share their specialized insight into the instant payments market to help community banks understand how they can grow in this technology-forward area.
Charles Potts: The Process of Bringing Innovation to You
Technology has become an integral part of success in banking.
What Innovative Advantage Does Cloud Lending Give Community Banks?
Community banks are using cloud technology to improve efficiency and enhance customer convenience. See how cloud lending is transforming operations for banks and borrowers alike.
Jacob Eisen: A Can't-Miss Business Card Opportunity
Thirty-four percent of small businesses in the U.S. are not comfortable with their cash flow in today’s economy, according to the U.S. Chamber of Commerce Small Business Index for Q1 2025.
Maximizing Profitability with Today's Point-of-Sale Tech
The goal of community banks in a digital age: Be top of wallet. Learn how to take advantage of growing POS innovations like digital wallets.
Charles Potts: Turning Strategy Into Success With the Right Tech
In the current economic environment, your bank’s strategy is worth its weight in gold.
Unlocking Strategic Advantages with ECM Technology
Selecting the right ECM solution for your financial institution can unlock strategic advantages.
Jacob Eisen: Changing for the Better
Winston Churchill famously said, “To improve is to change, so to be perfect is to have changed often.”
What Role Will Your Core Play in Open Banking?
The CFPB’s open banking rule opens financial data to authorized third parties. Will your core processor be ready if it takes effect?
5 Ways Community Banks Can Take Advantage of FedNow
FedNow has solidified its place in the banking industry, and now’s the time for community banks to get in on the action. Learn how your bank can ease the instant payments system into its operations.
Proven Practices For Back-Office Efficiency
Shrinking net interest margins, rising costs, and manual processes challenge community banks to maintain efficiency and profitability in a competitive market.
IT MSP, Integris, Reveals Top IT Trends for the Second Year in New Report, “Understanding US Banks’ Annual IT Spend in 2025”
Discover where banks stand on technology in 2025! Our survey of 1,000+ bank executives reveals IT’s growing role, key infrastructure needs, cybersecurity concerns, and economic impacts.
Loan Pricing strategies: Don’t let your bank become a Castaway.
With rapidly changing market conditions, your bank could easily find itself isolated like Tom Hanks in Castaway, on a desert island alone.
Jacob Eisen: The Difference Between Direct and Agent Bank Credit Card Programs
Credit cards remain the most widely used credit product in the U.S., and the Federal Reserve’s latest payments study points to a continued climb in the number of card transactions, their overall...
Kick Lending Up a Notch With Digital Solutions
Increased efficiency and fewer errors are just two of the benefits of digitalizing your loan production process.
Future-Proofing Community Banks: Upgrading Check Processing to Enhance Security, Efficiency, and Remain Competitive
Checks remain vital, requiring banks to consolidate systems for better efficiency and fraud mitigation. Modern solutions enhance security, streamline processing, and provide real-time fraud detection.
7 Lessons Learned by FedNow® Service Participants
Financial institutions live on the FedNow Service have shared valuable lessons they learned along their instant payment journeys.
Powering Potential: Rethinking Your Payments Strategy With ICBA Payments
ICBA Payments hasn’t just rebranded. It has begun a multiyear phased investment strategy to modernize its technology and service offerings, which are designed to elevate your bank’s payments strategy.
Lance Noggle: It's Time to Bolster Cybersecurity Measures—Now and Forever
As the costs of data breaches continue to rise, it’s essential for community banks to access and use available federal cybersecurity tools for combating fraudsters and bad actors.
How Can Community Banks Ride the Digital Wallet Wave?
Looking to drive card usage and ensure continued deposit recapture? As the use of digital wallets continues to accelerate, here’s how you can participate and benefit from this trend.
Can Software Solve Your Bank's Board Management Woes?
From scheduling and information-sharing to bolstered security, board management software could smooth the bumps in the road that come with manual management processes.
The Hidden Risks of Legacy Technology: A Community Banker’s Guide
IBT Apps’ newest ebook is available now! Explore the critical risks of legacy systems and learn about a modern solution that helps future-proof your bank.
Easing the Way: Current and Upcoming Banking Technology Trends
The best technology is the kind that supports both the customer and the community bank. We look at some key industry challenges and where tech could potentially ease pain points.
Time’s Up for Excel & Managing Credit Risk
The problem is the overuse of Excel leads many community banks to embrace terrible tradeoffs – especially in commercial lending. It’s time to ditch your spreadsheets.
Can Faster Payments Lead to Faster Fraud?
Community banks can thwart criminals’ attempts to scam people via instant payments by deploying multilayered controls, including educating customers on how to not fall for scams.
Helpful Tips for Streamlining the Core Conversion Process
At each step of the process, a core conversion will hold new challenges. Make sure you have the tools and knowledge to address these issues and support your employees through it all.
How Generative AI Can Revolutionize Cybersecurity in Community Banking
As AI grows in prominence, it’s spreading across different facets of the banking industry and its operations.
Advanced Cybersecurity Considerations for Community Banks
Discover how cybersecurity advancements like Extended Detection and Response leverage AI and machine learning for superior threat detection.
Charles Potts: How Fintech Relationships Can Lessen Compliance Burdens
Compliance consistently ranks as one of the highest business expenses for community banks, and that cost is expected to climb.
Is Your Community Bank Ahead of the Pack on Instant Payments?
Whether it’s through RTP or FedNow, many community banks are still exploring how instant payments rails can fulfill the needs of and benefit their customers.
Tips For Sending Transactions Over The FedNow® Service
By enabling customers to send instant payments via the FedNow® Service versus only receive, banks can gain a faster, stronger ROI.
Charles Potts: 4 Natural Advantages of Solution Provider Partnerships
I have been evangelizing for a while about the importance of strategic partnerships, and now, we’ve come to a place where these very relationships are bolstering community banks’ businesses.
Explore and Evaluate Core Providers With IBT Apps’ Resource Kit
Whether you’re just beginning your core modernization journey and exploring your options or evaluating your current provider and considering a change, you’ll greatly benefit from this kit.
Maximize Your Community Bank's Digital Experience
A high-functioning digital platform is no longer an added perk for bank customers—it’s the standard.
Charles Potts: How Community Bankers Are Leading the Financial Evolution
One of my favorite reads is the story of Ted Turner’s rise. I’m struck by how it points to exactly the path community bankers are taking to drive the future of financial services.
Extend Customer Relationships With Better Business Payments
Consistently fulfilling commercial customers’ payments needs can make community banks indispensable to small businesses.
Practical Tips for Community Bank Innovation
Innovation doesn’t just happen. It takes forethought, planning and follow-through.
Q&A: Is it Time to Change Your Community Bank Core?
What questions do community banks need to ask to ensure they’re getting the most out of their core?
Could a Fintech Help Your Community Bank Keep Up With Faster Payments?
The faster payments landscape is constantly evolving—but staying on top of it can provide community banks with a competitive edge. Could working with a fintech be key to that success?
Charles Potts: Convening With the Spirit of More
Thomas Edison once said, “Our greatest weakness lies in giving up. The most certain way to succeed is always to try just one more time.” The message resonates, but the standout word for me is “more.”