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How cryptocurrency may be going mainstream
Beyond all the hype, cryptocurrency has unequivocally gained a loyal following, and mainstream financial players are taking notice. Is it time community banks got involved in crypto? One community...
Charles Potts: Embrace the digital experience
Consider ICBA your partner and advocate on the digital transformation journey. That’s why ThinkTECH exists and why we continually innovate to introduce new resources as the industry evolves.
Meet 2021’s ThinkTECH Accelerator finalists
Starting in 2018, ICBA’s ThinkTECH Accelerator has helped create a new ecosystem of community bank-friendly fintechs through a rigorous incubator boot camp involving hundreds of community bankers...
Charles Potts: A culture of innovation
Innovation is a high priority for many community bank leaders, so it’s critical that we have a foundational definition of innovation.
What you need to know about digital issuance
Instant issue cards are becoming more common at financial institutions, as they can maximize card usage and even attract customers. But another option, digital issuance, combines that speed with...
A community bank guide to cloud migration
Many community banks are moving their software, hardware and even core systems to the cloud in search of more flexible, scalable and affordable services.
Charles Potts: Innovation drives performance
With the advent of new, innovative solutions like artificial intelligence (AI) and machine learning, community banks have opportunities to eliminate or reduce inefficient manual processes and...
Stop elder financial abuse with data analytics
Elder financial abuse has been on the rise for the past decade, but so has data analytics technology, which banks can use to fight this fraud. Experts share strategies for community banks to...
4 ways to conquer compliance challenges
For community banks, regulatory burdens and compliance costs are constant challenges. But by taking steps including building a culture of compliance, they’re challenges that can be met.
Improve your next marketing campaign with data
Using data from your community bank, an ad campaign or public sources allows your marketing efforts to find potential or existing customers who’ve already shown interest in your brand.
Are real-time international payments the future?
Two rising technologies, faster payments and cross-border payments, are coalescing as more countries lay foundations to make such transactions possible. Experts say the U.S. is on a path to...
Going Through a Data Conversion Project Doesn’t Have to Be Painful
With mergers, acquisitions and other changes affecting the industry, ensuring your data is effectively converted has never been more critical. we’ve compiled a toolkit of what to consider before,...
Why it pays to offer cross-border payments
Offering cross-border payments used to have a high barrier of entry, but thanks to new technology and increasing revenue opportunities, they may be an untapped growth opportunity for enterprising...
Community First Bank’s PPP partnership
With little time to spare, Community First Bank prepared itself for a wave of Paycheck Protection Program applications by quickly implementing technology through a new fintech partner. Now, it’s...
Could apps improve your customers’ financial health?
Fintech-developed apps that help customers manage their finances are looking to partner with community banks to help them reach new customers and deepen existing relationships.
Will the dollar go digital? What you need to know
The private sector has had its hands in the world of cryptocurrencies for years, but the country’s central banks have held off—until now. While far from a certainty, here’s what you need to...
Charles Potts: 6 innovation trends for 2021
As we start the new year, much remains uncertain. In general, “uncertainty” implies a state of limited knowledge that makes it impossible or impracticable to describe a future outcome.
The bank pioneering banking as a service
With the help of a fintech partnership, Coastal Community Bank has blazed a trail by providing banking as a service (BaaS).
How to defend your bank from ransomware
Cybercriminals take advantage of ransomware’s low barrier of entry to compromise data and networks from banks, service providers and even customers. Community banks can protect themselves with...
3 ways to protect your bank’s customer data
Community banks collect more customer data than ever before. A data security plan will ensure this valuable information is kept safe from hackers.
How the world's banks are using the IoT
Banks and fintechs are experimenting with web-connected devices—collectively, the Internet of Things (IoT). While some experiments have worked and some have failed, their efforts offer a...
What you need to know about instant issue cards
Adoption of instant issue cards has never been easier thanks to new technology. But community banks should ensure best practices for protecting cardholders and staying compliant.
Secrets of 4 community bank–fintech partnerships
Community banks and fintechs are working together to boost internal efficiency and improve the customer experience. But good partnerships don’t just run like clockwork. They require close...
FedNow is coming. Here’s what you need to know
Years of advocacy culminated in the Fed’s announcement of a real-time payments and settlement service. Here’s what to know about FedNow and what remains to be answered.
How to create an effective digital payments strategy
Faster payments. p2p. It would be easy to feel overwhelmed at the speed of change. The key, say experts, is to ensure your payments strategy aligns with your corporate strategy.
Protect your bank from remote deposit capture risks
Despite the advancements of today’s banking industry, checks remain a common part of the customer experience, and remote deposit capture (RDC) has followed. What risk management strategies should...
Why your bank needs dedicated cyber insurance
Some banks have relied on their existing insurance policies to protect them from today’s security threats. But as the amount of data that community banks amass grows, they should consider dedicated...
How to build a successful payments strategy
Customer expectations and fierce competition—it’s never been more important to think strategically about your payments offering.
What exactly is encryption, and how does it work?
Whether data is in storage or being beamed across the internet, the security expert’s motto is “Encryption everywhere” to ensure that information is safe. But what exactly is it, and how does it...
Timeline: 180 years of banking technology
A look at the history of retail banking technology—and where it’s going.
E-Signature Approval
Legally and operationally, digital John Hancocks come of age in lending.
Is Your Bank Overspending on Tech?
It goes without saying that keeping up to date with the latest technology can cost a pretty penny, but many community banks don’t realize some of their current tech practices are racking up a bill.
Boost Your Non-Interest Income with Credit Cards
ICBA Payments helps community banks increase their non-interest income with credit card programs that span the revenue and risk spectrum.
Charles Potts: How the Regtech Revolution Represents Banking Today
In many ways, ICBA’s core pillars—advocacy, education and innovation—define today’s community bank priorities.
What Should Community Banks Know About Cross-Border Payments?
As cross-border payments reforms take shape, community banks must navigate promising opportunities and significant adjustments in this evolving space.
Strengthening Franchise Value: Community Banks’ Growing Use of Reciprocal Deposits
In an environment where deposit competition is intensifying and customer concerns about deposit safety remain top of mind, reciprocal deposits have emerged as a vital tool for community banks.
Balancing Innovation & Cost Control: A Community Banker’s Guide
Shopping for new technology can often feel like a lose-lose situation. With this guide, you’ll learn how to innovate smarter and spend wiser. A high-level, must-read for bank executives,...
The New Era of Risk: Why GRC Is a Strategic Imperative
As governance, risk, and compliance (GRC) challenges evolve, you must adapt. Discover how emerging GRC trends are shaping the future – and how Jack Henry™ can help your stay compliant,...
4 Emerging Bank Technologies (That Aren't AI)
With rapid new developments in bank technology, it’s easy to feel stressed about keeping up with them. Read on to learn what’s new and upcoming in tech and how to determine what’s worth exploring.
Customer Experience Through Strategic Innovation
Recent research from FICO shows that 88% of bank customers say experience is as important as or more important than products and services.
How to Unlock Hidden Card Revenue with BINs
When it comes to card revenue, having the right bank identification number (BIN) type is critical.
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.
Extend Customer Relationships With Better Business Payments
Consistently fulfilling commercial customers’ payments needs can make community banks indispensable to small businesses.
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.
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.
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?
Parsing the Proliferation of Payments
Remaining competitive in the banking industry doesn’t mean you have to have your hand in every bucket and offer every available payment solution.
Tackling Familiar Cyber Threats with Smarter Tools
Cyber attack methods remain the same, but they’re being supercharged by AI and other technological capabilities.
How Each Bank Department Contributes to a Core Conversion
Core conversions are a huge undertaking, which is why every bank employee, from IT to HR, plays a critical role in the transition.
Up-and-Coming Bank Technology: Separating Innovation from Hype
Community bankers, fintech experts and consultants alike are keeping their finger on the pulse when it comes to the latest technology—with the goal of understanding what’s useful and what’s...
Understanding the Opportunities and Concerns for Agentic AI
Here’s what you need to know about the newest form of AI, known as agentic AI.
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.
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.
Innovation Strategies for Community Banks
Explore how community banks can use data insights, fintech tools and innovation to stay competitive.
Should Community Banks Offer Subscription Management?
Build your customers’ financial health by helping them manage their subscriptions in-app.
4 Reasons Community Banks Should Offer E-Invoicing
E-invoicing can transform community banking by increasing deposits, reducing check fraud and fostering deeper customer connections.