BID^® Daily Newsletter Archives

04/29/2022 - Need Fee Income? Try Hedging

Not many people know that today is National Zipper Day. According to the Sew Guide, there are 15 types of zippers. But, don’t worry, we won’t go into detail on the 15 types. Suffice to say, the zipper is a handy little invention that has come a long way from 1917, when it was invented by Swedish American, Gideon Sundback. Its first uses included rubber boots and tobacco pouches. Today, we can all come up with hundreds of uses, from clothing, outdoor equipment, shoes, bags, suitcases to pillowcases, and more.  Unzipping the details of extra fee income through a hedge...

04/28/2022 - Playing An Important Role In Spreading Financial Literacy

Apparently, around 2K thunderstorms hit Earth every minute. Some of these storms are more powerful than others, with some causing 100 mph winds while others raining hailstones as big as baseballs. In 1995, TX experienced the most damage from a thunderstorm when those baseball-like hailstones fell from the sky. Let’s hope we don’t see any of that anytime soon!  Financial literacy instruction is a little like the weather — everyone talks about it, but few do anything about it. Included in those few, however, are community bankers. Most recently, in Nebraska, community bankers helped spearhead financial literacy in schools. They...

04/27/2022 - Return On Experience Metric Drives Financial Institution Growth

We use rocks every day. In fact, it is projected that each American will end up using greater than 3MM lbs. of rocks, minerals, and metals during their life. If you consider that these are used in granite countertops, stainless steel appliances, ceramics, glass products, matches, salt, etc., they do start to add up after a while. Before you start adding up how many rocks and minerals you have been using, we bring your attention to another type of rock, Return on Experience (ROX). You may not have heard of ROX, as it is a relatively novel metric. Yet, financial...

04/26/2022 - CRE’s Industrial Sector – Will It Stay Solid In 2022?

Have you heard that the body actually emits light? Research done at the Tohoku Institute of Technology by Masaki Kobayashi found this out in 2009. By studying volunteers with super-sensitive cameras in light-sealed chambers, the researchers found the volunteers’ bodies glowed at certain times of the day. This were explained as chemical reactions producing bioluminescence. No wonder we don’t notice this with the naked eye, it is 1,000x less intense than what is perceptible to the eye.Digging deeper can provide more insights into biological effects, but it can also help in better understanding the current commercial real estate (CRE) market....

04/25/2022 - Special Issue 4 – Community Bankers Always Make A Big Impact

Community Banking Month continues as we share more of the outreach community efforts by our BID readers. We honor all community bankers for supporting local businesses and people in need. In fact, more than half a million Americans were homeless in 2021, with about 20% of them being children, according to the Department of Housing and Urban Development (HUD). CFIs work tirelessly to help people of every age get housing and other essentials—including places where kids can play. Today, with the last issue of our series, we highlight how bankers have helped fight homelessness and support children with their outreach...

04/22/2022 - Tap Into The Benefits Of Hedging During A Flat Yield Curve

Many people recognize today as National Earth Day. But, did you know it is also National Jelly Bean Day? According to Jelly Belly, the gourmet jelly bean company, the origins of the jelly bean come from a combination of a Mid-Eastern soft center candy and the French process of panning invented to create the hard shell for Jordan Almonds presented to royalty. 1861 was the first mention of jelly beans in the US, by Boston confectioner William Schrafft, who promoted sending them to soldiers during the Civil War. These candies are enjoyed by all ages to this day.As you hunt...

04/21/2022 - Integrating Hybrid Work With Strong Company Culture

Salsola ryanii, a type of tumbleweed that can reach up to 6ft high, has rapidly spread across California, displacing two smaller species. The key factor behind this new type of tumbleweed’s success is that it’s a stronger and faster-growing hybrid of the other species.Like the fast-spreading, hybrid tumbleweed, hybrid working has rapidly increased and is now firmly planted in many businesses. According to a report from Pew Research, roughly six out of 10 US workers whose tasks can be done at home are now doing them remotely all or most of the time. What’s more, 61% of employees are actively...

04/20/2022 - Are Checking Accounts Going To Be Extinct?

You may have heard that the white willow tree’s bark is where the origins of aspirin started. It has been told that Hippocrates used the bark as a pain reliever. Although the bark is bitter and can cause stomach aches, so it is not exactly clear how it was consumed. We do know that in the mid-1700s, Reverend Edward Stone dried the bark to a powder and used it to relieve fevers. The real breakthrough came when a researcher at the German company, Bayer, chemically altered salicin extract from the willow tree. Aspirin was created and then patented in 1899....

04/19/2022 - BIN ISO Rules Are Changing For Payment Cards – How To Prepare

Abbreviations and acronyms are everywhere these days. But, did you know that they were used as far back as the Roman Empire? SPQR was used for Senatus Populusque Romanus — the official name of the Roman Empire — and even “filius” which means “son” was shortened to just an F. Using abbreviations and acronyms is space- and time-efficient, especially when writing them on stones and coins. The number of acronyms has only increased since the Roman Empire and today we discuss a very specific one, BINs. There’s a new Bank Identification Number (BIN) standard that is about to take effect....

04/18/2022 - Special Issue 3 - Community Bankers Continue Making A Big Impact

April is Community Banking Month when we highlight some of the community outreach activities that our BID readers submitted. Some of these activities are tested and true, but others are creative and new. We enjoy sharing the ways that community bankers connect and support their populations. Donations, both of time and money, are an important part of support for communities nationwide. Today, in our third article of the BID’s Community Banking Month series, we highlight these efforts by community financial institutions.Olympia Federal Savings in WA sponsors the Better Fedder program, a multi-dimensional community outreach strategy designed to improve the local...

04/15/2022 - Embedded Compliance Controls – Should You Consider Them?

The three-point seatbelt that is standard in cars today was introduced by Volvo in 1959. By 1968, the federal government mandated its inclusion for all seats within vehicles. However, this wasn’t enough impetus for everyone to embrace them. With more than 15,000 car accident deaths annually attributed to not wearing seatbelts, New York became the first state to pass a law requiring the use of seatbelts in the front seat in 1984. Today, all states but New Hampshire require car passengers to wear a seatbelt. Some cars even include embedded system features that require seatbelts to be fastened before the...

04/14/2022 - How To Keep Championing Minority-Owned Businesses

Mount Everest may be the highest peak on Earth at 29,029 ft, but it is not the planet’s tallest mountain. It’s a little-known fact, but Mauna Kea in Hawaii is recognized as being the tallest at 33,480 ft. However, only 13,796 ft of it is visible — the rest is underwater.For many minority-owned businesses, finding funding can seem a bit like trying to climb to the summit of Mount Everest. However, there have been some recent developments aimed at improving the situation. This includes the US Treasury Department’s December announcement to release $8.7B to help increase lending to small and...

04/13/2022 - Top Five Technologies To Leverage And Stay Competitive

The movie, The Perfect Storm, is based on the true story of the Andrea Gail commercial fishing vessel caught in a tropical storm merging two powerful weather fronts and a hurricane. The boat is battered by 40-foot waves, raging winds, and a catalog of mechanical failures. After a tough fight, it ultimately sinks, leaving no survivors.Over the last few years, community financial institutions (CFIs) have faced their own perfect storm of turbulent market conditions, growing consumer sophistication, and competition from fintechs and neobanks. They too are fighting hard, but they won’t sink. Harnessing new technologies to improve the customer experience,...

04/12/2022 - How To Stem Dissatisfaction When Employees Leave

In 2001, JK Rowling’s wildly successful Harry Potter series was brought to the big screen, with British actor, Richard Harris, playing the pivotal role of Albus Dumbledore, the headmaster of the Hogwarts. Yet, Harris was only able to portray Dumbledore in the first two Harry Potter films, before he passed away from cancer. Many mourned this loss and it was difficult for the production team to consider recasting. However, fortunately for Harry Potter fans, the role of Dumbledore was successfully recast with British actor Sir Michael Gambon. This allowed the remaining books to be filmed, all of which were major...

04/11/2022 - Special Issue 2 - Community Bankers Keep Making A Big Impact

April is Community Banking Month and we continue highlighting the community outreach efforts of BID readers that submitted entries,  in our second article of the Community Banking Month series. These efforts may be similar to those your institution does or maybe they inspire you to reach out in a new way to your community members. Either way, we know community bankers make a difference every day and we appreciate you all for that.  Many Americans struggle financially. In fact, 78% of Americans live paycheck to paycheck, according to a CareerBuilder survey. Not only that, but JP Morgan Chase reports that...

04/08/2022 - Independent ATMs – Do They Provide An Opportunity?

Today is National Zoo Lovers’ Day. With approximately 10K zoos across the globe, we have likely all experienced a day at the zoo. According to Attractions in America, the top five zoos in the US are in San Diego, CA; Omaha, NE; Brookfield, IL; Denver, CO, and the Bronx Zoo in NY. With spring almost here, maybe it is time to make another trip soon with the family.As families have enjoyed zoos for decades, many people have relied on independent ATMs in convenience stores and gas stations for decades. With more than half of all ATMs now run by independent...

04/07/2022 - Microlending – Is It Worthwhile?

Microlending started in 1976 in Bangladesh, when an economics professor, Mohammed Yunus, saw startups struggle. The only loans available kept a hefty portion of the proceeds, keeping entrepreneurs from flourishing. His first loan was $27 to a women-led, bamboo stool business. Not only were the women able to pay off the loan, but they could also buy materials that allowed them to expand their business and thrive.Microloans may not be on top of mind for community financial institutions (CFIs). However, those wanting to help startups get off the ground or nurture certain small businesses needing extra support might want to...

04/06/2022 - Benefits Of Rehiring Boomerang Employees

If you are a Marvel Comics fan, you have likely heard of Ricochet. This character was created as an alter-ego of Spider-Man when he was accused of and hunted for murder. His brand identity was created by his wife with a second-hand, leader jacket with a big “R” sewed on it. Ricochet was the funnier, speedier superhero that could still fight the bad guys, while clearing his name. Before you consider googling Ricochet to see what he has been up to lately, we bring your attention to another ricochet of the employment variety — “boomerang employees.” With the Great Resignation...

04/05/2022 - Educating SMBs About Increased Cyber Risks

Archaeologists discovered that Ecuador’s Mayo-Chinchipe culture ground cacao beans, vanilla, and other spices into a chocolate drink 5.3K Ys ago. But, feeding the craving for chocolate has been far easier since 1847, when British chocolatier JS Fry molded the first chocolate bar. The world’s love of chocolate runs long and deep, even when it comes to animals. Yet, for animals such as dogs and cats, this sweet treat can actually be deadly, as they are unable to metabolize the alkaloid theobromine found within cacao beans. Clearly, good things can contain risks at the same time.Similarly, many small businesses have been...

04/04/2022 - Special Issue 1 - Community Bankers Making A Big Impact

It is that time again — Community Banking Month time! A few years back, we started the tradition of showcasing community financial institutions (CFIs) that sent us their outreach stories. We always feel inspired by these efforts in their communities around the country and we know that there are many more out there as well. As we kick off the month, we share stories of disaster support, acts of kindness, and food donations through food banks and farmers’ markets.Disaster supportOn December 10, 2021, an F4 tornado ripped through Mayfield, KY, leaving debris and devastation in its wake. Although FNB Bank...

04/01/2022 - Should Surging Fertilizer Costs Worry CFIs?

There were 588 hours of sunshine in the spring of 1948. This was the highest number ever recorded. The spring of 2014 was also quite sunny with 306 hours, while the least sunny spring on record is 1963 with only 82 hours. While we don’t know yet how many spring sunshine hours 2022 will bring, many of us enjoy our sunny days.Farmers likely enjoy sunny days too, as they start the spring planting season. Yet, this year, they’re facing huge increases in fertilizer prices. These are forecast to be as much as 80% higher YoY, according to a study from...

03/31/2022 - Essential Leadership Traits In The New Hybrid World

On October 14, 1912, Theodore Roosevelt was shot while giving a speech in Milwaukee. He pulled out his 50-page written speech from his pocket, which revealed two bullet holes through each page. “Fortunately, I had my manuscript…there is where the bullet went through — and it probably saved me from it going to my heart.” Impressively, he continued to speak for 84 minutes even after the bullet had lodged itself near his ribs. Luckily, community financial institution (CFI) leaders don’t need to possess such levels of endurance, but other traits are important for success in today’s world.As we approach the...

03/30/2022 - Mitigating Employee Stress For Higher Productivity

Did you know that pennies can deter snails and slugs? If you are a gardener, you may have tried this garden hack. It is the copper in pennies that creates a small electric shock for the slugs if they touch it, causing them to retreat and find food elsewhere. Today’s pennies have much less copper than before, with only 2.5% copper and 97.5% zinc. But, if you have old pennies lying around, you could put them to good use.On the other hand, if you consider gardening stressful, you may want to hire someone to care for your plants. These days,...

03/29/2022 - Best Practices To Apply Q Factors For CECL

Belize is the home of the 2nd largest barrier reef, the Great Blue Hole. It is actually a large, underwater sinkhole and reaches 984 ft in width and 410 ft deep. Despite its depth, the remarkable visibility allows divers to see underwater caves and rich marine life, including Caribbean reef sharks. If diving is how you roll, you will want to check this interesting spot out.  Even if you aren’t a diver, as a banker, you know that as we roll further into 2022, the Current Expected Credit Loss (CECL) implementation date is getting closer. While there are many areas...

03/28/2022 - Lending Opportunities Rise In 2022

Flared jeans and pants are popular this year, a style that is reminiscent of the bell-bottoms that dominated the fashion world throughout much of the 1960s and 1970s. Despite the style’s strong ties to the hippie era, bell-bottom pants can actually trace their origin to the early 1800s when it is believed that they were worn by sailors because of the ease of rolling the pants while working barefoot on ships. When the style re-emerged and became popular in London in the 1960s, it wasn’t long before the trend made its way to America.As some of us have flashbacks to...

03/25/2022 - Is Selfie ID Verification Here To Stay?

Since it was published in 1897, the story of Cyrano de Bergerac has withstood the test of time. Edmond Rostand’s tale is of a talented, well-spoken man who assumes he will not appeal to the woman he loves because of his awkward appearance. So, instead, he helps a friend woo her by feeding him what to say. It has been performed countless times and seems to be resonating with many today. The most recent portrayal, “Cyrano” received several positive reviews and award nominations, including Best Motion Picture – Musical or Comedy, at the Golden Globes.  Unfortunately, community financial institutions (CFIs)...

03/24/2022 - AI To The Rescue: Solving Customer Service Staff Shortages

If you thought the first chatbot was Siri, you would be incorrect. Apple’s Siri launched in 2010, but that was 45Ys after Eliza. Eliza, the first chatbot, was created by Joseph Weizenbaum in the MIT Artificial Intelligence (AI) Lab in 1965. While its processing was simpler than that of today’s chatbots, the methodology is still used in several chatbot applications, making life’s tasks easier for many of us. Not only can AI make things easier, but it can also fill gaps left by staffing shortages. The Great Resignation and COVID have combined to create substantial labor shortages, especially in customer...

03/23/2022 - How Your Institution Can Hedge Without SOFR

Washington state operating room nurse, Florence “SeeSee” Rigney finally retired last year, at the age of 96Ys old. She was the oldest working nurse in the US. Her career spanned seven decades and still allowed her time to raise two children. She often clocked three miles during her shifts walking to and from operating rooms and actively helping out with other tasks. She first tried to retire at age 65, but was back to work six months later. It is not always easy to retire! Many bankers feel that way about the retirement of LIBOR. After 35Ys of use, LIBOR...

03/22/2022 - Evaluating Your Board’s Effectiveness For Continued Success

Did you know that during peak times, there are 5.4K aircraft in US skies — sometimes vertically separated by as little as 1K feet? Fortunately, they are not only flying by sight, as Federal Aviation Administration air traffic controllers provide navigational support from the ground.Of course, many community financial institutions (CFIs), like all public companies, have their own “air traffic controllers” to help them navigate the ever-changing financial landscape: the board of directors. Given the critical role the board plays in providing a governance framework and working with senior management to ensure its implementation, CFIs should be sure to monitor...

03/21/2022 - What Does America’s Shrinking Branch Network Mean For CFIs?

Almost all species of male deer grow antlers, which serve them well in the mating season and help them fight predators. After shedding the first set, like baby teeth, they grow larger, branch-like antlers. Every season they shed their antlers and grow new stronger ones. The banking industry has engaged in some shedding and growth of its own. However, unlike deer, the net effect is a record loss of branches across the US in 2021. According to S&P Global, nearly 4K branches closed and over 1K opened. This equates to a net of 2,927 branches shuttered, a 38% increase on...

03/18/2022 - Meeting The Cybersecurity Challenge With NIST’s Tool

People in the world’s Blue Zones — Greece, Japan, Costa Rica, and a few other places — tend to have longer, healthier lives than people in other parts of the world. When researchers investigated Blue Zone longevity, they found that diet, exercise, attitude, and community connection all played a role. The research provided a framework of knowledge designed to help people outside of these regions understand how to live longer lives. Since there was only one US place in the Blue Zone (Loma Linda, CA), many of us could use this framework on life longevity. But, more immediately, a cybersecurity...

03/17/2022 - Four Precautions On QR Code Fraud

Transformers, a species of robotic beings that can change from robots to high-speed vehicles, weapons, or electronic items, were first introduced to the public in 1984 as a Japanese toy line. But they took on a life of their own in 1985 when Hasbro bought the line and partnered with Marvel Comics to create a storyline around the individual toys. The characters became so popular that they spawned a film line, with the first Transformer film coming out in 2007. This film franchise has netted more than $4.9B in global box office sales, as of 2021. The idea of things...

03/16/2022 - Payment Cards With Vertical Designs Help A Variety Of Customers

With the celebrations of St. Patrick making the rounds tomorrow, we thought it would be interesting to share some fun facts about this saint. Despite being one of three patron saints of Ireland, he was actually born in Britain in the 4th century. He was taken by a group of Irish pirates, which took him from his family’s estate and held him captive for 6Ys, until he was 22Ys old. During his enslavement, he turned to his faith for solace. The actual day of St. Patrick celebrates the arrival of Christianity to Ireland and the Irish culture, in general.There are...

03/15/2022 - The Appeal Of Text-To-Pay For Small Businesses

People often have cravings for snacks at odd hours of the night, but such cravings often go unmet. That simple reality was the driver behind the launch of Insomnia Cookies, a company that provides freshly baked cookies until 3 am daily, straight to your door. While Seth Berkowitz, the founder, was a student at Philadelphia’s University of Pennsylvania, he began baking and selling cookies to classmates in the late evening hours and now the business has grown to more than 200 locations. Giving people the ability to act on their desires immediately can be a tasty proposition for community financial...

03/14/2022 - Lessons Learned From Your Peers On Customer Profitability

Gambling — a $44B industry in the US in 2021 — generates more revenue than movies, spectator sports, theme parks, cruise ships, and recorded music combined. Banking is a far cry from gambling, but many community financial institutions (CFIs) would like to increase the house odds when growing profitable customers. One way to do that is through customer profitability analysis. While still relatively low, interest rates are set to rise in the coming months, as the Federal Reserve seeks to counter the possibility of sustained high inflation, currently over 7.5%. Higher rates combined with a continued competitive loan environment may...

03/11/2022 - RFID Increases Operational Efficiencies & Customer Service

It is well known that stray dogs often follow people home. So, in an effort to increase pet adoptions, Britain’s Battersea Dogs & Cats Home created an advertising campaign mimicking this behavior. When shoppers arrived at a popular mall, they were given RFID-enabled leaflets from Battersea Dogs & Cats. Then, as they walked past multiple electronic billboards throughout the mall, a picture of Barley, the dog, popped up to give the illusion of a dog following them to engage shoppers, bring them into their facility, and adopt a pet. The banking industry is a bit more dog-eat-dog than the pet...

03/10/2022 - Three Steps To Get Ready For Faster Payments

On March 30, 1867, Secretary of State William H. Seward agreed to buy Alaska from Russia for the bargain price of $7.2MM. However, opposition in the House of Representatives delayed the historic deal. It took another year to get the money appropriated and complete the purchase. It probably took a while to cash a check that big too! Community financial institutions (CFIs) won’t have any customers willing to wait a year for a payment to be processed. In fact, customers increasingly want payments in real-time. While the Faster Payments Council — comprising consumer groups, merchants, and financial institutions — continues...

03/09/2022 - Cryptomania Is Here – Should CFIs Respond?

Beatlemania had already started almost 60Ys ago in England, but the US was slow to catch on. It wasn’t until the Liverpool-based band was booked for “The Ed Sullivan Show” that their popularity started rising. Still, the Beatles themselves were unsure of the type of welcome they would get. Unexpectedly, they were met by 3K screaming fans when their plane arrived in NY and the rest is Beatlemania history. The popularity of cryptocurrencies within the traditional banking sector has seen a similar path. Cryptocurrencies have been around since Bitcoin started in 2009, yet interest from the traditional banking space was...

03/08/2022 - Remittances Are Rising – Is It Time To Jump Onboard?

If you live in Florida, the Caribbean islands are only 50 miles away. Bimini is the closest and boasts coral reefs, geological formations, such as Tuna Alley, and the Dolphin House Museum. While not having the popularity of Nassau, you sure don’t have to go far to travel internationally.    Just as international travel can be close, so can those people needing cross-border remittances. Still, many community financial institutions (CFIs) have shied away from offering cross-border remittances as a service. As a result, many money transfer giants like Western Union or more recently, fintech upstarts, including Remitly, World Remit, Xoom,...

03/07/2022 - How To Mitigate Rising Mobile Fraud

Did you know that the medical term for goosebumps is cutis anserine? Taken directly, this means goose skin and is when the hair follicles rise up due to flexing of the skin. It often results from an involuntary reaction of fight or flight. In animals, this reaction helps them appear more puffed up and bigger as a dangerous adversary. While the value to humans is less obvious, many of us may get goosebumps when we hear about the latest mobile scams. The US has over 294MM smartphone users and hit an 85% penetration rate in February 2021. So, it is...

03/04/2022 - Minimizing Customer Effort Leads To Customer Retention

The world’s first postage stamp, called Penny Black, was launched by Great Britain in 1840. Queen Victoria’s portrait was used against a black background and, as you can guess, it was worth a penny. With the introduction of the postage stamp, sending letters and cards became cheaper and required less effort. This brought more trade for Great Britain, according to the British Library. These days, we are still trying to streamline processes and minimize efforts taken in communication and commerce. As community financial institutions (CFIs) consider how sticky their customer relationships are, they should consider how much effort customers must...

03/03/2022 - Are Overdraft Charges A Thing Of The Past?

Coco Gauff has been dramatically changing things in the tennis world. She started playing tennis at 6Ys old. She even showed interest in tennis players, Serena and Venus Williams at the young age of 4. No wonder she is the youngest player ranked in the Women’s Tennis Association’s top 100. She surprised many in the tennis community and made history as she beat Venus Williams at Wimbledon, as a 15Y old in 2019. As of January 2022, she was ranked No. 17 in singles.   No less dramatic is the path that overdraft fees have taken lately. Overdraft fees have long...

03/02/2022 - Should CFIs Use TikTok For Marketing?

Today is National Read Across America Day and the birthday of Dr. Seuss. Started in 1998 by the National Education Association, this is a day of celebrating the joys of reading in schools, libraries, book stores, etc. Read-a-thons and author readings are traditional ways to celebrate today. But, don’t be surprised if a TikTok video appears today too, as savvy educators know this social media platform is impactful, especially with the younger crowd.Some might ask “What is TikTok?” and “How is it different than other social media channels?” TikTok, owned by a Chinese company ByteDance Ltd., is a growing social...

03/01/2022 - Finding New International Business Customers In Your Midst

The timeline of Homo sapiens’ history may be changing due to a new discovery. A child’s molar was uncovered in France, along with stone tools from 54K Ys ago. This seems to indicate that Homo sapiens lived in Europe 10K Ys earlier than archaeologists originally thought. Furthermore, the tooth was found between layers of Neanderthal fossils, which means these two groups coexisted in this area. The current understanding was that Homo sapiens’ arrival cause the demise of Neanderthals.Whether you are an archaeology buff or not, oftentimes, using new information can help broaden understanding. For community financial institutions (CFIs), learning that...

02/28/2022 - Deepfakes Are Increasing – Top Three Scams To Watch

The word “fake” with its meaning of bogus or counterfeit, first surfaced around 200Ys ago. Believe it or not, it was captured in a dictionary of criminal slang, which was put together by James Hardy Vaux in 1819. Interestingly, Vaux was a former criminal that became familiar with this type of slang, while spending time in British penal colonies in Australia. Deepfakes are the latest in criminal wrongdoing and they are spreading quickly. We explore what they are, the monetary damage they can cause, what the experts are saying, and give you three deepfake scams to steer clear of.What are...

02/25/2022 - Reaping The Rewards Of SMB Optimism

As the 74Y old author, Paulo Coelho has been credited with saying, “Life was always a matter of waiting for the right moment to act.” This reminds us that it is important to see opportunities as they arise. These opportunities appear to be arising with many small businesses.This is good news for many financial institutions, as they have been patiently waiting for the day when lending gets back to normal. While the FDIC reported an increase in net interest margin for community banks in Q3 2021 YoY and QoQ, these institutions still have an abundance of deposits to deploy. So,...

02/24/2022 - Key Takeaways From Former FDIC Chair McWilliams

Have you ever heard of a goldfish driving a vehicle? Dr. Ronen Segev, a neuroscientist, recently tweeted a video that went viral of a goldfish driving a “water-tank-equipped robotic vehicle.” Dr. Segev has been studying fish cognition for 16Ys and wanted to prove that even goldfish brains are “flexible enough to adapt to new situations.” While we don’t expect you to try this experiment at home, it is interesting to contemplate, as our environment seems to be changing regularly these days.One recent change in the regulatory environment is the departure of FDIC Madam Chairman Jelena McWilliams. On the eve of...

02/23/2022 - Where Are CRE Investors Investing?

John F Kennedy once said that the Chinese use two brush strokes to write the word “crisis” — one signifying danger and the other opportunity. While this interpretation may not be totally accurate, the sentiment behind his quote holds true — where there is crisis, there is opportunity. With the pandemic and subsequent economic crisis, this has shown to be true in some commercial real estate (CRE) sectors more than others. While inflationary pressures could continue along with labor and supply chain shortages, this year points to several positive signs for CRE customers and the community financial institutions (CFIs) that...

02/22/2022 - GAO Guidance On High-Risk-Transfers For Humanitarian Funding

According to Guinness World Records, the first driver to receive a speeding ticket was traveling at just eight mph. In 1896, Walter Arnold was spotted driving his vehicle at four times the speed limit — which was then just two mph — in Kent, England. While the pace of life is now generally much faster, getting humanitarian aid funds to impacted countries can be a slow and frustrating process for nonprofits and other aid organizations. Yet, the demand for humanitarian aid has reached new heights. Last year, the United Nations requested $35B to help 235MM people across 56 countries —...

02/18/2022 - Volunteer Data Can Help Nonprofits In Your Community

Did you know that the script for the movie, “ET”, was written during shooting breaks for “Raiders of the Lost Ark?” Talk about leveraging resources to get more things accomplished – two hit movies no less!There are ways you can get more accomplished by leveraging your efforts in the community too. As a community financial institution (CFI), you want to give back to your community as much as possible. Ideally, you track your efforts as part of understanding where your money and volunteer hours go, as well as what they accomplished. That data can help inform your future giving and...

02/17/2022 - Three Steps To Prepare For A US Digital Dollar

At up to $120 per lb, lobster is definitely a delicacy. But did you know that it used to be served to prisoners and called the cockroach of the sea? The first European settlers noted that they were so plentiful that lobsters would wash ashore in stacks up to two feet high! Time has definitely changed our perception and consumption of lobster.Time seems to change many things, not just lobster consumption. For many community financial institutions (CFIs), time has changed their perception of digital currencies. Those institutions trying to keep up with the ongoing digital revolution in banking and finance...

02/16/2022 - More Ways To Connect With Gen Z As Future Customers

Did you know that some of the most famous teenage influencers have more than 100MM followers across social media? The social media platforms with the highest followers of influencers include Instagram (82%), YouTube (41%), TikTok (23%), Twitter (23%), and lastly Facebook (5%). These influencers can earn up to $25K per post, depending on the platform. Not a bad way to start saving a little money!While most members of Gen Z don’t have that kind of following, their influence on spending — directly or indirectly — is considerable. Their purchasing power is currently estimated to exceed $143B. Furthermore, by 2030 Gen...

02/15/2022 - Defend Your Stored Data Against Cybercriminal Attacks

Confucius is credited for saying, “It does not matter how slowly you go, as long as you don’t stop.” Well, that may be true for some things, but definitely not in fighting cybercrime. The entities that work slowly to protect their data will get hit time and time again by crafty cyberthieves.Many community financial institutions (CFIs) are working hard and fast to store their data away from the bad guys. However, it has become more challenging as these thieves find vulnerabilities leading them even into data back-up systems. We bring you up to speed on the ongoing risk of data...

02/14/2022 - Protecting An Aging Population From Elder Financial Abuse

Did you know that Richard Cadbury was the first to create a box of Valentine’s Day candy at the end of the 19th century? It has grown in popularity since then, with 35MM boxes of heart-shaped candy expected to be sold today. Indulging in some Valentine’s Day chocolates may be a good way to take a break from today’s problems.  Unfortunately, elder financial abuse is an ongoing and growing problem that bankers need to face. It is aggravated by an aging population and a rise in self-directed retirement plans that put large lump sums under the control of elderly retirees....

02/11/2022 - Planning For Succession Success

There has been an exodus of US CEOs. In October 2021, 142 CEOs left their companies, a 38% increase MoM and the largest number since January 2020, when a record 219 CEOs resigned. The Great Resignation isn’t only for employees. If your top talent leaves suddenly, how deep is your bench to replace them so you can remain competitive? While a significant majority of financial institution CEOs are nearing retirement age, only about a third of boards have a successor in mind. Not only that, but also 37% haven’t even drawn up a potential slate, according to a Bank Director...

02/10/2022 - Four Strategies To Boost Board Diversity

Since its initial episode in 1969, Sesame Street has endeavored to educate children about everything from the alphabet and basic counting to values such as kindness, sharing, equality, and inclusion. So, it is no surprise that in 2017 the show introduced a new Muppet named Julia, a 4Y old autistic girl who was rapidly embraced by some of the program’s most popular characters like Big Bird, Elmo, and Abby Cadabby. The number of children who have autism has risen significantly in recent decades; the CDC reports 1 in 44 children are on the autistic spectrum. So, Sesame Street is addressing...

02/09/2022 - Enticing Younger Customers With Wealth Management

Insomnia affects 30% of Americans, according to the American Sleep Association. If you toss and turn at bedtime or hit snooze on your alarm every morning, you might have your mother to thank. Research from the University of Warwick found that insomnia can be inherited, but only from the maternal side.More optimistically, Gen Xers and millennials will have over 68T reasons to thank their baby boomer parents when $68.4T is passed down over the next 25Ys. According to Cerulli, Gen X will receive 57% of total assets, with the remaining 43% going to millennials. As we mentioned last September in...

02/08/2022 - Key Reminders To Protect Your Institution From Money Mules

Mules, a cross between a horse and a donkey, are smarter and more patient than a donkey. It can withstand the weather elements much better than horses, with thicker skin. Due to its strength, it has been used in pulling plows and carrying heavy loads. According to the softschools.com website, a mule also “has very good sense of self-preservation, which means that it easily detects dangerous situations and tries to avoid them.”That may be true of mules, but mules of another type — money mules — are in the thick of dangerous situations regularly and are an increasing threat to...

02/07/2022 - Running CECL In Parallel – What You Should Know

Over 67MM years ago, the pterosaur Quetzalcoatlus northropi lived in North America. The Quetzalcoatlus was a mix between a giraffe and a heron with a wingspan of up to 36 ft, weighing up to 550 lbs, and standing up to 36 ft tall. It is considered the largest flying animal ever. That is a record that will likely stand in the history books.Turning from big flying dinosaurs to big banks, the Federal Reserve reports that “on January 1, 2020, most large and mid-sized US banks adopted Current Expected Credit Losses (CECL).” As a result, about 80% of all US bank...

02/04/2022 - Three Strategies To Ensure Your Website Is ADA Compliant

They say that it sometimes takes just a split second to make a decision. When it comes to your website, customers make the decision to stay or leave even faster — some say users take 0.05 seconds to judge a website, including whether they will stay on the site or not. While we all want visitors to stay on our website longer than 0.05 seconds, it is especially important when you are trying to provide information to those with disabilities. So, the question to ask yourself is: Is your institution’s website accessible for everyone, no matter their abilities? If not,...

02/03/2022 - How To Use AI Effectively And Mitigate Bias

In the classic 1987 movie, Robocop, the hero — a cyborg created from the remains of murdered police officer Alex Murphy — is eventually able to regain some of his humanity and override his programming to go after the killers. While this movie may be science fiction, the idea of artificial intelligence (AI) needing human elements is part of the broader AI discussion over three decades later.Community financial institutions (CFIs) using AI should consider adopting a similarly humanized approach to this machine learning technology. It could enable them to harness its full potential while avoiding an intrinsic pitfall, namely algorithmic...

02/02/2022 - Risks Capturing Regulatory Attention & Potential Mitigations

Today is National Groundhog Day, when we all wait to see if the groundhog will see its shadow — indicating six more weeks of winter — or not, which sends the signal that spring is soon here. This tradition originated in 1887 with the Pennsylvania Dutch. These days, the star of the show is Pennsylvania’s own groundhog, Punxsutawney Phil. Whatever weather Phil predicts with his shadow, we can start preparing.Bankers can start preparing for more than weather with the recent 2021 OCC Annual Report, which outlines the federal banking system’s condition and supervision priorities. We take a closer look at...

02/01/2022 - Appealing To 60MM Self-Employed Businesses

We were surprised to find out that the first horror movie dates back to 1896, according to reelrundown.com. House of the Devil directed by Georges Méliès portrayed a bat as an agent of the Devil that became human and brought demons to life through a cauldron. The Devil’s agent was eventually banished with the use of a crucifix. It lasted just over three minutes long and was filmed in Méliès’ garden in France, yet it started a new film genre that gave us an adrenaline rush from Psycho to Halloween and Scream.  Besides horror movies, working as your own boss...

01/31/2022 - USPS Banking Services Have Resurfaced

In the early 1800s, the US Postal Service (USPS) delivered mail seven days a week — a practice that elicited no shortage of criticism, especially among religious groups. Yet, it was ultimately the invention of the telegraph in 1844 that brought the end of daily mail delivery by providing people with a new method of communication and the ability to get important information without postal deliveries. Almost 170Ys later, with Americans’ solidified reliance on online communications and the competitive pressures of FedEx and other courier services, USPS faced financial woes. So, the USPS adopted special delivery and priority mail packages...

01/28/2022 - Five Steps For A Successful Universal Banker Model

Did you know that the origins of the Swiss Army Knife reside in neighboring Germany? In the 1880s, the Swiss Army needed a knife to open canned food and disassemble service rifles. Yet, no Swiss company had the production capacity for these knives, so German Wester & Co. produced the order for these multi-functional knives for the Swiss Army in 1891. The knives were delivered to the Swiss Army with a single blade, rotary cutting tool, can opener, and screwdriver. Yet, Karl Elsener of Switzerland soon took over the business and the Swiss Army Knife was officially born.For many community...

01/27/2022 - Metaverse Marketing – A New Way To Reach Customers

Did you know that there are more than 5MM different video games in existence today? Not only that, but they can all trace their origin to nuclear physicist William Higinbotham, the former Head of Instrumentation at the Brookhaven National Laboratory. In an effort to show off the capabilities of his instrumentation division during a visitor day at his lab in 1958, Higinbotham created an exhibit he called “Tennis for Two.” This exhibit allowed two people to use the knobs on a small analog computer that displayed a ball on an oscilloscope that they could bat back and forth over a...

01/26/2022 - An Update On Cloud Services For CFIs

Anvil clouds are a sight to see. They form during thunderstorms and look like thin umbrellas, or anvils, stretching across the sky for miles. It forms when the updraft from the storm reaches the tropopause--the boundary between the troposphere and the stratosphere. From there, the air spreads out and forms the anvil cloud. While these clouds can be beautiful, they are also associated with weather disturbances, including heavy rain and strong winds.Speaking of clouds, community financial institutions (CFIs) avoided the use of cloud services due to regulatory and security disturbances for years. However, as cloud technology advances, providing additional layers...

01/25/2022 - Three Strategies To Prepare CFIs For Rate Increases

Believe it or not, in 2021, SPAM sales reached record heights for the 7th year in a row. The MN parent company, Hormel, hit revenue of $3.45B in Q4 2021, surpassing market expectations. SPAM was first introduced in 1937 and has spread worldwide, especially popular in the state of HI. “We’ve had to announce new capacity that we’re going to bring online in 2023 to meet the demand, so Spam is as strong as it’s ever been,” CEO Jim Snee said to CNBC’s Jim Cramer in a recent interview. Clearly, SPAM has seen an unprecedented long period of high demand....

01/24/2022 - Drive-By Skimming & Supply Chain Attacks Can Affect Your Website

Tea has been associated with health for over sixteen centuries. In the year 400, tea consumption for medicinal purposes started gaining popularity. While tea demand in Asia continued, it was not until 1589 that tea was recognized for its health benefits in Europe. Studies on the benefits of tea, especially green tea, imply that it can reduce certain types of cancer, decrease blood pressure, assist with weight control, and kill bacteria and viruses.  Unfortunately, there is no “cyber green tea” available to support the health of your website against attacks. So, you’ve implemented numerous cybersecurity measures to protect your website,...

01/21/2022 - Will CFIs Have Enough Reserves For CECL?

Do you happen to know which letter was the last one added to the modern English alphabet? A reasonable guess would be the last letter, Z. Yet, the answer is near the middle of the alphabet - the letter J. The letter J was actually an adaptation of the letter I. In the 15th century, the English language was standardized, and in 1604, the first English dictionary was published, adding the letter J. This may be an example of how the adoption of some standards is not always a straight path from A to Z.While many bankers are working on...

01/20/2022 - Four Ways To Prepare For Faster Payments

In 1917, the Seattle Metropolitans became the first US hockey team to win the Stanley Cup. They beat the Montreal Canadiens three games to one with a total score of 23-11. This team broke up in 1924. Yet Seattle has a new hockey team now, the Seattle Kraken, and is hoping to win the big Stanley Cup. Community financial institutions (CFIs) are always looking for wins with their customers and these days, that means faster payments. More and more of your customers – including businesses – are likely demanding faster payments, including “real-time” or “instant,” so your institution should start...

01/19/2022 - Mitigating Stress Levels For Compliance Employees

Today is National Popcorn Day. In the US, we eat approximately 17B quarts of popcorn annually, which makes sense since it is America’s favorite snack food (by volume). Most of the popcorn produced comes from Nebraska — 250MM pounds per year. Some trivia about popcorn: it has more iron than eggs, can pop up to 3 ft high, and even during the Great Depression, popcorn businesses thrived. Popcorn brings back memories of movie nights and carnival visits for many of us. These memories may give you a mental vacation and many of your employees could use a mental vacation too....

01/18/2022 - Using Technology To Better Respond To Your Customer Needs

Nursery rhymes often come from historical events and “Jack Be Nimble” is no different. The most accepted background for this children’s tale is from Jack Black, an English pirate from the 16th century, who evaded the authorities “nimbly.” Back in the day, it was believed that jumping over a candlestick without putting out the flame was a sign of good luck. A manuscript from 1815 shows the first mention of this nursery rhyme, which was later printed in the mid-1800s. It is interesting that this story continues to be told without knowing the history.Knowing customer history is important for bankers....

01/14/2022 - Is Augmented Reality Now A Necessity For Financial Institutions?

The endoscope is a cutting-edge instrument in the medical industry’s tool kit, enabling doctors the ability to get a detailed look at the internal organs or tissue of a patient’s body and even allowing them to conduct minor surgeries without major incisions on an operating table. But, they are far from new. France’s Antoine Jean Desormeaux created the first official endoscope in 1853, which he used to get a non-invasive look at patients’ urinary tracts. Yet, scientists have even traced the existence of similar instruments all the way back to the ruins of Pompeii. As these tools have become necessities...

01/13/2022 - Mobile Messaging – A Key Banking Communication Tool

Did you know that bubble gum is pink because red dye was the only color available at the manufacturing facility and it diluted to pink? In 1928, Walter Diemer, the accountant for a chewing gum company in PA formulated this pink bubble gum that was less sticky and stretchier. He started a wave of bubble gum products after WWII from Bazooka to Hubba Bubba and Bubble Yum into the 1970s. If you haven’t tested the stretchiness of your bubble gum lately, maybe today is the day.Whether you take us up on our invitation or not, bankers surely like to stretch...

01/12/2022 - Three Strategies To Harness Career-Changers

Did you know that some warm-blooded animals can adapt their body size to cope with rising temperatures? This phenomenon, known as “shapeshifting”, has been observed in more than half of all bird species. For example, the bill — used to exchange heat with the environment — is larger in birds living in warmer climates, than in the same species living in colder areas.American workers are also shifting these days  — as many of them question their life and look for new careers. In fact, half of American employees want to change careers, according to research by Harris Poll. Not only...

01/11/2022 - Lessons Learned From The Exodus Of Challenger Banks

Approximately 4.7MM LEGO pieces are produced every hour, and seven LEGO sets are sold by retailers every second. If all the LEGO bricks sold each year were laid next to each other, they would wrap around the world five times. Building a brand as well-recognized, trusted, and successful as LEGO is no easy enterprise. This is a lesson that many foreign and challenger banks have learned when trying to enter the US retail banking market. In November — less than 3Ys after launching in the US — German challenger bank, N26, announced plans to cease its US operations. N26 is...

01/10/2022 - Could Charitable Foundations Provide A Lasting Community Impact?

Have you heard of the Gross National Happiness (GNH) Index? The 4th King of Bhutan, King Jigme Singye Wangchuck was the first to coin the term “gross national happiness” in 1972. Later, the index was created in Bhutan as a metric that includes “non-economic aspects of wellbeing” such as, education, community vitality, and health, for a holistic view of a country’s progress. Even though Bhutan is the only country currently using the GNH Index, we thought it was pretty interesting.Even though the GNH Index isn’t used in the US, community financial institutions (CFIs) have always supported their communities’ holistic wellbeing....

01/07/2022 - How CFIs Are Managing Remote Work

Sometimes one event can trigger another in unexpected ways. For instance, in 1905, an 11Y old named Frank Epperson was passing the time by mixing powdered soda and water in a cup with a stick. He left the cup on the porch when he went in for the night. The next morning, he found a “sweet icicle on a stick.” Frank called it the Eppsicle and made it for his friends. It wasn’t until his kids started calling them Pop’s-icicle, which became Popsicle officially in 1923. Similar to the discovery of Popsicles, remote work became an unexpected, yet useful, result...

01/06/2022 - Will The Agricultural Recovery Last?

Cranberries are one of the few fruits native to North America. Although now grown in many parts of the world, the US is still responsible for 75% of global cranberry production. With approximately 4,400 cranberries needed to produce one gallon of juice, Americans consume 400MM pounds of cranberries every year — 80MM pounds in Thanksgiving week alone! While Thanksgiving is in the rearview mirror, many farmers are still feeling thankful. We look at why farmers — and the bankers that serve them — are thankful for so much in 2021 and how they are cautiously optimistic about 2022. A good...

01/05/2022 - How CFIs Can Maintain Customer Stickiness

No one knows for sure when stickers were invented. European entrepreneurs of the 1880s used a gum paste to get their labels to stick. The first self-adhesive stickers were made in 1935 by R. Stanton Avery from Oklahoma. He used a few spare parts and a $100 loan from his fiancée and went on to found one of the biggest label companies that still bears his name.Avery found a way to make his products stick. How can community financial institutions (CFIs) do the same with their customers? In the current low-rate environment, it is a challenge. It’s difficult to know...

01/04/2022 - Contactless Commerce Technologies Could Help SMBs

In the 1960’s television show, “Bewitched,” Elizabeth Montgomery was able to do magic merely by twitching her nose. Likely many of us wished for this talent. In reality, however, her famous nose twitch was actually an illusion created by Ms. Montgomery wrinkling her nose and quickly moving her lips from side to side, along with the film speeding up a bit. While Elizabeth Montgomery’s nose twitch was more fiction, facial movements can now actually make payments, which is somewhat magical. “Pay-by-face” and radio-frequency identification (RFID) are two contactless commerce technologies that have arisen in the retail and restaurant sectors lately....

01/03/2022 - Top Five Trends For 2022

Since ancient times, humans have tried using various types of divination in an attempt to predict the future. Felidomancy, also known as Ailuromancy, is one of the more unusual divination techniques used over the ages. Favored by the ancient Egyptians, Felidomancy practitioners claim to be able to predict the future by observing the behavior and movements of cats.If you are expecting to hear our predictions based on cat behavior, we are sorry to disappoint you. Instead, we look for clues from economic indicators, recent events, and market forces. Here is our assessment of things to come in 2022.1. Inflation uncertainty...

12/31/2021 - Top 2021 BID Articles (5 of 5)

12/30/2021 - Top 2021 BID Articles (4 of 5)

12/29/2021 - Top 2021 BID Articles (3 of 5)

12/28/2021 - Top 2021 BID Articles (2 of 5)

12/27/2021 - Top 2021 BID Articles (1 of 5)

12/24/2021 - De Novos Are On The Rise – Trend Or Blip?

12/23/2021 - New Cyber Risk Reporting Rule

12/22/2021 - An Update On Cryptocurrency

12/21/2021 - CFIs Combat Employee Turnover

12/20/2021 - Getting Maximum Value From Your Core Provider

12/17/2021 - Uncovering Opportunities In Treasury Management Services

12/16/2021 - Three Reasons You Should Entice Middle Market Businesses

12/15/2021 - Is Your Institution Ready To Transition From LIBOR?

12/14/2021 - How To Balance Digital Innovations With Daily Tasks

12/13/2021 - CNP Is Responsible For 80% Of US Fraud

12/10/2021 - Time Wasters – How To Minimize Them In Your Institution

12/09/2021 - FSOC Highlights Climate-Related Risks

12/08/2021 - What Does The Shift In Consumer Spending Mean For CFIs?

12/07/2021 - Have You Considered These Cyber Risks With Your M&A?

12/06/2021 - Five Lending Tips To Stay Competitive

12/03/2021 - Have You Reviewed Your Institution’s Cash Strategy Lately?

12/02/2021 - Supply Chain Woes Continue For SMBs – CFIs Can Help

12/01/2021 - Bank Merger Deals Hit $52B – How Will Community Banks Fare?

11/30/2021 - Housing Rental Market Is Red Hot – But For How Long?

11/29/2021 - OTP Fraud – What Is It & How Can You Prevent It?

11/26/2021 - Is Your Institution Keeping Up With Customer Data Privacy Rules?

11/24/2021 - A Look Back In 2021 - Lending & CRE (Part 2)

11/23/2021 - A Look Back In 2021 - Regulations & Cyber Risk (Part 1)

11/22/2021 - Three Ways To Help Businesses With Global Payments

11/19/2021 - Cryptocurrency Exchange Machines & Crypto Banking

11/18/2021 - Proptech – Landlords Gain Efficiencies

11/17/2021 - How Should CFIs Approach Buy Now, Pay Later?

11/16/2021 - Three Areas To Use Customer Research To Strengthen Your CFI

11/15/2021 - Decentralized Finance Is Coming

11/12/2021 - The Benefits Of Virtual Conferences And Business Metaverses

11/10/2021 - Six Steps To Becoming A Successful Blogger

11/09/2021 - Using AI For Risk Management And Efficiency Gains

11/08/2021 - Managing The Effects of Revenue Recession

11/05/2021 - Is Your Content Generating New Business?

11/04/2021 - Stemming The Rise Of Elder Financial Fraud

11/03/2021 - Three Approaches To Attract Younger Customers

11/02/2021 - How Can CFIs Navigate Continuing Bank Card Chip Woes?

11/01/2021 - The End Of Google Plex Yet Embedded Banking Continues

10/29/2021 - Three Payment Strategies To Support SMBs

10/28/2021 - FIs Share Data To Strengthen Cybersecurity

10/27/2021 - CFOs Face Today’s Challenges Head-On

10/26/2021 - Can You Detect A Profitable Startup?

10/25/2021 - Three Ways To Become A Better Manager And Retain Employees

10/22/2021 - Harnessing Digital For Hyper-Personalized Service

10/21/2021 - Do You Have Secure Endpoint Security?

10/20/2021 - Can CECL Make Your Institution More Efficient?

10/19/2021 - Facebook’s Cryptocurrency Emerges Again - Threat Or Opportunity?

10/18/2021 - Small Businesses Need CFIs For International Payments

10/15/2021 - Can Your Institution Compete Effectively For Talent?

10/14/2021 - Five Ways To Prevent Employee Burnout

10/13/2021 - How Are CFIs Doing With The LIBOR Transition?

10/12/2021 - Are Shared Branches Possible?

10/08/2021 - Storytelling 101 For Bankers

10/07/2021 - Credit Union-Community Bank Mergers Continue

10/06/2021 - Three Strategies For Landlords After The Moratorium Expires

10/05/2021 - Are You On Top Of Your Patch Management?

10/04/2021 - Inflation Is Up – Now Is The Time For Stress Testing

10/01/2021 - Preparing For Retirement Of Boomer Business Owners

09/30/2021 - Regulatory Update & Focus For Your Next Exam

09/29/2021 - Opportunities With Nonemployer Firms Abound

09/28/2021 - Is Low-Code Or No-Code Worthwhile To Stay Digitally Competitive?

09/27/2021 - Top Five Places Where CECL Calculations Can Go Wrong

09/24/2021 - Strategic Planning For 2022 Requires Proactive Leadership

09/23/2021 - Syndicated Loan Market Offers Lending Possibilities For CFIs

09/22/2021 - PPP Forgiveness Audits – What Should You Know?

09/21/2021 - Five Steps To Bring Back Internship Programs

09/20/2021 - Digital-Only Spin-Offs For CFIs?

09/17/2021 - Hybrid Branches – The Best Of Both Worlds?

09/16/2021 - Overall Lending Market Signs

09/15/2021 - Balancing Fintech Partnerships & Regulatory Compliance

09/14/2021 - How To Choose The Right CECL Vendor

09/13/2021 - How To Balance Customer Profitability& PPP Forgiveness

09/10/2021 - Seven Strategies To Gain & Retain Diverse Employees

09/09/2021 - FIs Reveal Their IT Spending Priorities

09/08/2021 - Natural Disasters Keep Coming – Preparing With Fresh Eyes

09/07/2021 - Three Steps To Optimal Digital Onboarding

09/03/2021 - Staying Vigilant With MFA

09/02/2021 - Is Wealth Management The Key For Your Institution?

09/01/2021 - BaaS Transactions Hit $22.5B & Continue To Grow

08/31/2021 - Are CRE Lending Prospects On The Upswing?

08/30/2021 - Retaining Talent As Workers Rethink Career Goals

08/27/2021 - How To Reduce “The Uncertainty Zone” Of Fraud

08/26/2021 - The Challenges Of Pandemic Protocols & Branch Security

08/25/2021 - Barclays & Mastercard – Latest RTP Developments

08/24/2021 - Minority-Owned Businesses Get Support From FIs

08/23/2021 - Hospitality Industry – Is It Out Of Intensive Care Yet?

08/20/2021 - Key Areas Of Anticipated Regulatory Scrutiny

08/19/2021 - Is It Time To Review Your Branch Strategy?

08/18/2021 - Bringing Your A-Game To Communications

08/17/2021 - Four Reasons CFIs Are Acquiring Nonbanks

08/16/2021 - Three Ways To Help Your SMBs Automate Their AP Processes

08/13/2021 - Gen Z Employees Need Three Things To Stay Happy

08/12/2021 - Appealing To Gen Z – A Competitive Advantage

08/11/2021 - How CFIs Can Prepare For Rising Rates

08/10/2021 - How Can You Keep New Customers From Switching?

08/09/2021 - Supporting Single Parent Employees For A Win-Win

08/06/2021 - Five Ways To Support Artists And Generate Business

08/05/2021 - What Is Keeping Risk Managers Busier Than Ever?

08/04/2021 - Financial Institutions Of All Sizes Increase DEI Efforts

08/03/2021 - Is It Time To Defer Compensation?

08/02/2021 - Key Strategies To Promote Digital Engagement

07/30/2021 - Big Tech Approaches To Streamline & Secure Passwords

07/29/2021 - The Fed’s New CECL Tool

07/28/2021 - Ag Lenders Show Resilience And Promise Ahead

07/27/2021 - Update: The Overdraft Challenge

07/26/2021 - Chip Shortage Affects Bank Card Availability

07/23/2021 - The Rising Financial Clout Of Millennials

07/22/2021 - FFIEC Update Provides More Clarity On Exams

07/21/2021 - Managing The Rush From Staycation To Vacation

07/20/2021 - FDIC Announces Tech Sprint To Help Unbanked

07/19/2021 - “Insuring” Cyber Success For SMBs

07/16/2021 - Digital Account Opening – Is It Table Stakes?

07/15/2021 - Five Indicators That Your Brand Needs A Makeover

07/14/2021 - Can Profitability Increase In A Low NIM Environment?

07/13/2021 - Five Steps To Plan For Digital Currencies

07/12/2021 - Using Data To Expand Your Institution’s SBA Lending

07/09/2021 - Update - SEC’s Climate Change Regulations

07/08/2021 - Real-Time Payments - Myths & Facts

07/07/2021 - PPP Insider Loans Extended – Pros, Cons & Pitfalls

07/06/2021 - Time To Review Your Coaching & Disciplinary Process?

07/02/2021 - How To Minimize Current Balance Sheet Disparity

07/01/2021 - Approaches To Stay Connected With Small Businesses

06/30/2021 - C-PACE Is Growing – What Should You Know?

06/29/2021 - Four Strategies To Fight IVR Fraud

06/28/2021 - Considerations For A Successful Workplace Transition

06/25/2021 - A Fresh Approach To Modern ATMs

06/24/2021 - Increasing Finance App Usage - How to Respond

06/23/2021 - Three Effective Succession Planning Strategies

06/22/2021 - How To Square Up The Latest Competition

06/21/2021 - Three Eco-Friendly Payment Card Strategies

06/18/2021 - Business Email Fraud Is Growing

06/17/2021 - Ransomware Attacks On Community Banks

06/16/2021 - Top Takeaways For FSA Loan Forgiveness

06/15/2021 - Neobanks Are Growing – Are They A Threat?

06/14/2021 - Virtual Cards Are Here – What Should You Know?

06/11/2021 - How To Compete With Marketplace Lenders

06/10/2021 - Private Social Networks Engage Customers

06/09/2021 - Four Best Practices For Changing Culture To Stay Competitive

06/08/2021 - Helping Small Businesses With Supply Chain Disruptions

06/07/2021 - Remote Core Conversion Benefits May Outweigh Downsides

06/04/2021 - Banking M&A Rebounding To Near Pre-Pandemic Levels

06/03/2021 - Strategic Planning – Has It Changed Since The Pandemic?

06/02/2021 - Coin Shortage Meets A Cashless Economy

06/01/2021 - Teaching International Business Customers The Value Of Hedging

05/28/2021 - Social Media Complaints – What You Should Do

05/27/2021 - Why The Gig Worker Should Get Your Attention

05/26/2021 - What To Consider For Digital Inclusivity

05/25/2021 - Four Ways To Successfully Ramp Up SMB Lending

05/24/2021 - How The Pandemic Has Shaped Fintech-CFI Partnerships

05/21/2021 - Big Banks Return To The Office Post-Pandemic

05/20/2021 - Cryptocurrencies Are Growing – Is It Worth Jumping In?

05/19/2021 - Keeping Family-Owned Banks In The Family

05/18/2021 - Options For Legal Support In Today’s Market

05/17/2021 - Podcasting is Smart Marketing for CFIs

05/14/2021 - CRE Outlook is Positive As Economy Ramps Up

05/13/2021 - Facial Biometrics Help FIs Fight Onboarding & KYC Fraud

05/12/2021 - Resuming CECL Compliance Planning

05/11/2021 - Educate Your Board On Post-Pandemic Strategies

05/10/2021 - Cybercrime & The Dark Web: 3 Steps to Stay Vigilant

05/07/2021 - An AI Primer For Increasing Efficiency

05/06/2021 - 4 Ways Digital Marketing Transitions You To The “New Normal”

05/05/2021 - FIs Will Spend $130B on RegTech By 2025

05/04/2021 - Encouraging Small Talk Within Your Institution

05/03/2021 - Officer Incentive Plans & Profitability

04/30/2021 - Subscription Banking – Is It Time For Your Institution?

04/29/2021 - Helping Your Customers Combat Online Crime

04/28/2021 - Residual CRE Impact From The Pandemic

04/27/2021 - Inflation & Interest Rates – Where Are They Going?

04/26/2021 - Community Bankers Will Continue Saving The Day

04/23/2021 - Should Your Institution Consider Creating A CDO Position?

04/22/2021 - Four Critical Reminders To Transition From LIBOR To SOFR

04/21/2021 - Stay On Top Of PPP Changes For Your Customers

04/20/2021 - Five Strategies Toward Effective Vendor Management

04/19/2021 - Community Bankers Keep Saving The Day

04/16/2021 - $21 Trillion Opportunity In Cross-Border Payments

04/15/2021 - Core Deposit Growth Sets Your Institution Up For The Future

04/14/2021 - Update: State Online Data Privacy Laws

04/13/2021 - Four Ways To Keep Your Landlord Clients Afloat

04/12/2021 - Community Bankers Save The Day Again

04/09/2021 - Physically Fit Bank Customers Are Fiscally Fit Too

04/08/2021 - Appealing To The $143B Spending Power Generation

04/07/2021 - ACH Disruptions Remind Bankers of BCP Importance

04/06/2021 - 3 Ways To Keep Performance High With Hybrid Employees

04/05/2021 - Community Bankers Save The Day

04/02/2021 - CRE Recovery Looks Mixed – Winners and Losers

04/01/2021 - How Is FedNow Coming Along?

03/31/2021 - Learning To Swim In Liquidity – What Can Bankers Do?

03/30/2021 - Community Banks And Credit Unions – New Friendships?

03/29/2021 - Four Ways To Progress With Corporate Governance

03/26/2021 - Put Your Referral Programs In Gear

03/25/2021 - Trade Finance Can Grow International Business

03/24/2021 - Reaching More Customers By Going Viral

03/23/2021 - Six Steps Your Institution Should Take Towards SOFR

03/22/2021 - Three Key Areas Impacting Customer Profitability

03/19/2021 - Branch Closures – The Influencers & The Future

03/18/2021 - Zoom Fatigue Is Still Here – How It Affects Us And What To Do

03/17/2021 - Five Ways To Grow Your Business

03/16/2021 - Merchants Optimistic About Contactless Payments

03/15/2021 - Stemming The Exodus Of Women In The Workplace

03/12/2021 - Helping The Underbanked And Unbanked

03/11/2021 - What SMBs Are Looking For In International Payment Solutions

03/10/2021 - How To Test For Volatility In A Post-Pandemic Normal

03/09/2021 - Three Ways To Add More Board Diversity

03/08/2021 - Three Ways To Improve The Customer Experience

03/05/2021 - What Are Banks Saying About M&A In 2021?

03/04/2021 - Three Steps To Get Started With Open Banking

03/03/2021 - 50% Of People Would Switch Banks For Biometric Cards

03/02/2021 - Should CFIs Worry About Peak Oil?

03/01/2021 - How Do You Identify & Fight Synthetic Identity Fraud?

02/26/2021 - Help Your Borrowers With Tax Breaks On Forgiven PPP Loans

02/25/2021 - Three Ways To Help Small Landlord Customers

02/24/2021 - Leadership Traits Are Evolving

02/23/2021 - Using Biometrics While Mitigating The Risks

02/22/2021 - Retain Deposits With Technology

02/19/2021 - Your Next Exam & Tough Questions On Climate Change Risks

02/18/2021 - Helping SMBs Ramp Up Digital Disbursements

02/17/2021 - From Pandemic To Productivity Challenges

02/16/2021 - Three Secrets Of Successful Fintech Partnerships

02/12/2021 - How Will CECL Affect Your Institution’s Securities?

02/11/2021 - Relationship Value Pricing And Customer Profitability

02/10/2021 - Passwords – Are Their Days Numbered?

02/09/2021 - Using Influencer Marketing To Engage Customers & Talent

02/08/2021 - Security Operations Center – Is It For You?

02/05/2021 - Startups Find Opportunities – Your Institution Could Too

02/04/2021 - FedNow℠ Service Is Making Progress – What You Should Know

02/03/2021 - Credit Migration Trend – Where Is It Heading?

02/02/2021 - The COVID-19 Vaccine And Your Employees

02/01/2021 - Educating Your Customers About SIM Swap Fraud

01/29/2021 - Employee Diversity Boosts Engagement & Performance

01/28/2021 - The Year Ahead In Anti-Money Laundering Compliance

01/27/2021 - LIBOR To SOFR – Next Steps To Keep You On Track

01/26/2021 - How Can Wire Automation Help Your Institution?

01/25/2021 - Categorizing PPP Customers For Customer Profitability

01/22/2021 - Opportunities Emerge As Digital Banking Increases

01/21/2021 - PPP Lending Is Back . . . And There Are Changes

01/20/2021 - Making Meetings More Productive

01/19/2021 - Four Ways To Help Your Customers Fight Fraud

01/15/2021 - Bank Landscaping For Greater Engagement

01/14/2021 - Embedded Banking Is Expanding

01/13/2021 - Merchant Businesses Generate 2.6x More Revenue

01/12/2021 - Automation Keeps Your Institution Competitive

01/11/2021 - How One Of Your Peers Succeeded With Mobile Wallets

01/08/2021 - Staying Compliant With Artificial Intelligence

01/07/2021 - Three Ways To Manage 2021 Lending Challenges

01/06/2021 - Four Banking Technology Spending Trends In 2021

01/05/2021 - Your Data Privacy Program Can Be A Competitive Tool

01/04/2021 - Top 5 Areas Of Regulatory Focus For 2021

12/31/2020 - Top 2020 BID Articles (5 of 5)

12/30/2020 - Top 2020 BID Articles (4 of 5)

12/29/2020 - Top 2020 BID Articles (3 of 5)

12/28/2020 - Top 2020 BID Articles (2 of 5)

12/24/2020 - Top 2020 BID Articles (1 of 5)

12/23/2020 - Lessons In Longevity With The Oldest Community Banks

12/22/2020 - Is The Tide Shifting For Cannabis Businesses?

12/21/2020 - PCBB Survey Results Are In - The COVID Impact On CFIs

12/18/2020 - Faster Payments: What Are Your Peers Doing?

12/17/2020 - Four Ways To Help Seniors Avoid 2020 Holiday Online Fraud

12/16/2020 - Three Creative CRE Opportunities For Unused Space

12/15/2020 - Diversity & Inclusion Assessments - Time To Be Proactive?

12/14/2020 - PPP-Related Scams To Avoid

12/11/2020 - SOFR Takes The Spotlight As LIBOR's Days Are Numbered

12/10/2020 - Open Banking - What You Should Know

12/09/2020 - Bank M&A - Present & Future

12/08/2020 - Fed's Program Helps CRA Connections

12/07/2020 - QR Codes For Contactless Payments - Here To Stay?

12/04/2020 - Holiday Parties A La Pandemic

12/03/2020 - How To Renew Your D&O During A Pandemic

12/02/2020 - Six Mobile Banking Tips For Maximum Engagement

12/01/2020 - Inquiry & Insight: SERPs, Employee Onboarding, MSLP

11/30/2020 - Competitively Recruiting For Longevity & ROI

11/27/2020 - Digital Ads Are Growing - Why Your CFI Should Jump In

11/25/2020 - Credential Stuffing - What It Is & How To Combat It

11/24/2020 - Is Suburban Migration An Advantage For CFIs?

11/23/2020 - CECL Is Still On The Horizon - Three Considerations

11/20/2020 - Five Best Practices For Top Employee Satisfaction

11/19/2020 - Banking Regulators Discussing Climate Risks

11/18/2020 - Creating More Connections With Millennials

11/17/2020 - What International Business Customers Want From Their CFI

11/16/2020 - Bank Charters For Tech Giants?

11/13/2020 - Opportunities With The Internet Of Things

11/12/2020 - Three Tips To Succeed With Wealth Management Services

11/10/2020 - Four Tips For Your Next Regulatory Examination

11/09/2020 - Small-Dollar Loans: An Update

11/06/2020 - Four Pandemic-Specific Loyalty Rewards

11/05/2020 - Inquiry & Insight: Businesses, Mobile-First Card, Remote Workers

11/04/2020 - Three Ways to Help Your Customers Amid Financial Anxiety

11/03/2020 - Will Financial Institutions Look Like Dentist Offices?

11/02/2020 - More Regulators Helping Community Bankers

10/30/2020 - Payment Trends Now And Post-Pandemic

10/29/2020 - Four Mistakes To Avoid With Technology Development

10/28/2020 - Fed's Flexibility Helps Community Bankers Serve Customers

10/27/2020 - Five Key Indicators For The CRE Market

10/26/2020 - Helping Budding Entrepreneurs During A Pandemic

10/23/2020 - Could Google Affect Lending And New Talent Pools?

10/22/2020 - Three Ways To Engage Minority-Owned Businesses

10/21/2020 - Bank M&A Antitrust Under Review

10/20/2020 - Conversations With Bankers On Lending And 2021 Planning

10/19/2020 - Reasons To Consider One-Stop Bill Payment

10/16/2020 - Three Reasons Why MSLP Is Viable

10/15/2020 - Faster Payments Are Here - Are You Ready?

10/14/2020 - Password Management Reminders In A WFH World

10/13/2020 - Inquiry & Insight: Stock Buy Back, Branches, Diversity

10/09/2020 - The Latest Signs Of Business Optimism

10/08/2020 - Three Strategies To Manage Child Care Issues

10/07/2020 - Agribusiness Trends To Watch

10/06/2020 - Five Leadership Tips For Remote Teams

10/05/2020 - Fighting Back Against Mobile Banking Fraud

10/02/2020 - Thanking Customers Especially During The Pandemic

10/01/2020 - Pandemic Prompts CFOs To Use More Automation

09/30/2020 - Four Ways To Engage Gen Z Employees

09/29/2020 - Four Ways To Attract Gen Z Business Owners

09/28/2020 - What Banks Should Know About Crypto Custody Services

09/25/2020 - Strategic Planning Considerations During A Pandemic

09/24/2020 - Three Steps Forward In The LIBOR-SOFR Transition

09/23/2020 - Four Steps For Virtual Employee Onboarding

09/22/2020 - A Refresher For Complaint Management

09/21/2020 - Will Drive-Through Banking Continue?

09/18/2020 - Looking Outside Of The Core For Technology

09/17/2020 - Three Key Liquidity Risk Management Reminders

09/16/2020 - Disasters Are Striking - Is Your Institution Ready?

09/15/2020 - Which Type Of Financial Institutions Will Cut Jobs?

09/14/2020 - Make Your App Stand Out In The Crowd

09/11/2020 - Two Ways To Cut Costs for Greater Profitability

09/10/2020 - Adapting Performance Reviews For Working Remotely

09/09/2020 - Three Ways RegTech Could Help Your Institution

09/08/2020 - M&A In 2020 - Sweet Or Sour?

09/04/2020 - Inquiry & Insight: Security Plans, Gen Z, Profitability

09/03/2020 - Helping Millennials Through The Crisis

09/02/2020 - OCC Proposes A Special Payments Charter

09/01/2020 - Using AI To Reduce Bias

08/31/2020 - How Your Employees Can Solve Customer Problems

08/28/2020 - Digging Deeper With Your Borrowers

08/27/2020 - Is It Time To Update Your Digital Account Onboarding?

08/26/2020 - Strategies To Mitigate Credit Crunch

08/25/2020 - Ransomware Resurgence

08/24/2020 - Google & Financial Institutions - Possible New Partnerships

08/21/2020 - Strategies For Institutions To Stay Independent

08/20/2020 - What 5G Could Mean For Banking

08/19/2020 - FDIC Guidance Broadens Employment Pool

08/18/2020 - Three Branch Security Tips During COVID-19

08/17/2020 - Stress Testing And Liquidity

08/14/2020 - Creative Ways To De-Stress Your Staff And Customers

08/13/2020 - What To Do With Your PPP Loans

08/12/2020 - The Pandemic, Cashless Payments & The Unbanked

08/11/2020 - Customer Review Sites Share Your Safety Efforts

08/10/2020 - Main Street Lending Program Could Help

08/07/2020 - Keep Moving With LIBOR's Transition

08/06/2020 - Insights For Your Strategic Planning

08/05/2020 - Should You Be Doing Banking-As-A-Service?

08/04/2020 - Ways To Manage The Coin Shortage

08/03/2020 - Inquiry & Insight: Compliance, AI, Strategic Initiatives

07/31/2020 - Should You Consider Gig Workers As Customers?

07/30/2020 - The Unique Financial Needs Of Women

07/29/2020 - New Technology Update: KYC Video Authentication

07/28/2020 - Merging In The Face Of A Crisis

07/27/2020 - How To Mitigate Currency Risk For Your Customers

07/24/2020 - The Personal Touch In Digital Banking

07/23/2020 - Five Ways To Boost Employee Morale

07/22/2020 - Steering Clear Of Unemployment Fraud

07/21/2020 - FinCEN Guidance On Pandemic Fraud Scams

07/20/2020 - Is Divestment An Option?

07/17/2020 - Developing Your Banking App - The Time May Be Right

07/16/2020 - The Latest Regulatory Stress Test Findings

07/15/2020 - Key Technologies Used To Communicate With Customers

07/14/2020 - Frustrated PPP Applicants Could Become New Customers

07/13/2020 - PPP Fraud - How To Protect Your Institution

07/10/2020 - Is It Time For A Fintech Partnership?

07/09/2020 - Three Ripe Ways To Refine Your Lending Process

07/08/2020 - What Is Needed During The Second Wave Of COVID-19

07/07/2020 - Risks Associated With Contact Tracing

07/06/2020 - Inquiry & Insight: Back To Work With The Coronavirus

07/03/2020 - The Right Time 4 Financial Literacy 4 Kids

07/02/2020 - What Have Your Peers Been Doing In This Crisis?

07/01/2020 - Potential Blind Spots in Risk Management?

06/30/2020 - Assessing Capital Using Economic Data

06/29/2020 - Net Interest Margins And Interest Rate Swaps

06/26/2020 - Leadership Communication During The Transition

06/25/2020 - Pay Considerations With Remote Workers

06/24/2020 - Helping Customers Through the PPP Forgiveness Process

06/23/2020 - Community Financial Institutions And Social Change

06/22/2020 - How Subchapter V Bankruptcy Could Help Your Customers

06/19/2020 - Getting Ready To Resume Full Services Post COVID-19

06/18/2020 - Optimizing Your Website For Voice Searches

06/17/2020 - Getting The Most Out Of The Last Days Of PPP

06/16/2020 - Keeping Seniors Engaged With Digital Banking

06/15/2020 - Will We Transition To SOFR In 2021?

06/12/2020 - Bank M&A Climate: Is There An Urge To Merge?

06/11/2020 - Inquiry & Insight: Lenders Staying Financially Fit

06/10/2020 - Bridging The Technical Skills Gap

06/09/2020 - Reap More Fee Income With Wealth Management

06/08/2020 - After the PPP - Now What?

06/05/2020 - Will Negative Interest Rates Happen In The US?

06/04/2020 - Virtual College Recruiting During The Pandemic

06/03/2020 - A Taste Of Today's Commercial Real Estate Market

06/02/2020 - Long-Term Benefits Even After PPP

06/01/2020 - Cloud Services - Strategy And Risk

05/29/2020 - New Technologies Facilitating Businesses Reopening

05/28/2020 - Changing Lending Practices

05/27/2020 - Regulatory Changes For International Remittance Transfers

05/26/2020 - Mobile Credit Card Apps Becoming More Important

05/22/2020 - Safely Reopening Your Branches

05/21/2020 - Top Six Stress Testing Tips During COVID-19

05/20/2020 - COVID-19 Risk Analysis

05/19/2020 - The Main Street Lending Program - A Summary

05/18/2020 - Remote Meeting Management

05/15/2020 - How COVID-19 Affects Men And Women Differently

05/14/2020 - Serving Your CRE Business Customers Going Forward

05/13/2020 - New Cyber Risks With COVID-19

05/12/2020 - Interest Rate Swaps and Loan Modifications with COVID-19

05/11/2020 - The State of Small Business

05/08/2020 - Consumer Behavior Changes During COVID-19

05/07/2020 - Remote Work - For Recruiting & Retention

05/06/2020 - COVID-19 Loan Modifications - Risk Rating

05/05/2020 - Social Distancing And Healthy Employees

05/04/2020 - Inquiry & Insight - More Coronavirus Questions

05/01/2020 - Post-COVID-19 Office Design And Practices

04/30/2020 - Banking Redefined Post-COVID-19 - Institutions (Part 2 of 2)

04/29/2020 - Banking Redefined Post-COVID-19 - Customers (Part 1 of 2)

04/28/2020 - Morale-Building During COVID-19

04/27/2020 - Community Banks Continue Making A Difference

04/24/2020 - Social Media Tips During COVID-19

04/23/2020 - COVID-19 And Your CRE Portfolio

04/22/2020 - Job Loss And Economic Recovery

04/21/2020 - Is Your Data Security Plan Ready For COVID-19?

04/20/2020 - Community Banks Keep Making A Difference

04/17/2020 - Transitioning Your Communications

04/16/2020 - Three Steps To Assess Customer Profitability Post-COVID-19

04/15/2020 - Stepping Up Technology During The Coronavirus

04/14/2020 - Recap Of The Fed Webinar On PPPLF

04/13/2020 - Community Banks Making A Difference

04/10/2020 - Liquidity And Capital Management During COVID-19

04/09/2020 - Key Takeaways Of The CARES Act

04/08/2020 - Inquiry & Insight - Coronavirus Questions

04/07/2020 - COVID-19 Insights

04/06/2020 - Health And Wellness During The Coronavirus Crisis

04/03/2020 - How The Big Banks Are Managing The Coronavirus

04/02/2020 - Bankers Ask Regulators For Help - Part 2

04/01/2020 - Bankers Ask Regulators For Help - Part 1

03/31/2020 - CRA Considerations During COVID-19

03/30/2020 - Remote Work Practices

03/27/2020 - Leading During A Crisis

03/26/2020 - COVID-19 - FDIC Guidance On Capital And Liquidity Buffers

03/25/2020 - FOMC's Drastic Measures For Unprecedented Times

03/24/2020 - FDIC FAQs For Financial Institutions And Customers

03/23/2020 - COVID-19, Housing, Jobs, And Other Indicators

03/20/2020 - Tips To Increase Loan Growth

03/19/2020 - Training Your Staff On Digital Banking

03/18/2020 - BEC Compromise - An Update

03/17/2020 - Coronavirus Contingency Plans

03/16/2020 - Big Banks Report On CECL

03/13/2020 - Open Your Institution's Silos

03/12/2020 - Chatbots For Employee Advice

03/11/2020 - Fighting Fraud With The Latest From FICO

03/10/2020 - How To Prepare For The Digital Evolution

03/09/2020 - Business Credit Cards - A Good Opportunity?

03/06/2020 - A Laundry List To Get More Deposits

03/05/2020 - It's Never Too Early For Succession Planning

03/04/2020 - Maximizing Your Branches

03/03/2020 - How CECL Affects Bank Investors

03/02/2020 - Inquiry & Insight - Open Banking, Cyber, AI

02/28/2020 - Data Collection And Customer Trust

02/27/2020 - If You Can't Hire Them, Train Them

02/26/2020 - Customer Experience & Employee Compensation

02/25/2020 - Do You Have Cyber Alert Fatigue?

02/24/2020 - Data Privacy Laws - What You Should Know

02/21/2020 - A Refresher On Automation And AI

02/20/2020 - Learning From Fannie And Freddie With CECL

02/19/2020 - Portfolio-Level Analysis Of CRE Loans

02/18/2020 - Risk And Compliance - What Your Peers Say

02/14/2020 - Getting Real With Faster Payments

02/13/2020 - MasterCard's Digital ID

02/12/2020 - Employee Fraud Prevention

02/11/2020 - Is M&A Still A Good Idea?

02/10/2020 - Small Business Capital Needs

02/07/2020 - Smartwatch Banking - Is The Time Now?

02/06/2020 - Fine-Tuning Your Tech Strategy

02/05/2020 - Lending To Small Businesses

02/04/2020 - Rate Reductions And Profitability

02/03/2020 - Insight & Inquiry - Fraud, Branches, CRE

01/31/2020 - The Middle Course Of Management

01/30/2020 - Stepping Through Technology Disruption

01/29/2020 - Thwarting Faster Payment Fraud

01/28/2020 - Extending Your Social Media Through Employees

01/27/2020 - Risk-Based Loan Pricing Strategy

01/24/2020 - The Coming Of Digital ID Cards

01/23/2020 - Collaboration Tips For Bankers

01/22/2020 - Taking A Page From Netflix's Playbook

01/21/2020 - Mobile Fraud And Trust

01/17/2020 - Cybersecurity Trends In 2020

01/16/2020 - How To Succeed With Your Business Customers

01/15/2020 - CRA - A New Proposal

01/14/2020 - Strategies For Reducing Branch Costs

01/13/2020 - LIBOR To SOFR - The Latest Update

01/10/2020 - Is It Time For Mobile Wallets?

01/09/2020 - How To Use The Extra Time For CECL

01/08/2020 - Severe Weather Patterns And Banking

01/07/2020 - Biometric Payments - What You Should Know

01/06/2020 - Inquiry & Insight - Public Banks, Deposits, Google

01/03/2020 - CSBS Community Banking Update

01/02/2020 - A Look Back On 2019 And Planning For 2020

12/23/2019 - Top 2019 BID Articles

12/20/2019 - Saving Apps For Deposit Opportunities

12/19/2019 - Nurturing Start-Up Customers

12/18/2019 - Multi-Factor Authentication - An Update

12/17/2019 - Small Bank Holding Company Changes

12/16/2019 - Millennials And Wealth Management

12/13/2019 - Building Effective Teams

12/12/2019 - Online Search Strategies For More Leads

12/11/2019 - Managing Online Customer ID Fraud

12/10/2019 - Can You Win Over Younger Employees?

12/09/2019 - The Latest Development On Fintechs

12/06/2019 - New Capital Leverage Ratio - Opt In Or Out?

12/05/2019 - Fighting ATM Skimming

12/04/2019 - Should You Consider Chatbots?

12/03/2019 - Practical Approaches To Big Competition

12/02/2019 - Inquiry & Insight - Cyber, Compliance, Digital

11/29/2019 - Interest Rate Collars In Today's Market

11/27/2019 - Cyber Risk And Digital Fingerprints

11/26/2019 - Tapping Into Private Equity Firms

11/25/2019 - Google And Business Owners Stride

11/22/2019 - How To Handle An Unsolicited Offer

11/21/2019 - Negative Interest Rates

11/20/2019 - Big Data And Capital

11/19/2019 - Helping Your Customers With EXIM

11/18/2019 - Stress Testing Tips

11/15/2019 - Small Business Snapshot

11/14/2019 - Capital Raise Opportunities

11/13/2019 - Changes Coming With The New Overtime Rule

11/12/2019 - CECL Learnings From The Big Banks

11/08/2019 - Rural Customers Need Mobile Services

11/07/2019 - Shoring Up For A Recession

11/06/2019 - Best Practices For Audit Fundamentals

11/05/2019 - Ag Customers And Chapter 12

11/04/2019 - Inquiry & Insight - Charters, ADA, Tariffs

11/01/2019 - Keeping Customers Content While Waiting In Line

10/31/2019 - Are Countercyclical Capital Buffers Coming?

10/30/2019 - Serving The Underbanked And Unbanked

10/29/2019 - Helpful Tips For Your Next Exam

10/28/2019 - Using Alternative Data For Creditworthiness

10/25/2019 - Working Women - What They Want

10/24/2019 - Nonemployer Firms Need Funding Too

10/23/2019 - Foreign Bank Notes For Your SMBs

10/22/2019 - Digital Transformation And Communication

10/21/2019 - Update On Mobile Banking App Satisfaction

10/18/2019 - Where Are We With EMV Adoption?

10/17/2019 - International Payments To Grow Your Customers

10/16/2019 - Do Not Delay On CECL Activities

10/15/2019 - Pooling Cyber Intelligence

10/11/2019 - New ATM Advancements

10/10/2019 - Are You Overscheduling Your Employees?

10/09/2019 - Taking A Fresh Start With CECL

10/08/2019 - Various Levels Of Small Business Optimism

10/07/2019 - Increasing Customers With Bank-at-Work Programs

10/04/2019 - Fed Funds And EBA

10/03/2019 - Inquiry & Insight - Mobile, Diversity, Cloud

10/02/2019 - Management's Role When Outsourcing CECL

10/01/2019 - Cyber Risk Month - Knowing The New Risks

09/30/2019 - Does Your Board Have Skin In The Game?

09/27/2019 - How Far Have We Come Since The Great Recession?

09/26/2019 - An Inverted Yield Curve With Forward Swaps

09/25/2019 - The Demand For Loans Among Millennials

09/24/2019 - Does Your Institution Need An AI Strategy?

09/23/2019 - Do You Have A Balanced Board?

09/20/2019 - Canadian Check Processing

09/19/2019 - Managers And Employee Performance

09/18/2019 - Evaluating External Data For CECL

09/17/2019 - AML Tips

09/16/2019 - Sub-Brands Could Expand Your Customer Base

09/13/2019 - Video Banking Acceptance On The Rise

09/12/2019 - Speedier M&A Deals

09/11/2019 - Easier To File A De Novo Application Now

09/10/2019 - Elective Fees - Do They Work?

09/09/2019 - Broadening Your International Services

09/06/2019 - Inside The Customer Lifecycle

09/05/2019 - How To Close An Account

09/04/2019 - Data Aggregation - Current Options

09/03/2019 - Inquiry & Insight - New Products, Data Loss, SARs

08/30/2019 - SMBs Catching On To Cashless

08/29/2019 - Does Your Institution Instill Trust?

08/28/2019 - ERM Program Considerations

08/27/2019 - Digital Banking Promised Land

08/26/2019 - Bank Exams Tailored To Risk - An Update

08/23/2019 - Self-Driving Payroll - A New Trend For Banks?

08/22/2019 - CRE Lending Competition Heats Up

08/21/2019 - How To Ride Out An Inverted Yield Curve

08/20/2019 - Social Media Is Shifting

08/19/2019 - The Future Of Cyber Threats

08/16/2019 - Attracting Millennials Through Boomers

08/15/2019 - Q Factors Matter More For CECL

08/14/2019 - Hedging - DIY Or Outsource

08/13/2019 - Inquiry & Insight - Phishing, CECL, Competition

08/12/2019 - Contactless Payment - Will It Catch On?

08/09/2019 - UDAAP Enforcement

08/08/2019 - Profitability Of Deposits And The Yield Curve

08/07/2019 - Customer Memories And Your Bank's Reputation

08/06/2019 - How Banks Can Woo Gen Z Employees

08/05/2019 - Creative Community Involvement By Banks

08/02/2019 - Cutting Board Meetings - How To Make $6MM In 3Y

08/01/2019 - The Cost Of Doing What You Have Always Done

07/31/2019 - Industrial Hemp - Can Your Bank Jump In?

07/30/2019 - Marijuana Banking - Where Are We Now?

07/29/2019 - Using Extra Time Wisely With FASB's CECL Delay

07/26/2019 - LCR, HQLA And Munis

07/25/2019 - Board Self-Assessments

07/24/2019 - Hiring Employees From LMI Communities

07/23/2019 - FASB Proposed CECL Delay But No Time To Waste

07/22/2019 - AARP And Growing Financial Elder Abuse

07/19/2019 - How 5G Will Affect Digital Banking

07/18/2019 - Student Loans As A Gateway

07/17/2019 - SOFR Transition - Are You Ready?

07/16/2019 - Vendor Risk Management Refresher

07/15/2019 - AICPA Guidance On CECL

07/12/2019 - Product Assortment Or Customer Experience

07/11/2019 - Avoiding Unclaimed Assets

07/10/2019 - Succession Planning Examples

07/09/2019 - Inquiry & Insight - Deposits, Buybacks & Tracking

07/08/2019 - The Challenges Of Optionality And CECL

07/05/2019 - Fintech Education Programs

07/03/2019 - Deposits - Where Are They & How To Get More

07/02/2019 - E-Invoicing: Efficient Or Complex?

07/01/2019 - Demystifying Yield Maintenance

06/28/2019 - Cryptocurrency, Fiat Liquidity And BSA/AML

06/27/2019 - Low-Cost Deposits

06/26/2019 - The Limitations Of WARM

06/25/2019 - A New Open Banking Solution

06/24/2019 - Internships - New Rules

06/21/2019 - Checks And Your Business Customers

06/20/2019 - The Risks Of Mobile Wallets

06/19/2019 - Green Lending And Investments

06/18/2019 - Performance And Economic Snapshot

06/17/2019 - Medical Professionals And Financial Literacy

06/14/2019 - Big Data - An Update

06/13/2019 - BSA/AML Areas Of Focus

06/12/2019 - Top 4 Ways To Keep Customers Engaged

06/11/2019 - Avoiding Age Discrimination

06/10/2019 - Inquiry & Insight - Leverage, Payments & Social

06/07/2019 - Integrating Your Marketing

06/06/2019 - Gentrification And A New Code Of Conduct

06/05/2019 - B Corp - Is It Right For Your Bank?

06/04/2019 - Where Have All The M&A Premiums Gone?

06/03/2019 - Attract Deposits Without Raising Rates

05/31/2019 - The Rise Of Immigrant-Owned Small Businesses

05/30/2019 - Can Marie Kondo Help Community Banks?

05/29/2019 - Opportunity Zones - What, Where And How

05/28/2019 - Lessons From Digital Banking Latecomers

05/24/2019 - Be On The Lookout For Occupational Fraud

05/23/2019 - SOFR Transition - Contracts And Communication

05/22/2019 - Retail Lending - What To Consider

05/21/2019 - Reducing RDC Risk

05/20/2019 - Chatting About Chatbots For Community Banks

05/17/2019 - Forward Rate Lock Agreements Help Your Bank

05/16/2019 - Greatest Risks For Banks

05/15/2019 - Millennials, Childcare And Your Bank

05/14/2019 - The Latest Developments On AI And AML

05/13/2019 - The Spotlight Is On Women-Owned Businesses

05/10/2019 - A New Savings App - Creative Competition

05/09/2019 - Cybersecurity Best Practices For Teleworkers

05/08/2019 - Guidelines For CECL Method Selection

05/07/2019 - Business Customers And Their Digital Needs

05/06/2019 - An ALM Program Refresher

05/03/2019 - Inquiry & Insight - To Outsource Or Not

05/02/2019 - More Than Traditional Checking Accounts

05/01/2019 - Updated CECL FAQs Provide More Information

04/30/2019 - Loan Pricing - Do You Have Consistency?

04/29/2019 - Highly Involved Community Banks Continue On

04/26/2019 - How Valuable Is Time To Your Employees?

04/25/2019 - Is Your Bank Purpose-Driven?

04/24/2019 - Hospitality Lending - Is It For Your Bank?

04/23/2019 - Developing A Hedging Strategy

04/22/2019 - Still More Highly Involved Community Banks

04/19/2019 - Helping International SMBs Thrive

04/18/2019 - Digital Marketing Tips From Community Bankers

04/17/2019 - Performance And Goals

04/16/2019 - The Rise of Biometric Payment Cards

04/15/2019 - More Highly Involved Community Banks

04/12/2019 - Employee Engagement Tips

04/11/2019 - Your Bank Customer's Mis-Taken Identity

04/10/2019 - The Bank Customer Experience And Fintechs

04/09/2019 - Tax Update For C-Corp And S-Corp

04/08/2019 - Highly Involved Community Banks

04/05/2019 - Performing A CECL Dry Run

04/04/2019 - Is Your Bank's Website ADA Compliant?

04/03/2019 - Technology Brands And Customer Expectations

04/02/2019 - Wellness Benefits And Your Bank

04/01/2019 - De Novo Banks - An Update

03/29/2019 - Is It A Good Year For M&A?

03/28/2019 - Time For HSAs

03/27/2019 - Would Teleworking Work For Your Bank?

03/26/2019 - Regulatory Relief For Community Banks?

03/25/2019 - Momentum For C&I Loans

03/22/2019 - Help Transition Business Owners To Retirement

03/21/2019 - Interest Rate Swaps - Can They Help?

03/20/2019 - Should Banks Provide Simulation Job Training?

03/19/2019 - The Merits OF Phishing Your Own Employees

03/18/2019 - Developing A CECL Communication Strategy

03/15/2019 - What Small Businesses Want And how To Aid Them

03/14/2019 - The Rising Popularity Of Reciprocal Deposits

03/13/2019 - Using AML To Fight Elder Financial Abuse

03/12/2019 - Attracting Encore Entrepreneurs

03/11/2019 - Is WARM Right For CECL?

03/08/2019 - Regulatory Exam Preparation And ALM

03/07/2019 - Job Fulfillment And Employee Retention

03/06/2019 - Customer Retention And Profitability

03/05/2019 - The Continuing Fight For Business Customers

03/04/2019 - P2P Options for Community Banks

03/01/2019 - How To Please The Digital-First Customer

02/28/2019 - LIBOR To SOFR - How To Make The Transition

02/27/2019 - Digital Nomads - How To Rein Them In

02/26/2019 - Alternative Data And The Rules

02/25/2019 - Is Your Bank Facing Employee Ghosting?

02/22/2019 - New Flood Insurance Act - How Are You Affected?

02/21/2019 - Facing The Deposits Challenge

02/20/2019 - Infotainment - Could It Bring In Business?

02/19/2019 - Recession Plan - Be Prepared

02/15/2019 - Onboarding Your Board Members

02/14/2019 - Augmented Reality To Bring Customers In

02/13/2019 - The Latest Cyber Threats For Bankers

02/12/2019 - Women And The Customer Experience

02/11/2019 - Banking The Hemp Market

02/08/2019 - Digital Customer Categories And Your Bank

02/07/2019 - Smartwatches For Staffers

02/06/2019 - Central Bank Digital Currency Hurdles

02/05/2019 - The 24-7 Personal Touch Way

02/04/2019 - Latest Financial Stability Report

02/01/2019 - Seeking Younger Board Members

01/31/2019 - More Regulatory Support For Innovation

01/30/2019 - Privileged Users And Cyber Risk

01/29/2019 - Taking Financial Literacy To The Next Level

01/28/2019 - Are "Best Practices" Really Best?

01/25/2019 - ATM Servicing - In House Or Vendor?

01/24/2019 - Customer Behavior And Digital Payments

01/23/2019 - The Fight For Millennial Deposits

01/22/2019 - Cardless ATM Fraud - What Your Bank Can Do

01/18/2019 - Community Banks Feel Effects Of The Shutdown

01/17/2019 - High Tech Collection

01/16/2019 - Early Adopter Banks Report On AI Learnings

01/15/2019 - Cybersecurity Is Everyone's Job

01/14/2019 - Subscription Banking - Worth Employing?

01/11/2019 - Is AgTech Watering Your Customers?

01/10/2019 - Searching To Satisfy Bank Customers

01/09/2019 - Balancing New Capital Rule Benefits

01/08/2019 - "Movie-ing" To CECL - Top 5 Things To Remember

01/07/2019 - Discovering Cyber Risks And Fighting Together

01/04/2019 - Changing Regulations And Peak Performance

01/03/2019 - Specifically Meeting Small Business Demand

01/02/2019 - The Goals Of The Community Bank Index

12/31/2018 - Top 2019 Threats And Challenges

12/24/2018 - Top 2018 BID Articles

12/21/2018 - Talented Community Banks Outperform In Lending

12/20/2018 - Thinking About And Preventing Botnet Activities

12/19/2018 - Digital Marketing And The Cyber Challenge

12/18/2018 - Empowering Women Is Good Business

12/17/2018 - Customer Loyalty And Regulatory Support

12/14/2018 - The Mobile Banking Project

12/13/2018 - A Strategic Update On M&A Deals

12/12/2018 - Active Fintech Assistance

12/11/2018 - Are You A Spectator Of E-Signatures?

12/10/2018 - 'Tis The Season For Planning

12/07/2018 - Despite The Push, No Postal Banks Yet

12/06/2018 - Exercising Cybersecurity

12/05/2018 - Divorced From Subordinated Debt?

12/04/2018 - Securing Workplace Safety

12/03/2018 - Aging And The Threat Of Vishing

11/30/2018 - Smiling Over More Women On Boards

11/29/2018 - How Data Breaches Have Aged And Evolved

11/28/2018 - Time For Happy Employees

11/27/2018 - Insuring A Strong Future

11/26/2018 - The Wild Popularity Of Biometrics

11/23/2018 - Are Your Customers Stuffed With Fintech Apps?

11/21/2018 - Cohabitating With Startups

11/20/2018 - Don't Export Viral Videos

11/19/2018 - RTP - Make Your Bank Heard Before It's Inked

11/16/2018 - Learning Tokenization

11/15/2018 - Authenticating The Two-Factor Text

11/14/2018 - Passwords And Customer Privacy

11/13/2018 - Keeping Ahead Of The Competition

11/09/2018 - Absorbing And Sharing BSA/AML Resources

11/08/2018 - All Things Digital...To A Point

11/07/2018 - Tariffs, Construction Loans And Materialism

11/06/2018 - Voicing Concerns Over A New Rising Fraud

11/05/2018 - Ambidextrous Community Banks Lending More

11/02/2018 - Traveling Through Same Day ACH Payments

11/01/2018 - Studying Up On CECL And Strategic Planning

10/31/2018 - Sweetening The 401(K) Benefit For Student Debt

10/30/2018 - Sniffing Out The Latest In SMB Payment Providers

10/29/2018 - Hot Small Businesses

10/26/2018 - "Lyfting" SMB Lending

10/25/2018 - Walking Through Web Forms For Success

10/24/2018 - A Whale Of A Salary Or Not?

10/23/2018 - Climbing Into The World Of Invisible Biometrics

10/22/2018 - Sporting Around With Microsites

10/19/2018 - The Impact Of SMB Digital Payment Usage

10/18/2018 - "Lettuce" Talk About Specialty AG Business

10/17/2018 - Whispering Global Digital Banking Learnings

10/16/2018 - The Precision Of A Data Security Sweet Spot

10/15/2018 - Rats And Loan Grading Systems

10/12/2018 - Bank Tech Budgets - How Do You Compare?

10/11/2018 - Fighting Export Finance Programs?

10/10/2018 - Don't Fry Your Brain On Cryptocurrencies

10/09/2018 - A Magnetic Regulatory Update On Blockchain

10/05/2018 - The Latest News On ATM Attacks

10/04/2018 - Ubiquitous BSA/AML

10/03/2018 - Capturing More Business Customers

10/02/2018 - A Refill on Disaster Reminders

10/01/2018 - Passwords That Won't Make You Ill

09/28/2018 - High Tech Yet High Touch Recruiting

09/27/2018 - How To Keep Your Core Healthy

09/26/2018 - Rolling Forward On Exceptions

09/25/2018 - Doggedly Engaging With Customers

09/24/2018 - Advancements In The Fintech Race

09/21/2018 - Don't Fall Asleep On Online Games

09/20/2018 - Don't Bite Your Nails Over New SMB Offerings

09/19/2018 - Long-Living Benefits Or Not?

09/18/2018 - Healthy Takeaways From FinCEN Awards

09/17/2018 - Recovering From Competitive Merchant Services

09/14/2018 - Swimmingly Successful Social Media For Bankers

09/13/2018 - Lighting The Way To Optimize Branch Hours

09/12/2018 - Keeping A Happy Face With AML Tips

09/11/2018 - Spraying A New Card Design

09/10/2018 - Vacationing From Self-Storage Lending?

09/07/2018 - The Impact Of California's New Privacy Law

09/06/2018 - Authenticating Companion Deposit Accounts

09/05/2018 - Eavesdropping On Biometrics

09/04/2018 - Selfie Stickers and Happy Millennials

08/31/2018 - Don't Let The Customer Experience Crumble

08/30/2018 - Slithering Cyberthreats

08/29/2018 - Digital Security, Youth And The Who

08/28/2018 - Ensuring Your Mobile App Gets A Thumbs Up

08/27/2018 - Bank Surveys And Technology Priorities

08/24/2018 - Are You Robbing Effective Time Management?

08/23/2018 - Jaw-Dropping High Marks With New Rule

08/22/2018 - Will Cannabis Businesses Be Flying High?

08/21/2018 - Surfing Through Fee-Free Options

08/20/2018 - No Way To Disconnect From CECL Readiness

08/17/2018 - Resolutions And Flat Yield Curve Opportunities

08/16/2018 - Studying Bill Pay Opportunities

08/15/2018 - New Farm Bill Stimulates Ag Lending

08/14/2018 - Treasury Insights For Community Bankers

08/13/2018 - Don't Be Afraid Of Growing Your Cheap Deposits

08/10/2018 - Wrestling With Cybersecurity Insurance

08/09/2018 - Exploring Wearable Payment Devices

08/08/2018 - The Cost of M&A

08/07/2018 - Training, Trust And Hedging

08/06/2018 - "Moo-ving" Through Customer Episodes

08/03/2018 - Addicted To Supporting SMB Global Growth

08/02/2018 - Racy IT Spending Mistakes

08/01/2018 - Craving Check Writing Customers?

07/31/2018 - Connecting With Reliable Data

07/30/2018 - Is There "A Home" For Internet-Only Branches?

07/27/2018 - Antibacterial Account Opening Takeaways

07/26/2018 - Smartphones And Construction Loan Efficiencies

07/25/2018 - Smartphones And Customer-Centric Pricing

07/24/2018 - Traveling Through Supermarket Branches

07/23/2018 - Time for Telecommuting?

07/20/2018 - What Matters Most In Open Banking

07/19/2018 - Don't Play Games With Your Lenders' Time

07/18/2018 - No Mistake In Mentoring Your Business Customers

07/17/2018 - Taking The Bite Out Of Chatbot Confusion

07/16/2018 - Paranoid About Chatbots?

07/13/2018 - Getting Them While They Are Young

07/12/2018 - Fishy CNP Fraud Rising

07/11/2018 - Flying Through Video Banking Demand

07/10/2018 - Reviewing Core Provider Conversion

07/09/2018 - Assessing The Pool Of Creditworthy Millennials

07/06/2018 - Using Your IQ To Fight Cybercriminals With AI

07/05/2018 - Traveling Through Biz Checking Account Success

07/03/2018 - Recent Internet Crime Report Is No Distraction

07/02/2018 - Bottled Hot Dog Water And Cloud Computing

06/29/2018 - Hole In One With Fintechs?

06/28/2018 - The Odds For Banks Looking For Investors

06/27/2018 - Cannabis Loses Power With SBA Lending

06/26/2018 - Fighting The Disease Of ID Fraud

06/25/2018 - Sleepless Over Onboarding?

06/22/2018 - Drinking In The Latest Regulatory Burden Report

06/21/2018 - A Healthy Update On Voice Activated P2P

06/20/2018 - Credit Monitoring Changes May Test Lenders

06/19/2018 - BSA Reporting Fights Crime

06/18/2018 - Healthy Real-Time Payment Update

06/15/2018 - Seeing Risk Clearly With Acquired Vendors

06/14/2018 - Detecting PCI Upgrades

06/13/2018 - Shopping For An FDIC Quarterly Report Update

06/12/2018 - The Hardworking Facts Of LIBOR

06/11/2018 - Will There Be Regulation Vacation?

06/08/2018 - Central Banks Testing Their Cryptocurrencies

06/07/2018 - Is P2P Giving You Gray Hair?

06/06/2018 - The Big Wave Of Mobile Location Data

06/05/2018 - Aging And Board Limits

06/04/2018 - Your Third-Party Risk Outlook

06/01/2018 - Energizing The Unbanked And Underbanked

05/31/2018 - Optimizing Employee Training

05/30/2018 - Small Business Growth With Canada

05/29/2018 - Determining Risky Beneficial Owners

05/25/2018 - Liquid Paper And Shareholder Liquidity

05/24/2018 - The Skinny On Cannabis, Real Estate And Criminals

05/23/2018 - Less Burdensome Exams

05/22/2018 - Melting Over GDPR

05/21/2018 - Digital Banking Customers - Swimmingly Happy?