BID^® Daily Newsletter Archives

August 2022

August 12, 2022 - Can Playing Games at Work Make You More Engaged?

Community financial institutions (CFIs) can increase the engagement of both customers and employees through gamification — rewarding people for completing educational training or tasks via “games.” The results can significantly boost the bottom line as well. We take a look at some examples of gamification strategies CFIs are using to attract and engage new customers and employees.

August 11, 2022 - Attracting Women Back to the Work World (Part 2 of 2)

Roughly half of working mothers will scale back their careers for family at some point, or will leave their jobs entirely. As organizations scramble to plug expertise gaps amidst a dearth of qualified candidates, many are turning to “returnships” as a way to coax mothers back into the workforce and to get them up to speed on technological advancements that occurred during their absence.

August 10, 2022 - Fed ISO 20022: Key Deadlines for 2022 & Beyond

The Federal Reserve has revealed the final timeline for its ISO 20022 standards, a new global messaging standard for financial transactions, which will now be implemented on a single day. As countries around the world embrace the protocol, cryptocurrencies are among some of the earliest adopters. We provide info on compliance deadlines and what steps your CFI may need to take to stay competitive.

August 09, 2022 - Small Business Sentiment on Borrowing

Small business owners are more pessimistic about the economy than they have been in nearly half a century, according to a new survey. But they remain somewhat optimistic about their own future. In this muddied outlook, CFIs need to move cautiously in how they work with small business borrowers.

August 08, 2022 - Career Relaunch Programs Can Be Beneficial (Part 1 of 2)

Workers who took extended time off to focus on caregiving or other concerns may now be looking to restart careers. These returning workers are very often women, and a relaunch program can help attract them to banks. This allows institutions to fill vacant positions, while also advancing gender equity in upper management in the financial industry.

August 05, 2022 - Hobbyists Are Pricing Out Some Farmers and Ranchers

The boom of hobby farmers is driving up rural real estate prices and driving traditional farms out of the market. With aesthetically attractive farms being the most in demand, here are the best ways to advise traditional farmers and ranchers so they can find viable, affordable land.

August 04, 2022 - Designing Branches in the Post-Pandemic Era

The pandemic may have driven more people to digital banking channels, but CFIs shouldn’t go overboard overhauling all of their branches to strip away essentials — particularly human staff. Branch design going forward should be a mix of styles, depending on customer makeup and geography, with a “hub and spoke” approach that is flexible to accommodate changing characteristics.

August 03, 2022 - Local School Partnerships Can Mean Future Customers & Employees

CFIs can help students gain financial literacy through partnerships with nearby school districts. They team up with high schools to develop classes in banking and personal finance and even operate in-house “banks” in schools, which increases awareness and loyalty with the next generation of accountholders and workers. We feature some noteworthy examples.

August 02, 2022 - Increasing Shareholder Value in Today’s Economic Environment

Banks should be benefiting from the interest rate increase, but bank stock prices aren’t following the trend. There are actually many other factors that impact bank stock prices that are keeping current share prices down. Here are the root causes of the current prices and what CFIs can do to turn the market in their favor as rates continue to rise.

August 01, 2022 - Successfully Expanding PPP Relationships

CFIs have been successful in expanding relationships with small business owners who came to the institution during the pandemic for a Paycheck Protection Program (PPP) loan. Indeed, some PPP borrowers even moved their entire banking relationship over to the CFI. We look at some of the ways CFIs have been able to deepen those relationships.

July 2022

07/29/2022 - Predictive Analytics Help Personalize Customer Relationships

According to a recent report from McKinsey & Co., 71% of customers expect companies to personalize their interactions. Community Financial Institutions (CFIs) have traditionally delivered personalized experiences through their customer interactions and building strong relationships. But now, it’s vital to aggregate, integrate, and analyze customer data in ways that let CFIs anticipate and predict future needs.

07/28/2022 - Inverted Yield Curve May Bring Hedging Opportunity

This past spring, the US bond market flashed a key recession warning with the yield curve briefly inverted and short-term debt paying more than longer-term loans. No one can know for sure when the next economic recession will begin, but CFIs may be able to take advantage of two potential opportunities that the inverted yield curve offers.

07/27/2022 - Automating the Back Office is Critical, Too

Don't just automate tasks to make your customers' lives easier — automate your institution’s back-office operations as well. Not only will you create more efficiencies, reduce errors and save costs, but you will also free up your employees for higher-level tasks. You can also better coordinate with the sophisticated automated solutions you’re offering to customers. We delve further and offer three tips to get you started.

07/26/2022 - Why Cloud Computing Adoption is Sky High

Eighty percent of financial institutions plan to move away from mainframes and embrace cloud computing within the next two to five years. From lower costs to greater capabilities, the switch to cloud computing is something CFIs can no longer ignore or leave on the back burner.

07/25/2022 - Should Your Institution be Prepared for Foreclosure Déjà vu?

As mortgage foreclosures begin to inch up and federal foreclosure moratoriums draw to a close, financial institutions should prepare themselves for a worst-case scenario. It’s unlikely that the bursting of the current real estate bubble will play out the way things did when the last couple of real estate bubbles burst. Should a worst-case scenario emerge, CFIs should be prepared to show regulators they took adequate precautions.

07/22/2022 - Lower-Pain Core Conversions

CFIs' relationships with their core providers tend to last for decades, if only because a change is such a hassle. If you do need to make a core conversion, however, here’s how to do it with the least possible pain.

07/21/2022 - Build an Effective Board by Following Best Practices

Boards of directors have essential monitoring and advisory responsibilities that affect their organizations’ performance. In an ideal world, a corporate board would have a strong culture and contribute to the success of the organization. A recent survey of smaller banks found that less than half of their boards met that standard.

07/20/2022 - Key Credit Risk Challenges for the Year Ahead (Part 2 of 2)

In this second part of our summary of the FDIC 2022 Risk Review, we take a closer look at the FDIC’s findings on potential credit risks for the banking industry and community financial institutions. While credit conditions for banks have improved in 2021, we examine the increased credit risk in certain sectors and markets linked to pandemic-related challenges, rising inflation and the war in Ukraine.

07/19/2022 - What the Lingering Chip Shortage Means for CFIs

The global microchip shortage is now anticipated to continue longer than expected, possibly throughout 2024. This translates into community financial institutions feeling the impact of this shortage in bank card and credit cards.

07/18/2022 - Identifying Customer Attrition

CFIs can’t rely on inertia to keep their customers. It can cost around $300 to acquire a single customer. By paying attention to the reasons that clients switch providers, you can help ensure that attrition doesn’t erode your customer base. We explore the key reasons that customers leave their banking institutions.

07/15/2022 - Combatting Burnout Among Female Employees

Despite hybrid work arrangements, 53% of women are burned out and considering leaving their jobs within the next two years. Retaining female employees within your organization may mean revisiting how your organization approaches hybrid work.

07/14/2022 - Partnering with Neobanks — Yes or No?

CFIs can grow loans, deposits and non-interest income through partnerships with neobanks. It's a potentially smart partnership, but one that CFIs should consider carefully before cementing. We give you some ideas to consider before deciding to partner with a neobank and how to increase the chances that this new relationship will thrive.

07/13/2022 - Emerging Risks for the Banking Industry (Part 1 of 2)

The FDIC recently published its 2022 Risk Review. We summarize some of the report highlights relating to market, operational, and climate-related risks emerging within the banking industry, and discuss their potential impact on community financial institutions.

07/12/2022 - Serious Hack-Attack-You Have 36 Hours to Report It

CFIs and other banks now have 36 hours to report serious hacks, including those that may disrupt operations, cause material losses or even threaten the stability of the entire financial system. Is 36 hours enough time for CFIs?

07/11/2022 - Capturing Client Attention in the Blink of an Eye

Consumers have very short attention spans. According to one consultant, a marketing pitch has a dauntingly short window in which to connect to an audience – literally, the blink of an eye. CFIs that have a good “blink factor” stand a better chance of capturing interest. We offer you a quick cheat sheet.

07/08/2022 - Focus on the All-Important “Why” in Staff Training

When training staff on an institution’s procedures, it’s critical to go beyond the what, when and how – to really get employee buy-in. Community financial institutions must also explain the “why.” We delve further.

07/07/2022 - The Big Picture on Synthetic Image Fraud

Synthetic images have become so sophisticated that people and facial recognition systems are no longer able to tell the difference between AI-generated faces and real ones.

07/06/2022 - Is CHUCK the P2P Answer for Community Financial Institutions?

Zelle’s dominance and cost spurred the development of an alternate payment system designed for CFIs, called CHUCK. The question is, will its open architecture be enough to woo users and secure a place in the competitive P2P payment realm? We take a look at what CHUCK is and its place in the P2P world.

07/05/2022 - Talking Your Way to Profits

High-quality conversations between employees and customers can be very beneficial for the bottom lines of community financial institutions. According to Gallup, effective conversations initiated by employees are four times more likely to result in sales. We provide three tips to achieve better customer engagement.

07/01/2022 - Boost Earnings with New Lines of Business

In the current low-rate environment, almost one in five community financial institutions plan to add new lines of business to boost earnings, alongside leveraging their existing business. Here we look at six potential revenue streams that CFIs may want to explore.

June 2022

06/30/2022 - Commercial Loan Demand Picking Up Steam

Demand for commercial lending is heating up. CFIs have an opportunity to expand into new markets, add talented lenders, launch new niches, and team up for bigger deals – all while maintaining stellar credit quality. We delve into the details.

06/29/2022 - How Paid Social Media Can Pay Off

With social media platforms constantly altering their algorithms, CFIs can find true value moving beyond free content on social media channels. To boost your brand recognition, consider developing a budget for social media advertising. We will share a few things to consider to help navigate and execute more effective social media that reaches your target groups.

06/28/2022 - Should Your Bank Invest in Fintech-focused Private Equity?

Partnerships between CFIs and fintechs are an increasingly important part of any CFI’s business model. However popular, it’s not a given that fintech-directed private equity is a good fit for every CFI. We provide you with some things to consider before you decide to invest.

06/27/2022 - Adapting Loyalty Programs in a Shifting Customer Landscape

The $200B loyalty program market has long been shown to drive business for merchants and financial institutions. However, around $16B in loyalty points are unredeemed each year, suggesting this approach to retaining customers may need change. We suggest seven ways in which CFIs can adapt their loyalty programs to retain retail customers — as well as help boost merchant customer business.

06/24/2022 - How to Manage Understaffed Teams Effectively

As organizations continue to grapple with soaring job resignations and insufficient staffing, doing more with less has become the norm. Managing understaffed teams more effectively is important not only for enhancing productivity, but for keeping key employees from jumping ship.

06/23/2022 - Four Strategies to Attract Small Business Customers

There are 32.5MM small businesses in the US, generating 44% of economic activity — an attractive opportunity for financial service providers of all sizes. CFIs have a strong connection with small business customers and could leverage their understanding of the customers’ unique needs in order to create compelling propositions for them. We give you four strategies to help get you off to a good start.

06/22/2022 - Frictionless Authentication is the Key to Personalization

It’s a common problem. Customers want personalized service, but are reluctant to share their personal data to power that. A smooth authentication process, as the first point of contact between a CFI and a customer, can help build the trust that customers need to forge a new or ongoing banking relationship, and offer CFIs access to their information.

06/21/2022 - Potential Clouds on the Horizon for Office Loans

The outlook for office loans is less than rosy. The US is set to have a glut of office space for a number of reasons, not the least of which is increased utilization of remote workers. For CFIs starting to experience stress in their office loan portfolio, we share several ways to mitigate potential problems.

06/17/2022 - What It Takes to Be a Top-Performing CFI

Key ingredients make a top-performing CFI. We share a number of them, from finding lucrative lending niches and additional sources of income, to maintaining a lean outfit and nurturing your most valuable asset: your talent.

06/16/2022 - Looking to the Past for Lessons on Weathering a Recession

Economists predict that a recession is on the horizon. Given the difficulties that many CFIs experienced during the last recession, now is the perfect time to look at some of the tactics used by those that prevailed in the last recession.

06/15/2022 - Documenting Conversations Over Multiple Communication Platforms

In addition to email and telephone, businesses began using video conferencing and instant messaging at high volumes, as a result of the pandemic. Fast-forward to today and financial institutions are faced with the problem of adequately documenting employee communications across all of these channels. To begin addressing the problem, it’s important to understand the challenges that these platforms present and how to solve it.

06/14/2022 - Outsourcing Talent in an Instacart World

In the wake of the ongoing talent shortage across the country, outsourcing has become increasingly popular as companies struggle to find qualified candidates. In 2020 alone, nearly 70% of businesses turned to outsourcing. Though outsourcing may not be for everyone, the changing nature of work has made it a more appealing option that CFIs may want to consider — we go into detail.

06/13/2022 - Strengthening Small Business Customer Relationships

CFI’s are exceptional at attracting new business. But according to a recent J.D. Power study, there is still room to improve in maintaining those customer relationships after they’ve been onboarded. We provide 3 tips for your institution to consider to help foster those relationships from the beginning.

06/10/2022 - Accident Ahead – Insufficient Security Leads to IVR Fraud

Many financial institutions rely on interactive voice response to provide customers secure access to information about their accounts. While extremely efficient for customer service, insufficient security measures can also make them a gateway for fraud. We highlight several areas that bankers should be aware of regarding IVR fraud.

06/09/2022 - The Emerging Crypto Lending Landscape

As adoption of cryptocurrencies grows, cryptofinance and crypto lending are extending their reach and proving alluring to some borrowers and lenders alike. We give you an overview of this developing trend — certainly one for community financial institutions to watch.

06/08/2022 - Creating a Green Niche to Bank On

When CFIs create “green niches” that support fast-growing companies with environmental-friendly business models, it can prove to be quite profitable. Then add the bonus of delighting investors and satisfying regulators, well then, the trifecta can bring great dividends indeed. We share several ways that your institution can create a green niche through real industry examples.

06/07/2022 - Grow Your Customer Base Through Community-Focused Initiatives

CFIs are well-positioned to understand what is important to the communities they serve. By focusing on initiatives that are important to those communities, CFIs build strong relationships, grow loyal customer bases, and amplify the voices of those they serve. We provide three examples of how CFIs can do just that.

06/06/2022 - Six Strategies to Bolster Your Cybersecurity

According to the 2021 CSBS National Survey of Community Banks, cybersecurity risks remain the leading operational concern for community financial institutions. Here we look at six strategies institutions could deploy to contain the threat, protect their data and retain their customers’ trust.

06/03/2022 - Digital Dead Ends Highlight the Importance of Live Agents

CFIs that heed the call to expand digital offerings may overlook the extra pressure digital places on backup live agents. According to one study, more than half of self-service digital encounters by bank customers end in failure and wind up with a live agent.

06/02/2022 - Can Rural Banking Deserts Become Banking Opportunities For CFIs?

Mergers and branch consolidation have accelerated in recent years, leaving an increasing number of rural communities without access to bank branches. Could CFI’s turn these banking deserts into banking opportunities?

06/01/2022 - Seven Steps To Combat Meeting Fatigue

Staying connected in a hybrid work world can mean more meetings. Yet, too many meetings can burn employees out. Now is the time to evaluate how effective your meetings are and how many are needed. Here are seven steps for more effective and inclusive meetings.

May 2022

05/31/2022 - Interest Rate Swaps Help Retain Customers

Some community financial institutions may not know the benefits of interest rate swaps. Not only do they help you manage interest rate risk, but they also help you retain customers. Your customers want fixed rates, especially as rates rise. You can help them with interest rate swaps — and you gain noninterest income too. We explain how.

05/27/2022 - How Can Virtual Mentorships Help Retain Employees?

Mentorships have been around for thousands of years. But, with remote or hybrid work schedules, virtual mentorships take a little more thought and planning. Nonetheless, community financial institutions looking to keep employee turnover rates low will want to consider jump-starting these programs. We explore this topic further.

05/26/2022 - Five Strategies To Engage the Unbanked & Underbanked

According to the FDIC, there are approximately 7MM US households that remain unbanked and over 50MM that are underbanked. These groups have received more attention from regulators lately. While we know you are reaching out to them in your communities, we give you five strategies to help engage these potential customers.

05/25/2022 - Risk Mitigation Reminders for Construction Loans

Is construction ebbing or flowing? It depends. Commercial construction spending was down in March. Yet, architecture backlogs are full. Community financial institutions having construction loans in their portfolios will need to firm up risk mitigation, as they closely watch economic indicators. Here are three reminders to lower the risk with these loans in your portfolio.

05/24/2022 - Four Ways To Evolve Your Branch

Bankers know that the role of the branch and its staff has shifted and continues to evolve. With many customers accustomed to digital banking, technology is ever-more important. Yet, one in five bank customers still wants easy access to a human staff member. How can your branch support your customers’ expanding needs?

05/23/2022 - How Will Continuing Geopolitical Events Affect Ag Customers?

Many farmers have been reaping the benefits of rising commodity prices, some higher than 140% over the past 18 months. Yet, the Russian invasion of Ukraine changed the direction of the wind for many farmers. How will your agricultural customers fare through the geopolitical turmoil?

05/20/2022 - Three Ways To Generate Income

With increasing interest rates, community financial institutions stand to enlarge their net interest margin. Yet, lending competition is fierce in many areas, so it won’t always be easy. We give you three ways to generate income in the current rate environment.

05/19/2022 - Reminders to Strengthen AML and OFAC Practices

Anti-money laundering practices have been under more scrutiny as the pandemic ushered in more digital payments and cryptocurrency activity. Now, with the invasion of Ukraine, anti-money laundering measures and OFAC compliance tops regulators’ lists. Here are important risks to look out for and reminders on how to continue strengthening your practices to mitigate these risks.

05/18/2022 - The Future Power of Blockchain

Blockchain technology promises many benefits to financial institutions, as they adapt to meet changing customer and stakeholder expectations, as well as regulatory requirements. Some experts argue that, while there are still many logistical challenges to overcome, blockchain has the potential to completely revolutionize the future of finance. We look at four applications of this technology that may be advantageous to community financial institutions in the future.

05/17/2022 - Cybersecurity is High – How to Keep Fighting

Cybersecurity is a top priority these days. Cybercriminals are crafty and can find their way in. Last year, all forms of cybercrime showed an increase, resulting in $6.9B of losses. Today, we cover five forms of cybercrime that particularly stand out.

05/16/2022 - How to Please Dissatisfied Zillennial Employees

Zillennials are a micro-generation between Gen Z and millennials that have grown by five million employees in the past 5Ys, according to the US Bureau of Labor. They have also grown highly dissatisfied with their jobs. We provide highlights from a new study and guide you on how to appeal to this micro-generation.

05/13/2022 - Will Changing M&A Regulations Affect Your Strategy?

With July’s executive order to review and likely modify M&A regulations, the Federal Reserve, FDIC, and OCC are beginning to review the current process for bank mergers. While this is still in its early stages, we evaluate how this development could affect the M&A strategies of community financial institutions.

05/12/2022 - Attracting New Customers With ESG

Financial institutions are increasingly under pressure from stakeholders to demonstrate their commitment to addressing environmental, social, and governance (ESG) issues. We look at four ways in which ESG initiatives could result in benefits for community financial institutions, such as attracting new customers, as well as contributing to a more sustainable future for their communities and beyond.

05/11/2022 - Be Prepared for Rising Rates

Bankers have long been waiting for interest rates to increase so that net interest margins would rise. Yet, there are other factors in play today, such as high inflation, labor shortages, and credit risk. We review the current rising rate landscape and provide approaches to manage through it successfully.

05/10/2022 - How Can Mobile Ads Help You Find New Customers?

Community financial institutions may not consider mobile ads when defining their advertising strategy. However, with the average American using their smartphones over four hours a day, you could have a captive audience for mobile advertising. We explore mobile ad spending, the types of mobile ads, and what kind of content to use.

05/09/2022 - Virtual Payment Cards Are Picking Up Steam

Virtual payment cards have been around for a while. But, their use is increasing. Global virtual card spending is expected to reach $355B in 2022. Businesses are finding several uses and benefits in using virtual payment cards. Community financial institutions will want to take note, so that they can be prepared to best support them.

05/06/2022 - How To Enter The Hot Mobile Home Lending Sector

Community financial institutions are looking for lending opportunities. Yet, they may not naturally think about mobile home lending as a means to grow their loan portfolio. But, this sector had a stellar performance last year. In 2021 alone, more than $3B in mobile home loans were issued, which is higher than anything experienced in this market in the past 5Ys. We explore this hot lending segment further.

05/05/2022 - How To Instill The “I” In DEI In Your Institution

Diversity, equity, and inclusion are priorities for community financial institutions. Attracting and retaining diverse talent is essential to long-term success, but fostering a culture of inclusion can be difficult and requires ongoing effort. We give you some tips on how to create an inclusive workplace to maximize employee engagement and retention.

05/04/2022 - What Does The Metaverse Mean For CFIs?

There is lots of hype around the metaverse at the moment, with various observers forecasting an $8T opportunity. While this is an evolving space and much is still unknown, we look at various potential opportunities for the financial services industry.

05/03/2022 - Hotels Are On The Upswing – But For How Long?

Hotels have seen their ups and downs in the past couple of years. Now, as consumers are flush with savings and ready to venture out again, hotels are seeing a welcomed burst of activity. This is good news for bankers supporting these businesses. Trepp’s CMBS delinquency rate for hotels sank to 6.87% in March, a decrease of 95 basis points MoM. But the real question is — will this high level of activity continue?

05/02/2022 - Managing Online Reviews Can Strengthen Customer Relationships

Online reviews are gaining importance. In fact, 79% of people trust the online reviews of strangers, as much as they do recommendations from family and friends. Community financial institutions need to actively monitor and manage their online reviews, in order to continue developing and deepening customer relationships. So, we explore how to get online reviews and manage this process.

April 2022

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

While the yield curve is flat to inverted, community financial institutions are looking for fee income. Hedging loans for your customers provides you with upfront fee income, immediately recognized as earnings. Is this a good time to consider hedging for your institution and gain extra income? While some may feel hedging could be cumbersome, it can be easier than you think. Join us as we explore how it works.

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

Financial literacy is crucial for banking customers’ financial well-being and it is an ongoing issue that community bankers are tackling head-on. Most recently, community bankers, together with state businesses and political leaders, spearheaded successful financial literacy legislation in Nebraska. We review how they did it along with the current situation in other areas to inspire other community bankers.

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

Return on Experience (ROX) is a fairly new metric for financial institutions. Yet, one survey has found it to be a powerful metric. The study found that financial institutions that grew 10% or more had stronger ROX programs than those that didn’t. We explore this new performance metric.

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

A full economic recovery in the various CRE sectors is crucial both for community financial institutions and their customers. The overall CRE market seems to be making a recovery after the pandemic's impact, especially the industrial sector. We highlight this sector and explore whether it will stay strong through the end of 2022.

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

During Community Banking Month, we have shared many stories of community outreach by our BID readers. From disaster recovery to financial literacy to grants and donations, community bankers make a big impact every day. With today’s last issue, we showcase their efforts in fighting homelessness and helping children.

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

Community financial institutions are looking for opportunities to increase income, mitigate risk, and retain customers in this current flat to inverted yield curve environment. Look no further. Hedging can provide your institution with these opportunities. We explain how.

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

Hybrid working has fast become a reality, with nearly six out of 10 Americans who are able to work remotely already doing so. With the immediate technological and operational challenges largely met, community financial institutions now need to consider how to adapt recruitment, career development, and employee training to support hybrid working demands, while preserving solid company culture.

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

The decline of checks has been happening for years. But, with the explosion of digital payments during the pandemic, will checking accounts cease to exist? We explore this topic further and provide community financial institutions with four approaches to keep checking accounts relevant for their customers.

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

The switch from 6-digit to 8-digit BINs has been in the works since 2015. But now, the first deadline is here. Community financial institutions need to check on their accounting systems to determine if they are sufficiently prepared. Here are a few items to assess the impact on your institution and communicate with customers, especially business customers.

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

Community financial institutions affect their communities in many ways, one of which is donations. They donate their time and funds to help with programs, recognize important contributions within the community, and sustain businesses.

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

Compliance-related costs account for about 7% of noninterest costs, according to the Federal Reserve Bank of St. Louis. It is critical to stay compliant, but community financial institutions are also looking for ways to reduce costs. Are embedded compliance controls a way to do both?

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

Minority-owned businesses play an increasingly important role in the US economy, generating $1.7T in revenue and providing more than 8.9MM jobs. Yet many are still finding it tough to access finance to grow and expand. Recently, the government increased its efforts to improve the situation. Here are five efforts that community financial institutions can do to help address this challenge.

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

Faced with shifting customer expectations, new business models, and increased competition, community financial institutions are turning to technology to remain competitive. We round up five of the key trends that continue to reshape the industry and explain how your institution can use them to stay competitive.

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

With the workplace upsets of the pandemic and the Great Resignation, it is important to keep your finger on the pulse of your workforce. An employee exit can disrupt more than just work responsibilities. So, we explore four areas to address when an employee leaves, in order to mitigate the spread of discontent and retain remaining employees.

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

Community bankers help their communities every day in many ways. In article two in the Community Banking Month series, we continue to highlight some of the ways that community financial institutions are making an impact by supporting financial literacy and other educational endeavors.

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

Around $90B was withdrawn from over 200K independent ATMs across the country in 2020. As financial institutions continue to merge, close branches, and remove ATMs, these independent ATMs, found in convenience stores among others, are a lifeline to many consumers where banks have closed branches. They are also a revenue generator for many small businesses. Is this an opportunity for community financial institutions?

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

The Small Business Administration provided $85MM in microloans to 5,890 people in 2020. Many community financial institutions assisted in that business as intermediaries. These loans help startups and smaller businesses that might not be eligible for traditional loans. Are they worthwhile for your institution? We explore this lending sector.

04/06/2022 - Benefits Of Rehiring Boomerang Employees

Have you heard of boomerang employees? After the Great Resignation, the latest trend is boomerang employees — returning employees. LinkedIn reported that 4.5% of all new hires in 2021 were boomerang employees. Let’s explore this new source of employees and how it might benefit your institution.

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

Cybersecurity is a constant concern. Yet, with the latest Russian cyber threats, it is becoming even more important. Your small business customers could be affected, directly and indirectly. So, we dig deeper to provide you with the current top threats and critical protective measures.

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

It is no surprise that community bankers are making a tremendous impact in their communities. So, today, we proudly highlight some of the efforts made during this month of Community Banking Month. We share stories of disaster aid, acts of kindness, and food drives from various institutions.

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

As farmers enter planting season, they are faced with surging fertilizer prices. Prices are expected to increase 80% YoY, which affects 15% of their total costs. We dig deeper into what this means for farmers with different crops and how they can weather this type of hefty increase, so that you know how to best support them.

March 2022

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

In the post-pandemic world, community financial institutions are facing shifting customer expectations and hybrid working models. We explore the key traits that make leaders successful in this changing environment and give you some tips on how to find and nurture these leaders in your institution.

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

In October 2021, 74% of Americans said that stress was affecting them. Even now, there are still many people that are stressed and burned out. This has resulted in employee disengagement and lower productivity. Our Chief Sales & Marketing Officer, Sonia Portwood, discussed this issue with Dr. Susan Bernstein in our podcast, Mind, Body & Banking. Here are some highlights.

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

The deadline for CECL has not been extended and January 1, 2023, is coming up fast. Are you ready? One specific area of focus for many bankers is using Q Factors consistently. While Q Factors aren’t new, their expected application in CECL is more involved. Here are four Q Factor best practices to prepare you.

03/28/2022 - Lending Opportunities Rise In 2022

Consumer spending was up 2.1% in January, which has prompted several businesses to increase their inventory and turn to their community financial institutions for loans. What exactly is driving this need for more funds right now and how can bankers capitalize on them?

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

Did you know that 15MM Americans experience identity theft annually? In an effort to help stem this tide, several organizations are using selfie authentication, which uses biometrics to validate a person’s identity along with other information. We outline the growth of this practice, along with consumer pushback, data privacy laws, and more.

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

Many financial institutions are managing staffing shortages, due to the Great Resignation and COVID. In July, 44% of contact centers said staffing issues were an obstacle to good customer service. We explore how artificial intelligence can support your customers and relieve some pressure on your frontline staff, during these shortages.

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

LIBOR was retired for new contracts at the end of last year. But, many community financial institutions have not started using SOFR, the recommended guidance of the Alternative Reference Rates Committee. Are you one of those institutions? Let’s explore why some institutions are hesitant to transition to SOFR and examine another replacement index option.

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

The board of directors plays a crucial role in steering community financial institutions and helping them shape their local economies. To ensure continuous improvement, institutions should measure their board’s effectiveness regularly. We give you some tips on how to review your board’s composition, structure, and performance, and identify opportunities for improvement.

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

A record net 2,927 US bank branches closed in 2021. Is this all bad news? We give you the important facts on branch closures and look at the impact on community financial institutions. We also share some stories of how your peers have been dealing with this trend.

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

With 58% of C-suite and senior business leaders reporting that cyberattacks increased by 10% or more in 2021 vs. 2020, cybersecurity is increasingly vital. We review the top cybersecurity concerns from the 2021 CSBS National Survey of Community Banks and share an important tool to use in protecting your institution against surging cyber risks.

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

The use of QR codes has skyrocketed since the pandemic. This year, one billion smartphones are expected to access QR codes globally, according to Juniper Research. This increased use has gotten the attention of cybercriminals. Here are four ways you and your customers can protect yourselves.

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

Vertically-oriented payment cards have been around since 2018. Yet, they have seen a burst of issuance since last year. Will more financial institutions use payment cards with a vertical layout? We explore which institutions are issuing them, why, and the benefits to your customers, especially those with disabilities.

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

Ninety-five percent of text messages are read within three minutes. With consumers’ reliance on texting, it is no wonder that the latest payment option, text-to-pay, is gaining momentum. It gives users the ability to pay through a link on a text easily and quickly. Let’s see why your small business customers may start finding it attractive.

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

With interest rates set to rise in the coming months, some banking customers may be tempted to shop around for the best deals. Effective customer profitability analysis allows community financial institutions to better retain and target new customers, while increasing overall customer profitability. We share some lessons from institutions that have successfully implemented these models along with three ways to increase customer profitability.

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

Radio frequency identification (RFID) is used in retail and manufacturing, but the applications are now reaching the financial industry too. No wonder, Statista puts the RFID technology market at $26.3B in revenue for this year. We explain what RFID technology is, what it can do for community financial institutions, and also report the disadvantages.

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

Discussion over the rules governing faster payments is still ongoing at a federal level. Meanwhile, customer adoption of existing real-time payment solutions continues to increase, with many new products on the horizon. Community financial institutions have a lot to think about before providing faster payment capabilities. Here are three steps to get you ready.

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

Cryptocurrencies have been around since 2009 and their popularity is growing. Not only are fintechs and neobanks providing these services to their customers, but so are community financial institutions. In a recent study, nearly 30% of community banks said they were very likely or extremely likely to add crypt services this year. Still, risks remain and regulatory guidance is evolving.

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

Some community financial institutions may not think that cross-border remittances are in demand in their communities. Yet, in its November report, the World Bank projected growth of 7.3% of remittance payment volume in 2021. Could some of this spill over into your footprint? Here are three ways to successfully provide remittance services.

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

It is not surprising that mobile fraud is surging, as the US has over 294MM smartphone users. Community financial institutions need to stay aware, meticulously authenticate customers’ identities, and communicate the latest scams to their customers to stay out of harm’s way. Here are three of the latest mobile phone scams and how to stay out of trouble.

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

Customer loyalty is considered the key to customer retention. An important part of that loyalty is customer effort. Do your customers have to work hard to access your products and services? Unhappy customers cost companies $75B globally, so it is important to minimize your customers’ efforts. We show you five areas to be especially watchful.

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

Overdraft fees provided almost $33B in income for financial institutions in 2021. This was especially important in a low-interest rate environment. Yet, consumers are pushing back on these fees and neobanks have responded by providing accounts without these fees. Should community financial institutions eliminate these fees to stay competitive?

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

TikTok is one of the most popular social media platforms and community financial institutions should strongly consider using it for marketing. With 689MM users worldwide, opportunities abound to reach new customers and expand brand awareness. We offer more reasons to consider this platform, along with TikTok’s content creation guidelines.

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

Looking for international business customers? You don’t need to look far. Many reside in your communities, but in places that you may not consider. According to JPMorgan Chase, 14% of SMBs plan on expanding beyond US borders in the next 3Ys. We uncover three places to find SMBs needing international services.

February 2022

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

Deepfakes have been around for a while, but they are now increasing dramatically with costly effects. Deepfakes are fabricated pictures, videos, or audio using advanced technologies to replace a person in an image or alter a person’s voice. Let’s explore the latest insights from industry experts, how much damage deepfakes are causing, and how to protect your institution from three related scams.

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

As small and midsize businesses are optimistic, 90% anticipate their business will expand successfully. Many of these businesses will need funding to fuel this expansion, especially with increasing costs. Here are three ways to tap into business optimism and growth.

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

Outgoing FDIC Madam Chairman Jelena McWilliams recently discussed several milestones from her time at the FDIC on a webcast with the Bipartisan Policy Center. A few of her reflections were related to redefining loan modifications during the pandemic and establishing FDITECH. Let’s explore this progress and several other areas too.

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

After initially suffering a severe setback as a result of the pandemic, some areas of the commercial real estate (CRE) market are recovering more strongly than others. Notably, offices, multi-family, and certain niche sectors are looking optimistic. The outlook for subsectors like hotels and retail remains less certain.

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

Despite an unprecedented need to help victims of natural disasters and wars around the world, humanitarian aid nonprofits and other organizations — along with their financial institutions — often face challenges transferring funds for aid to certain countries. This is primarily due to the risk of money laundering or terrorist financing. We review the government’s findings on how to improve this situation and what this could mean for community financial institutions.

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

All community financial institutions support their communities. But, wouldn’t it be nice to multiply those efforts? To do this, you don’t need to work harder. You can leverage the work you are already doing. Here are four ways you can facilitate greater outcomes for those nonprofits you support.

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

Summary: Central bank digital currencies (CBDCs) have been in the news for a while now. Yet, as some countries advance more dramatically on this front, misconceptions have sprung up regarding the progress, impact, and representation of a US digital dollar. We address some of these misconceptions and provide three steps to prepare for a US CBDC.

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

Gen Z is the fastest growing market segment and will make up almost one-third of the workforce by 2030. These young consumers are tech-savvy, value-driven, and financially cautious. Here are four strategies for community financial institutions to engage Gen Zers early on in their financial journey.

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

With big threats of ransomware, financial institutions rely on their back-up systems to avoid paying a ransom and indemnify them, if their systems are not unlocked by the thieves. This has prompted cybercriminals to go straight to the source and target stored data. With 69% of financial institutions stating that an attack on their stored data would have a catastrophic effect on their business, data protection is critical. Here are three ways to do it effectively.

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

The number of SARs filed by depository institutions regarding elder financial exploitation rose 67% between 2017 and 2020. As community financial institutions strive to stem senior financial abuse, this issue will only continue as the population is aging. We explain other factors in play and provide three defenses to combat elder financial abuse.

02/11/2022 - Planning For Succession Success

Succession planning has been a part of community financial institutions’ strategic and contingency planning for some time. Yet, 67% of bank CEOs are baby boomers between 56 and 75, so retirements may be coming sooner than expected. Still, 37% of banks have reported they have no clear CEO replacement. We give you five tips to help with your succession planning.

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

According to a report from the US House Committee on Financial Services, big bank boards are still roughly 80% white and 70% male. While the banking industry is working on board diversity, it takes time to diversify boards, even if there is increasing regulatory scrutiny. Here are four strategies to help boost your board’s diversity.

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

Gen X and millennials will receive $68.4T in transferred wealth over the next 25 years. Making sure that you have nurtured household relationships to retain these critical customers could provide community financial institutions with a long-term profitable customer base. Wealth management services offer a unique opportunity to target these age groups. Here are five strategies to help.

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

Last year, the FBI reported it had pursued 2x the number of people involved in money mule activities vs. those in 2020. While they were able to recover $3.7MM in fraud funds, money mules are still actively recruited, wittingly and unwittingly. Here are three critical tips to protect your institution.

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

While most big and mid-sized banks have already implemented the new CECL standard, many community financial institutions are waiting until their deadline of January 1, 2023. Yet, there is a lot to do this year to ensure you are compliant, including running CECL in parallel. Here are three guiding principles that we recommend to keep you on track as you perform your parallel runs.

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

Website ADA compliance is not new. However, with new technologies to accommodate those with disabilities, community financial institutions need to keep up to speed. In 2021, the number of accessibility-related lawsuits involving websites, apps, or videos increased 15% YoY. Here are three strategies to ensure your website is accessible for everyone.

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

Community financial institutions are turning to artificial intelligence to help manage risks, improve customer service, and save costs. If you are wondering how they do it, we share a few success stories, while tackling the main issue of algorithmic bias and providing three strategies to help mitigate bias.

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

Recently, the OCC released its annual report on the federal banking system’s condition. Although the average capital levels were good and the federal banking system’s liquidity ratio was more than 3x the historical average, certain risks in the industry have increased. We give you some of the report highlights, including three important areas of focus for increased risk.

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

With the explosion of gig workers, the needs of some small businesses have changed. Many self-employed business owners are looking for time-efficient, digital financial services so that they can focus on growing their businesses. Here are five important areas to address in successfully appealing to these businesses.

January 2022

01/31/2022 - USPS Banking Services Have Resurfaced

Around 55Ys ago, the USPS ended its postal banking services. Yet, a new USPS check-cashing pilot program seems to be indicating a possible resurgence. The stimulus checks from the pandemic shined a light on the issues for the unbanked in accessing these funds. Now, with some bipartisan momentum, USPS could become a competitor to many community financial institutions. We unpack the details and give some insights.

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

Universal bankers, who can handle a myriad of customer needs, are not new. According to Zippia, there are over 121K universal bankers in the US. If you don’t have any universal bankers, you may want to revisit this particular role. As many transactions are handled online, traditional teller roles are evolving to meet customer needs more effectively and efficiently, boosting an institution’s ROI. Here are five steps to get there.

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

With gaming revenue reaching over $180B worldwide, some companies are tapping into the virtual worlds of online gaming to market their brands and engage with new customers. While this marketing channel is still in its early stages, some creative and forward-looking community financial institutions may do the research and take the leap. We share an update on metaverse marketing.

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

Community financial institutions have been hesitant to use cloud services due to regulatory and security concerns. However, there may be changes on the horizon. More than nine out of ten financial institutions recently stated that they are either using cloud services or plan on doing so within the year. We give you the latest developments on cloud services within the financial industry.

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

Community financial institutions have seen low interest rates for a long period of time. This caused net interest margins to be squeezed tightly, yet it allowed bankers to reduce their dependence on wholesale funding. Now, when interest rates are expected to rise, it is crucial to have strategies to balance increasing net interest income with rising funding costs.

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

Are you protected against drive-by skimming and supply chain website attacks? These can be hard to detect even with the usual cybersecurity measures such as firewalls, penetration tests, and security assessments. We explain how these attacks happen and what community financial institutions can do to mitigate the risk of these occurring to them.

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

CECL is coming and yet myths abound on what that actually means. This can be confusing for many financial institutions, causing some to delay adoption unnecessarily. With most community financial institutions having to adhere to CECL, we bust 4 common myths, based on our discussions with early adopters.

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

According to a Federal Reserve survey, 90% of businesses said they expect faster payments within three years. Many businesses see this as a way to automate operations and satisfy their customers. Community financial institutions should be preparing for faster payments now as competition is intense. Here are four recommendations to prepare for faster payments.

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

Over 50% of full-time workers are stressed at least 60% of the time during the workweek. Compliance is one area that bankers find especially stressful as it is very important and yet very complex, especially with changing regulatory guidance. To mitigate the stress of your compliance employees, here are two important steps to take.

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

Community financial institutions know their customers well. Yet, this is no time for complacency as competitors abound. Technology is an important tool in understanding your customers’ shifting needs. Here are three key areas to use technology to more effectively respond to your customers.

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

Augmented reality (AR) has been around for a while, but the market is expected to grow a hefty 31.5% between 2021 and 2026. With the drive towards all things digital, financial institutions are now looking more closely at AR as a way to continue engaging with customers and training employees. Here is the latest update on this growing technology.

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

What is the best way for bankers to communicate with their customers digitally? Given the option between web-based chat features and mobile messaging apps, 48% of consumers prefer mobile messaging. Not only that, but also Net Promoter Scores increase almost threefold for those companies that use mobile messaging. Here are seven reasons why customers want mobile messaging.

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

According to a Harris Poll, half of American employees want to change careers. Not only that, but 33% of this group also plans to change industries. Can community financial institutions entice some of these talented employees, while retaining their own? We give you some tips on how to do this through this relentless labor crunch.

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

A number of challenger and foreign banks have recently exited or scaled down their presence in the US. N26 is the latest casualty. What’s behind these less-than-successful attempts to come to terms with the US retail banking landscape? We look at the lessons community financial institutions can learn from this apparent exodus.

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

Community financial institutions serve their communities well in many different ways. They provide guidance, donate their time, and provide financial support. But, could they leave a more lasting legacy by establishing a charitable foundation? We try to answer that question by exploring the idea and providing you with three important reasons to consider.

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

Arizent reports that financial institutions say 53% of employees will be either working remotely full time or in a hybrid capacity in 2022. With a tight labor market and Omicron cases going up, how are community financial institutions adapting their work schedules? We share some examples and give you three remote work reminders, as you review your institution’s work schedule.

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

The agriculture industry appears to have experienced a turnaround during 2021. The USDA expects 2021 net farm income to increase by 23% YoY. We take a look at what has driven the recovery this past year, review the outlook for 2022, and suggest three ways in which community financial institutions could reap the most from this boom.

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

The hike in inflation to 6.8% in November and the arrival of the Omicron variant have applied pressure for the Federal Reserve to increase interest rates. What will this do to deposits? While rates are still low, it’s critical for community financial institutions to retain their customers and their position as primary bank. Here are some tips to help increase customer stickiness.

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

Many consumers are shopping online, but many value the in-store experience with contactless shopping options. Contactless commerce is growing with the advancement of new technologies. “Pay-by-face” and RFID are two of these technologies that are finding more traction these days. We cover the latest in contactless commerce technologies.

01/03/2022 - Top Five Trends For 2022

As we kick off 2022, let’s look ahead at some of the key economic, regulatory, and market trends that may affect community bankers and their clients this year. The uncertainty surrounding inflation, potential interest rate hikes, and the outlook for M&A activity all are likely to play an impactful role this year. Others that we believe could begin to grow even more prominently are the digital race and ongoing changes to the ways of working. Here is our assessment of things to come in 2022.

December 2021

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?

November 2021

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

October 2021

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

September 2021

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

August 2021

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

July 2021

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

June 2021

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

May 2021

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

April 2021

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?

March 2021

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?

February 2021

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

January 2021

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

December 2020

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

November 2020

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

October 2020

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

September 2020

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

August 2020

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

July 2020

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?

June 2020

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

May 2020

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

April 2020

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

March 2020

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

February 2020

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

January 2020

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

December 2019

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

November 2019

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

October 2019

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

September 2019

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

August 2019

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

July 2019

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

June 2019

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

May 2019

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

April 2019

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

March 2019

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

February 2019

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

January 2019

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

December 2018

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

November 2018

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

October 2018

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

September 2018

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

August 2018

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

BID® Daily Newsletter Archives