Independent Banker

OCTOBER 31, 2021

How Americans bank has been changing for years, including how they start their banking relationships. Offering the ability to open an account online can be one way to reach customers who are unable to join your community bank in person. In 2019, the two merged brands again under IncredibleBank.

Idaho 134

Idaho Community Bank Community New Jersey 134

Independent Banker

MAY 31, 2022

Josh Prejean (right) of Bank of Zachary, here with mortgage client David Rozas, says community banks must compete through customer service. We look at how community banks can counter nonbanks’ offerings through streamlined technology, customer service and other strategies. Josh Prejean, Bank of Zachary.

Community Bank 185

Community Bank Community Lending Marketing 185

Cisco

NOVEMBER 15, 2022

Open banking made this possible. Open banking allows third-party financial services companies to access consumer banking, transaction, and other financial data via the secure use of APIs. It wasn’t just that Venmo happened but open banking for the digital ecosystem. Open banking happened. In the U.S.

Innovation 156

Innovation Security Data Innovation Strategies 156

South State Correspondent

MARCH 15, 2023

Now, customers and analysts will pay more attention to Loans + Securities-to deposit ratio. Instead of just looking at LTD, investors, and depositors, will now look at loan plus securities to total deposits. The ratio would provide a bank’s current core capital position to risk-adjusted assets.

social media 195

social media FDIC Branding Management 195

PYMNTS

MARCH 26, 2020

To regain some of that ground, Connie Davis, senior vice president at FIS , told PYMNTS in a recent interview, FIs — particularly credit unions (CUs) and community banks — must transform the way they think about digital offerings and connected experiences. That means they can compete more effectively against digital-only competitors.

Community 247

Community Community Bank Mobile Cards 247

Independent Banker

OCTOBER 1, 2022

North Easton Savings Bank president and CEO Rich Spencer (left) with recipients of the bank’s annual college scholarships. College-bound high school students in Massachusetts were asked to complete essays about the intrinsic value of community banks for a chance to win a scholarship from North Easton Savings Bank.

Community Bank 91

Community Bank Community Minnesota Massachusetts 91

PYMNTS

NOVEMBER 18, 2020

It is also announcing a new partner in Daylight, a digital bank working with Visa and Fast Track to recreate a community bank concept digitally. And that means that we go to principally two partners, processors and now bank sponsors — and we certify this FinTech to be part of the Visa Ready program,” Angelos said.

Fintech 184

Fintech Community Community Bank Meeting 184

South State Correspondent

OCTOBER 28, 2022

Almost every bank and brand we spoke with will increase their investment in these two areas for 2023. This was followed by a focus on banking-as-a-service, embedded finance, open banking, Web 3.0, Many of the new banking and payment technologies have now far eclipsed traditional cores’ capabilities.

Conference 195

Conference Technology Las Vegas Trends 195

Independent Banker

OCTOBER 31, 2021

“I’m not sure how we would have processed all of the PPP loans and everything else in the last 18 months without some of the technology that we have implemented,” says Chris Jundt, senior vice president and chief lending officer at First State Bank & Trust. Northpointe Bank in Grand Rapids, Mich., Cashing in on efficiencies.

Lending 91

Lending Community Bank Community North Dakota 91

PYMNTS

AUGUST 31, 2020

Some smaller entities or entrepreneurs may experience difficulties or even get denied when trying to secure loans from a larger financial institution. Leaning Into Community-First Lending.

Community 152

Community Lending Community Bank Innovation 152

PYMNTS

JUNE 15, 2016

Kane will report to Gordon Smith, CEO of consumer and community banking. ” Before being promoted to the new chief executive, Kane headed Chase’s business development for card services division, where he was a lynchpin in securing various co-brand deals and improving Chase Pay relationships. .

Leadership 100

Leadership Community Bank Community Branding 100

PYMNTS

DECEMBER 11, 2020

to advance secure, contactless transactions as stores reopen amid COVID-19 restrictions. Synctera Brings 'FinTech As A Service' To Community Banks. FinTechs want to offer compliant banking services, while community banks want new ways to grow deposits. Ikea And What Comes Next For Printed Catalogs.

Trends 175

Trends Fraud Millennials Community Bank 175

William Mills

DECEMBER 19, 2017

BankLabs is a national provider of innovative mobile technology products helping community banks improve efficiency, increase time for relationships with customers and create marketplace options that expand business opportunities. BankLabs was created by community bankers, for community bankers. About BankLabs.

Community Bank 71

Community Bank Community Dallas Atlanta 71

PYMNTS

JUNE 1, 2020

He said community banks and credit unions (CUs) have tended be on the trailing edge when it comes to digital. Visa and Mastercard and the card brands in the last two years have made more updates and changes to their chargeback rules and technologies than they did in the previous 25 years,” he told Webster.

Payments 172

Payments Fraud Security Technology 172

PYMNTS

OCTOBER 27, 2017

According to Merritt, large institutions may be able to fulfill SMBs’ needs for a better technological experience, but if they want an advisory service, they have traditionally turned to the community bank. The problem today, he added, is that community banks are unable to fulfill SMBs’ needs for a better technological experience.

Community Bank 103

Community Bank Community Survey Millennials 103

PYMNTS

APRIL 1, 2019

They want to know their money is secure, they want to have a positive experience whether they are online or talking to a teller, and when things go wrong from time to time, they want to know the path to getting them set back to rights is short and straight. The Security Core. Tapping Into Trust.

Innovation 141

Innovation Fintech Fraud Security 141

Independent Banker

OCTOBER 29, 2014

Big-brand megabanks, the Visa and MasterCard networks, and big-box merchants had signed up to become partners with Apple’s universal retail smartphone app that uses Near Field Communication and tokenization technologies. So where do ballyhooed mobile banking and payments developments among the biggest players leave community banks?

Mobile 105

Mobile Community Bank Community Technology 105

Gonzobanker

DECEMBER 14, 2023

Not the financial industry’s “Troublemakers ” – those regional and community banks, credit unions and supporting fintech entrepreneurs who continue to engage customers and communities and find niches that keep the grassroots of our country’s financial system alive and kicking.

Fintech 194

Fintech Community Regional Technology 194

Abrigo

APRIL 28, 2016

The SBA offers the “three Cs” to help aspiring entrepreneurs start up and scale up by making counseling available, providing more choices and chances to secure capital, and by helping them seize market opportunities to commercialize their ideas. Every business starts small.

National 150

National San Jose Los Angeles United States 150

Gonzobanker

DECEMBER 19, 2022

Hats off to Thomas Shara at Lakeland and Tony Labozzetta of Provident for architecting the new $25 billion super-community bank in New Jersey. Goes to Frank Sorrentino of Connect One Bank , who humorously and insightfully defined his bank’s move into Florida as the “6th Borough of New York.”. merges with Lakeland Bancorp.

Community 216

Community Fintech Industry Innovation 216

Social Assurance

JULY 20, 2017

Why Millennials Need Banking Security and Compliance. Our phones and those online reviews can give us a false sense of security. This false sense of digital security that so many consumers have is exactly the reason that financial institutions have an obligation to maintain a consistent presence on social media.

Millennials 21

Millennials Compliance social media Security 21

Independent Banker

JUNE 29, 2015

ATMs with video connections to bank staff in a centralized back office have been getting a lot of buzz within the industry. For some community banks, video tellers, sometimes called interactive teller machines or ITMs, can work well for select markets or under certain conditions, experts say.

ATM 70

ATM Video Community Bank Community 70

Jeff For Banks

FEBRUARY 27, 2016

Except the bank never achieved greater than a 0.55% ROA and a 6% ROE. Say what you will about ING Bank USA, but don't say it was very profitable. So its brand didn't blow away its buyer, Capital One, either. The point of this post, and I do have one, is that Zenbanx needed a bank to get off of the ground. But I digress.

Fintech 60

Fintech Kansas Community Bank Capital 60

South State Correspondent

OCTOBER 4, 2023

Having to pay near SOFR rates will give you a false sense of security, cost you more in the long run, and slowly erode franchise value. Consider that many banks have one person in their marketing department, and then they task that person with managing events, merchandise, and brand building. You can do this with small wins.

Marketing 195

Marketing Taxes Training Management 195

Gonzobanker

DECEMBER 22, 2020

Banks and credit unions had to fundamentally change their delivery, support and relationship management models at scopes and speeds that were unheard of. And how did community banks and credit unions respond to the COVID craziness? Jill is continually demonstrating just how loud a $300 million community bank can roar!

Idaho 172

Idaho Community Industry Strategy 172

Social Assurance

JULY 20, 2017

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Millennials 12

Millennials Compliance Security social media 12

Gonzobanker

SEPTEMBER 15, 2014

Cheerily waving flags for the new “knight of Apple” were the dukes of Visa, MasterCard, American Express and Discover, and the earls of Chase, Wells Fargo, Bank of America and Capital One. In the world of issuers and card brands, there is now an innovator asking to take “just one thin wafer” of interchange revenue. No one really knows.

Apple 102

Apple Cards Mobile Community Bank 102

Gonzobanker

NOVEMBER 26, 2018

The lack of execution on internal innovation was further reinforced when FIS dumped its long-terminal road map around its digital and branch platforms for a new partnership with independent developer Zenmonics-branded Digital One.

Regional 93

Regional Strategy Technology Innovation 93

Banking 2020

NOVEMBER 27, 2015

That’s why digital capabilities have revolutionized every industry from retail and healthcare to banking—if the same services can be had from half a world away, and for a lower cost, why not avail of them? Meanwhile, the large regional or national banks are the biggest losers, saying sayonara to 16% in this customer age group.

Millennials 40

Millennials Survey social media Online 40

Jeff For Banks

SEPTEMBER 19, 2010

As the economic dominoes fell, so did banks, failing in numbers not seen since the 1989-91 S&L crisis. The end result, a black eye for our industry that brands us all in a not-so-attractive light. My firm specializes in working for community banks. Why does it seem young up and comers eschew banking?

Community 60

Community Community Bank US Branding 60

Jeff For Banks

DECEMBER 18, 2014

Year to date through September 30th, Open Bank had $4.5 The lion''s share of their growth, profitability, and capital have come since their re-branding to Open Bank in 2010. In June, the bank raised an additional $30 million of common equity, positioning it to continue its strong growth. #2. BofI Holding, Inc.

North Dakota 90

North Dakota Arizona Minnesota Los Angeles 90

Gonzobanker

DECEMBER 22, 2015

Community bank marketing resources. With market opportunity heating up and big bank and big credit union competitors hitting hard, too many community banks lack marketing resources … or they have 2X more spending in sponsorships than the campaigns, analytics and digital sales improvements that actually bring in new business.

Community Bank 60

Community Bank Apple Community Technology 60

William Mills

SEPTEMBER 12, 2017

Digital banking solutions for community banks and credit unions. A turnkey solution incorporating CRM, invoicing and payments into a simple solution for the business delivered through the bank’s digital banking solution. Cool name and branding. I like their branding. MalauzaiMonkeys. enveil_inc.

Samsung 69

Samsung Mobile User Experience Google 69

William Mills

MAY 11, 2016

It’s all done through the smartphone, with bank-level security. Chip card reader for when customers are shopping online to improve security. Customers can store all of their online profiles in one secure location to improve user experience. Looking for banks or credit unions. Branded version is available. ^KT.

Video 40

Video Mobile social media Analytics 40

Gonzobanker

JUNE 30, 2016

They tried to force PIN at their terminals (which, if we are being honest, is not the same security as chip and PIN) and it resulted in VISA fining them until it was corrected. And that’s growing largely because big banks were motivated by revenue and the Durbin Amendment to get a credit card in their customers’ wallets.

Payments 97

Payments Cards United States Fraud 97

Fintech Labs Insights

DECEMBER 5, 2016

For example, despite the importance of mobile (and desktop) functionality for website visitors, some banks, even major ones (Chase I’m looking at you), don’t bother to reinforce its features and benefits. But community banks and credit unions should have mobile and/or online banking listed in primary or secondary navigation.

America 12

America Digital Banking Marketing Mobile 12

Fintech Labs Insights

SEPTEMBER 8, 2015

So whether or not a small business is currently seeking capital , down the road most hope to grow, so the POTENTIAL to tap more funding is a huge factor when selecting a bank. It’s why small businesses have long sought to establish quality relationships with community banks or larger FIs. Security and transaction alerts.

Strategy 12

Strategy Fraud Security Community Bank 12