December, 2021

Winning the last mile of cloud transformation


As banks turn to the cloud to transform their operations and catalyze growth, many are still searching for silver linings. Our multi-sector survey, Modern Cloud Champions, found that 65% of banks are not capturing the full value they expect from the cloud.

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Rebeca Romero Rainey: The spirit of innovation

Independent Banker

Photo by Robert Severi. A spirit of innovation and can-do attitude will serve you well this year, helping you remain ahead of the curve and address issues that arise. Dream big. Start small. But most of all, start.”


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Trending Sources

Fintech Deals to Watch: Growing in the Digital World


Hot embers continue to glow in the fintech market that GonzoBanker mothership Cornerstone Advisors serves. According to CB Insights, US fintechs raised $14.6B in the most recent quarter. While that’s lower than the prior quarter, it’s up 121% for the year.

FinCEN announces $8 Million BSA Enforcement Action: The Resurrection of AML Penalties


AML Penalties Are Back and Stronger Than Ever FinCEN is enforcing actions for BSA violations and failure to maintain effective AML programs. Would you like other articles like this in your inbox? Takeaway 1 Reprieve is over, FinCEN is announcing penalties and enforcing action for BSA violations. .

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100 Pipeline Plays: The Modern Sales Playbook

For the first time, we’re sharing the winning plays that took us from scrappy startup to a publicly traded company. Use our proven data-driven plays to grow your pipeline and crush your revenue targets.

How Use of Multiple CECL Models can Reduce Dependence on Large Q-Factor Adjustments

Strategically Speaking

As we continue marching towards final adoption of FASB’s ASC-326 (a.k.a., Current Expected Credit Loss, or CECL for short) in January 2023, community banks and credit unions are fully engaged.

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What’s next after 10 years of banking disruption?


After a decade of disruption, what has changed for commercial banks?? The digital economy has taken off around much of the world over the past 10 years, and the banking sector has been feeling the impact of this transformation and attempting to keep up with it.

Community Bank CEO Outlook 2022: Your priorities for the new year

Independent Banker

Illustration By blindSALIDA. If 2020 was the year no one expected, 2021 was a year of resetting expectations. Between a smoldering pandemic, the divisive political landscape and strong, albeit uneven, growth, there was a lot to account for in 2021, and some uncertainty remains.

Accio, Solutions! Magical Vendor Management Tips from Harry Potter

SWBC's LenderHub

I was 16 when the fifth Harry Potter book came out. My best friend and I had been total HP nerds since we were in fifth grade. Already conscious of being way too old for it, we decided to throw any hopes of being cool to the wind and go dressed in costume to the midnight book release.

How to Establish Quality Fintech Partnerships


Components of an effective fintech partnership If leveraging new technology is a priority for your FI, ensure these three elements are present for an effective fintech partnership. . Learn top best practices for leading a successful software implementation. DOWNLOAD WHITEPAPER .

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Digitally Transforming the Engagement Experience for Financial Institutions

Customer experience has become a key differentiator. Learn how to launch your digital transformation by incorporating two customer experience trends into your digital transformation strategy: self-service & personalization.

Evaluating New Tech Investments – Let the Purpose Define Your Strategy

Strategically Speaking

Investments in financial technology have been increasing for years, but the events of the last 18 months have created a new sense of urgency for community banks and credit unions to fine-tune their digital strategies across the spectrum of various fintech investments.

What’s ahead in 2022 for cryptocurrencies?

Daily Fintech

This year the ultra-rich got even richer. Elon Musk saw his fortune grow by $194 billion during the COVID-19 pandemic, followed by Jeff Bezos who saw his fortune increase by $85 billion. The world’s economic powers made the rich even richer, and the poor even poorer.

How can banks support small business recovery??


The small-and medium-sized enterprises (SMEs) landscape has been significantly altered over the last two years. Many businesses struggled, others adapted and innovated, and many new SMEs were born during the pandemic.

New Era of Consumer Engagement by Mladen Vladic

Independent Banker



The Importance of PCI Compliance and Data Ownership When Issuing Payment Cards

This eBook provides a practical explanation of the different PCI compliance approaches that payment card issuers can adopt, as well as the importance of both protecting user PII and gaining ownership and portability of their sensitive data.

Market Commentary: Week of December 13, 2021

SWBC's LenderHub

Last Week. Equity markets decided to look at the glass as half full, last week—keying in on initial reports that the Omicron Covid variant might be very contagious but not as lethal as Delta—and got their rally on.

Staffing Assessments: Why Financial Institutions Should Prepare for 2022 Staffing Needs Now


Prepare for Future Staffing Needs Now As we transition to 2022, now is the perfect time to analyze current staffing levels at your financial institution. . Would you like other articles like this in your inbox?

Striking a Balance: Fraud Prevention Versus User Experience in Digital Applications

Strategically Speaking

When it comes to signing up for a new Netflix account, customers can go from first click to watching movies in minutes. This means that when they open a new account at your bank or credit union, they aren’t thinking about the complex security measures that go into protecting their funds.

What is a Bitcoin worth?


Thomas Belsham. The price of Bitcoin is currently around $57,000 (see Chart 1 ). But what is the price of Bitcoin based on? It’s just a bunch of code that exists only in cyberspace. It’s not backed by the state. There’s no recourse to a central authority.

Your Guide to Using Conversational Marketing to Drive Demand Generation

What is conversational marketing really about? This guide will examine the market forces at play, shifting buyer trends, how to leverage conversation marketing, and the tactics involved in adopting it for a B2B demand generation strategy.

Innovation with techquisition: Getting it right


The fintech revolution is here: Over $34 billion of venture-capital funding went to fintechs in the second quarter of 2021.

Robert Fisher: The nimbleness of community bankers

Independent Banker

Photo by Heather Esposito. Let’s rediscover what it means to be community bankers. Let’s exercise our nimble natures to exceed customer expectations. Because as community bankers, it’s what we do. Nimble. That just may be community bankers’ word of the year.

How AI, self-service applications are transforming customer behavior

ATM Marketplace

As consumers become used to using self-service technology, technology providers are offering more tool such as artificial intelligence and data analytics in combination with self service.

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FFIEC BSA Exam Manual Updates: How Do They Affect Your Anti-Money Laundering (AML) Program?


New updates to the FFIEC BSA Exam Manual The December 2022 release is the latest since revisions began in 2020 as the council attempts to clarify and achieve transparency. Would you like other articles like this in your inbox?

Make Payment Optimization a Part of Your Core Payment Strategy

Everything you need to know about payment optimization – an easy-to-integrate, PCI-compliant solution that enables companies to take control of their PSPs, minimize processing costs, maximize approval rates, and keep control over their payments data.

2021 GonzoBanker Awards


“Accomplishing the impossible only means that it will get added to your regular duties.” Doug Larson. Gonzo readers, 2021 was just plain schizophrenic. It was a very mixed year in terms of change, expectations, and results. Covid was supposed to be controlled, except it wasn’t.

Light a Match

SWBC's LenderHub

“ When you can’t borrow another buck from the bank or buy another case of booze, you bust the joint out. You light a match.” – Henry Hill – Goodfellas.

For success, neobanks need to know their “why”


If you believe the hype, neobanks are disrupting every corner of the financial services market. The biggest players are signing up tens of millions of customers, with some of them experiencing 150% year-on-year growth in their customer base, according to Accenture research.

Bitcoin in 2021: A Year in Review

Daily Fintech

In terms of price, bitcoin climbed from around $29,000 at the start of the year to a fresh all-time high of nearly $69,000 in November, and in the process, it reached a market cap of more than $1 trillion for the first time.

LinkedIn + ZoomInfo Recruiter: Better Data for Better Candidates

Check out our latest ebook for a guide to the in-depth, wide-ranging candidate and company data offered by ZoomInfo Recruiter — and make your next round of candidate searches faster, more efficient, and ultimately more successful.