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On Main Street
Independent Banker
FEBRUARY 16, 2015
A Second Cyberdefense. By Noah W. Wilcox, Grand Rapids State Bank. Information is the new coin of the realm, and financial information is the most widely prized.
2015
Unbundling, Fidor, and the Model for Approaching Financial Startups
Celent Banking
SEPTEMBER 9, 2015
I´ve recently had multiple conversations with financial institutions about the trend of unbundling financial services by fintech startups. In fact, it’s hard to discuss the future of the industry without touching on it.
Trending Sources
Top cash flow forecasting mistakes
Abrigo
APRIL 8, 2015
By Bakley Smith, CFA Strong businesses have a solid handle on their financial reality, and the cash flow statement is an excellent, if not the best, measure of a company’s ability to generate cash in excess of cash invested.
Banks: An Eponym of Epic Proportions
Finer Points
SEPTEMBER 22, 2015
When most people want a tissue, they say they need a Kleenex. When you cut your finger, you don’t say you need an adhesive bandage—you need a Band-Aid! When you need to make a photocopy, regardless of the brand of the machine, you make a Xerox copy. Many marketers would consider this a compliment, especially […]. Community Banks Washington
Bank Brands We Admire, How Much To Spend and 5 Steps To Get There
Banker to Banker
OCTOBER 29, 2015
It has been said that community banks are not doing enough to differentiate themselves and are not properly segmenting their markets.
Banking Redefined: Disruption, Transformation And The Next-Generation Bank
Insights on Business
DECEMBER 15, 2015
The IBM Institute of Business Value just released a new executive report that discusses the disruptive forces that are affecting the financial industry and strategies for transforming into a next-generation bank.
Welcome to the Internet of Me: Banking, personalized at scale
Accenture
JULY 6, 2015
In the Accenture Technology Vision 2015 for Banking, we explore five digital trends that reinforce our strategy for banks to become Everyday Banks. The first trend we explore is the Internet of Me. We know that personalized experiences are a. Read more.
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Community Banking Brief brings together the best content for Community Banking professionals from the widest variety of industry thought leaders.
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15 Minutes With—Les Leskovin
Independent Banker
AUGUST 27, 2015
Photo by Aggie Brooks. Les Leskoven. Senior Vice President and Senior Trust Officer. for the $521 Million-Asset. Community National Bank & Trust of Texas. in Corsicana, Texas. IB: Tell me about Corsicana. Where’s it located? Leskoven: We’re about 45 miles southeast of Dallas.
Analytical and Personable
Independent Banker
JULY 1, 2015
Jamey Smith Citizens Bank in Kilgore, Texas. Jamey Smith forges complete partnerships for successful commercial lending. By Judith Sears.
The New Rules of Engagement
Independent Banker
FEBRUARY 24, 2015
Winning connections with Gen Y customers come with a few unspoken protocols of marketing and communication etiquette. By Kathryn Jackson Fallon. Four Rules of Engagement. Seek permission. Texting millennials enters their private zone.
Why the branch banking controversy will continue
Celent Banking
FEBRUARY 26, 2015
The branch is dead, long live the branch! Controversy around the wisdom (or not) of investing in the branch channel amidst rapidly growing digital banking adoption is showing no signs of letting up.
Optimizing valuation engagements to aid business development
Abrigo
JANUARY 14, 2015
Bringing in new clients is a top priority for forensic and valuation accountants, with 87 percent calling the task somewhat or extremely important, according to a recent AICPA study. The emphasis on business development is understandable.
Community Bankers to Washington: Let’s Work Together To Get the Job Done
Finer Points
MAY 6, 2015
Last week’s ICBA Washington Policy Summit showed once again that community bankers are not only willing to go the extra mile—they’re even grateful for the privilege. With nearly 1,000 community bankers and industry advocates in the nation’s capital to advocate positive reform in more than 300 meetings with policymakers, there was a feeling of enthusiasm […]. Advocacy Community Banks Credit Unions Farm Credit System Regulatory Relief Washington Washington Policy Summit
What We Learned At The ABA Marketing Conference
Banker to Banker
OCTOBER 7, 2015
Fresh off the 2015 ABA Marketing and Retail conference in Denver, we have a very long Evernote page of ideas, inspirations, thoughts and tactics.
Waiting For The Tide To Turn ? Banks Can Do More
Insights on Business
DECEMBER 10, 2015
Steamer Lane, which is named after the steam powered boats that motored past it in the 1930’s, serves as the epicenter of Santa Cruz surfing with its cool blue water from the Pacific. Standing at the beachfront of Steamer Lane, Karthik, an adroit surfer gazes the ocean for signs of high tide.
Find the speed you need: How the agile bank fast tracks market responsiveness
Accenture
SEPTEMBER 23, 2015
Speed is critical for retail banks that want to master digital disruption. In the digital banking era, change happens nearly instantaneously. New competitors enter the market quickly. Industry boundaries are redrawn in a flash. Tomorrow’s technologies emerge even before banks. Read more.
Vantage Point
Independent Banker
MARCH 15, 2015
Corporate Capability. Five secrets to building a strong compliance culture. By Pam Perdue. What’s your community bank’s compliance culture? It’s a question regulators are asking more often these days.
15 Minutes With—Kaarin
Independent Banker
NOVEMBER 25, 2015
Kaarin Long stops by a local manufacturer while getting to know customers as Investors Community Bank’s cash management relationship manager. Photo by Mike Roemer. Kaarin Long. Cash Management Relationship Manager. for the $745 Million-Asset. Investors Community Bank in Manitowoc, Wis.
A Center-City Commitment
Independent Banker
SEPTEMBER 22, 2015
Renovating Anew—Jim Haley, president and CEO of Thurston First Bank, during the renovation of the building that became the bank’s headquarters in downtown Olympia, Wash. Above is the office’s historic retail building in earlier days. Thurston First Bank makes a big move for a downtown’s future.
Top 4 Performance Stats That Will Blow Your Mind
Gonzobanker
AUGUST 31, 2015
In our line of work , we see a lot of processes and benchmark a lot of data. Here are four statistics that will blow your mind: 75% of time spent with new customers involves computer input versus building relationships through a conversation.
Ready for new ACH rules in 2015
Independent Banker
FEBRUARY 16, 2015
Community banks should prepare for several significant new ACH rules in 2015 and 2016. Here are a few. By Jennifer L. Unauthorized entry fee.
More comments on the “branch is dead” debate
Celent Banking
APRIL 23, 2015
*As mentioned in an earlier blog, the persistence of the “branch is dead” debate seems to be to betray the deeply invested interests on each side of the debate. In many financial institutions, digital and physical channels still have separate reporting structures (Figure 1).
How to get referrals and grow your firm
Abrigo
JANUARY 29, 2015
By Natasha Closs, Director of ProfitCents Consulting & Advisory Services. An ongoing challenge for accountants and other financial services professionals is attracting new clients.
Regulatory Burden Is Capturing Big Headlines
Finer Points
AUGUST 3, 2015
While ICBA continues our full-court press toward advancing community bank regulatory relief all the way through Congress and to the president’s desk, we are also making noticeable headway in raising public awareness of the problem via the national news media. The Washington Times recently ran a special section featuring a series of articles, editorials and […]. Advocacy Community Banks Economy Regulation Regulatory Relief
Using the Emotion of Banking to Attract Customers
Banker to Banker
NOVEMBER 9, 2015
Later this month, Secretary of State John Kerry will attempt to bring peace to one of the world’s most dangerous troubled spots – a Washington D.C. Best Buy. There, mobs of discount-fueled shoppers will be viciously climbing over each other attempting to save $25 on the latest Xbox One.
Making Blockchain Real For Business – What Does This Mean? And What Is Next?
Insights on Business
DECEMBER 22, 2015
This past Thursday The Linux Foundation, IBM and several major Banks and Tech firms made an exciting Blockchain announcement. The Open Ledger Project , as it is known, will be looked back on as a pivotal moment in time.
Good governance is key to building a model risk management framework
Accenture
NOVEMBER 6, 2015
In today’s heavily regulated financial climate, banks and financial institutions are relying more heavily on models—to help measure and manage their exposure to risk, and to help manage the overall business. These models are used in every aspect of risk. Read more.
Mobile, onboarding among dominant themes at FinovateFall 2015
Celent Banking
SEPTEMBER 18, 2015
When I’m feeling a bit flip, I tell clients that Celent goes to a lot of conferences so that they don’t have to. Don’t get me wrong: conferences are worthwhile, and you have a lot of serendipitous conversations.
Why Banks Should Pay Attention to “Assistant as an App”
Celent Banking
SEPTEMBER 22, 2015
Last week I had the pleasure of going to Finovate, a biannual event (at least in NA) where start-ups and established vendors show off their newest creations. My colleague Dan Latimore wrote an in-depth piece about it last week.
Mobile Ready
Independent Banker
FEBRUARY 16, 2015
Special functions and features to draw prized smartphone-tethered customers. By Phil Britt.
Customer Experience in Financial Services
Celent Banking
SEPTEMBER 30, 2015
Service Design. Journey Maps. Customer Stories. Mood Boards. Experience Recovery. These are a handful of the topics discussed at this week’s Customer Experience for Financial Services (CXFS) Conference, organized by Worldwide Business Research in Charlotte, NC.
Talking in a Digital World
Independent Banker
MARCH 15, 2015
Customer contact centers are reshaping retail service for the technology age. By Phil Britt. Sure, call me if you want. But how about using text, instant message, Twitter or email? Increasingly, more digitally connected consumers are saying yes to that question with their community bank.
Why Digital Appointment Booking will be Commonplace in Three Years
Celent Banking
SEPTEMBER 15, 2015
A friend of mine is a successful small business owner in his forties. Like so many in his demographic, Bryan developed a longing to own a Harley Davidson. He could easily afford a Harley, but chose to seek financing instead. Getting this business should have been a walk in the park for his bank.
Effective and efficient business valuation report writing
Abrigo
JANUARY 8, 2015
Business valuation services are among the highest-growing niche services among Top 100 accounting firms, according to Accounting Today. One aspect of providing this service, however, is notoriously time-consuming and frustrating: Writing business valuation reports.
Guest Blog: Giving Credit Where It’s Due—with Community Bankers
Finer Points
SEPTEMBER 10, 2015
By Terry J. Jorde Congratulations, community bankers! This week we saw once again that our industry’s hard work and determination on behalf of regulatory relief can achieve tangible results in Washington. Following passionate advocacy from ICBA and community bankers, regulators issued a proposed rule to simplify community bank call reports and laid out their plan […]. Advocacy Community Banks Grassroots Regulation Regulatory Relief Washington
Banks Need To Stop With The “Digital Strategy”
Banker to Banker
AUGUST 17, 2015
Indra Nooyi, Pepsi’s CEO, wanted to put more emphasis on design. She gave each executive a photo album and a mission to go capture designs that “inspire.” It was a simple assignment, but only a few managers completed the task and of those that did, half of those had their spouse do it for them.
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