News & Publications


In The Press

  • The Delicate Balancing Act of Risk and Reward

    CBInsight; Online; May 2015

    The business of banking has, and always will be, based on the notion of taking calculated risks in order to reap the rewards. But risk and reward must be balanced. Take on too little risk, and the reward may not be worth the effort to satisfy shareholders. Take on too much risk, and it may or may not yield the anticipated reward—but could lead to federal regulatory action.
    Read More
  • Email Encryption Protects Critical Data Outside Your Walls

    Texas Bankers Association; Online; May 2015

    Email encryption is an area on which regulators are casting a stronger eye, since customers’ financial information is at greater risk while traveling outside your firewall and over the public Internet. Because as we know, with the right equipment and code, everything on the Internet can be viewed from anywhere, anytime.

    Read More
  • Be a Part of the Community … The Electronic Community, Social Media!

    Hoosier Banker; Online; May 2015

    Your bank is heavily involved in the communities you serve. You sponsor the local sports teams, support community festivals and provide personal service and expertise to the people who live in your communities.

    Social media is the electronic-channel version of your ongoing outreach. As a community bank, you can’t afford not to be a part of the community.

    Read More
  • Murky UDAAP Is Here To Stay

    BankNews Learning Points; Online; May 2015

    In August 2014, the Federal Reserve Board proposed to repeal UDAP, and the action is expected to become final in fall 2015. That solves the confusion between the two rules, since after that, there will only be UDAAP with which to contend.

    However, the thought process behind the original rule—protecting consumers in a host of situations surrounding the collection of consumer debt—is here to stay.

    Read More
  • Achieving BIG Growth and Profitability with Business Intelligence Tools

    CBInsight; Online; April 2015

    Big data has become a major tool for growth in various industries. Many retailers have been using it for years, and now financial institutions are learning how to leverage massive amounts of data to grow business, reduce costs and provide customers with a more personalized experience. While many community bankers assume that big data analysis is primarily a tool for larger institutions, the reality is that any size bank can leverage data to affect the bottom line.

    Read More
  • Take Three Steps to Service-Focused Branches

    Hoosier Banker; Online; April 2015

    Today, when a customer walks into a bank branch, they’re usually not there to deposit checks or make loan payments—those are tasks they can now accomplish from anywhere using mobile technologies. Rather, a branch visit these days entails solving an issue that needs a human decision, opening a new account or discussing such complex products as loans or financial planning.

    Read More
  • Breaking Down the Wall Between Printed and Electronic Documents

    BankNews; Online; April 2015

    In an increasingly digital world, banks still have to manage, print, and ship thousands--if not millions--of sheets of paper each year. Creating, printing, and mailing statements, privacy notifications, account alerts, and other documents is still a critical function, and many banks rely on a trusted partner to help with the logistics.

    Read More
  • Using Big Data to Redefine the Customer Experience

    PaymentsJournal; Online; April 2015

    Investment in big data technologies continues to expand, according to Gartner’s most recent big data survey, in which 73 percent of respondents—comprising 300 members of the Gartner Research Circle’s core of IT and business leaders—have invested or plan to invest in business intelligence solutions in the next two years, up from 64 percent in 2013. The survey also indicates that organizations are coming off the fence about their big data options: the number of organizations stating they had no plans for big data investment fell from 31 percent in 2013 to 24 percent in 2014.

    Read More