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Comminity Banks

The Cloud IS the Bank

A generation ago, when the Internet first arrived, it shrunk the gap between big companies and SMBs. Those smaller firms could suddenly leverage a new arsenal of online tools to compete on research, product development, customer outreach,...

PPP is Not a Free Lunch for Banks

During the post-prohibition era in the 1930s, bars offered free lunches to their patrons to get them to buy drinks. 40 years later, Milton Friedman famously summed up the study of economics with the quip – “There is no such thing as a free lunch” or...

OK We Need to Innovate – But Where Do We Start?

Community banks need to innovate. Most of us accept that. Too much is changing around us, too many other players are jumping on our turf. Regulators seem out to strangle us. And customers demand more and more.