Banks should map their operations against the proposed Office of the Comptroller of the Currency’s standards and be ready for implementation.

While thousands of banks and credit unions use FedNow or Real Time Payments, many won’t allow customers to hit “send.”

A digital‑first approach paired with relationship banking enables community financial institutions to attract, serve and retain SMB customers in an increasingly competitive landscape.

Core replacement programs bring high costs and risks, but there is a more pragmatic and cautious approach to transforming your institution.

With more financial institutions embracing digital assets, automated blockchain transactions could streamline and speed up both operations and lending.