contents COVER STORY 40 Features CUSTOMER ACQUISITION 40 Gen Z rising 28 High achievers ICBA's 2017 Community Bankers of the Year-including Eastern winner Kathy Underwood of Ledyard National Bank-represent the best of the industry Step aside, millennials. There's a new kid in town. Actually, there are about 69 million of them-and they're going to need banking services too MONEY 46 Toward a more current currency Leading Voices 7 From the Chairman 9 Fine Points With Interest 11 Around the Industry 14 By the Numbers Are you ready for HMDA? Bitcoin to ether to litecoin: We ask how soon virtual currencies will become the new normal-and whether they are opportunities for community banks to cash in 16 Main Street Focus American Bank of Iowa's mobile coupon app is a win for customers, local businesses and the bank 18 Indie Banker Cheryl Tanenbaum helped found Intracoastal Bank in the midst of the Great Recession. A successful decade later, she's investing in the community bank's future through social media and technology 2 ICBA Independent Banker December 2017 18 December 2017