DECEMBERőî Vol. 68, Issue 12 If we want to make a diff erence, we have to do a better job of being smart bankers. " -Josh Rowland, ICBA Community Banker of the Year, Central 42 Community Bankers of the Year Ken LaRoe, Stan Wilmoth, Scott McComb and Josh Rowland (above) give us a glimpse of why they were nominated for-and won-ICBA's annual award features 54 Friction points As payments become easier to make, how can we trick our brains into making better spending decisions? 60 p2p from A to Z Venmo, ExcheQ, Zelle ... today's person-to-person payment options are dizzying. Discover which might be best for your community bank with our p2p guide Cover photo: Brian Carlson independentbanker.org Q 1http://www.independentbanker.org