DECEMBER 2022 5 Flourish 7 From the Top IN EVERY ISSUE CURRENCIES Good Reads: The key to authentic customer connection History Lesson: Giving currency to the OCC The Ledger: The fintech approach to customer engagement Defining Finance: What is Binance? 10 22 PORTFOLIO 18 The rise of super apps Consumers across the world are using super apps to bank online 20 Leadership at All Levels How to thank your team for their hard work this year 22 Can AI tame vendor management challenges? AI can help community banks enhance organization, data security and more CONNECTIONS 64 64 Trailblazer Founded by a team of poker enthusiasts, Lexicon Bank serves the needs of the poker community 68 Community Spirit First National Bank invested $2.5 million in Black Tech Nation Ventures to support minorityowned startups 70 Innovation Conversations Three de novo founders discuss the importance of mission-driven organizations 72 Out of Off ice Music producer and community banker Ryan Monica DJs around Louisiana 24 Innovation Station The legacy of ICBA's ThinkTECH Accelerator continues to grow 26 2022 regulatory compliance review The creation of new compliance regulations slowed in 2022 28 Portfolio Management The current market is similar to the ones in 2001/02 and 2007/08 30 Battling rate headwinds to maintain momentum Community bankers look for opportunities to maintain and grow lending business in 2023 32 Checks & Balances The power of ICBA's partnerships with aff iliated state associations Connect with ICBA @icba facebook.com/icbaorg linkedin.com/company/icba youtube.com/user/ communitybankchannel @banklocally @myicba 2 Q ICBA Independent Banker Q December 2022http://www.youtube.com/user/ http://www.facebook.com/icbaorg http://www.linkedin.com/company/icba