FEBRUARY 2023 5 Flourish 7 From the Top IN EVERY ISSUE CURRENCIES Media Memo: A transformational listen? History Lesson: The blizzard that boosted ATM use The Ledger: The state of personal financial knowledge Defining Finance: What is a nonfungible token (NFT)? 24 PORTFOLIO 20 Uncover patterns in your payments How data analysis highlights customer transaction patterns 24 The impact of new overdraft fee guidance A guide to staying in compliance 70 CONNECTIONS 66 Trailblazer Scottsdale Community Bank recently launched a microloan program inspired by a lemonade stand. 70 Community Spirit First Bank of Alabama's STEM day at the Superspeedway 72 Member Benefits ICBA's Virtual Advocacy Primer 74 Listen Up A sneak peek of episode 3 of the Independent Banker podcast, featuring community banker Kim Kirk and fintech insider Tommy Marshall 76 Out of Office Brian Dowers goes the distance with his motorcycle. 26 Innovation Station Fintech partner assessments 28 Explainer: What is digital twin technology? A look into the new virtual risk assessment technology 32 Leadership at All Levels Ways to maximize your productivity 34 Biometric banking: Smarter every day Reinforcing banking security measures with modern technology 38 Portfolio Management Cash flows, interest rates and fixed rate pools 42 Checks & Balances From overdraft fees to fraud, ICBA is advocating for a wide variety of regulatory topics this year Connect with ICBA @icba facebook.com/icbaorg linkedin.com/company/icba youtube.com/user/ communitybankchannel @banklocally @myicba 2 // ICBA Independent Banker // February 2023http://www.youtube.com/user/ http://www.facebook.com/icbaorg http://www.linkedin.com/company/icba