JULYőł CURRENCIES History Lesson: The origin of ATMs Q Good Reads: How small businesses and fi ntechs collaborate Q Montana's banking landscape Q The Ledger: Local banks build loans Q ICBA's latest certifi cation program covers community banking basics Q Banker's Hours: Regulation has gone to the dogs CONNECTIONS 70 Trailblazer Fidelity Deposit and Discount Bank's innovative branch design incorporates its " grow green " brand, and it's bringing in business 74 PORTFOLIO 16 Put your payments strategy on the fast track Change is overhauling payments. Here's what you need to know 10 18 Mastering the sixth C of credit: compliance Build trust with your regulator by thinking like your examiner IN EVERY ISSUE 5 Flourish 7 From the Top 76 Out of Offi ce 20 Innovation Station Competition doesn't just come from the megabanks, says Kevin Tweddle 22 Why banks need dedicated cyber insurance Your existing policies may leave you vulnerable to today's cyber threats 27 How to keep today's branches safe What physical security innovations can keep your branches protected? 76 2 Q ICBA Independent Banker Q July 2019 XX 30 Portfolio Management ICBA's Jim Reber looks at how investing boldly can have its payday 33 What's blocking your bank from mobile lending? Knowing what's between your bank and mobile lending is half the battle 36 7 tips for keeping credit risk low Avoid the pitfalls of subprime lending with these credit risk tips 37 Checks & Balances ICBA's Aaron Stetter says telling your community bank's story can have an impact on Capitol Hill 74 Community Spirit Celebrating the achievements of local student athletes is a monthly tradition for Fahey Bank and its community going back decades 70 Connect with ICBA facebook.com/icbaorg @icba linkedin.com/company/icba youtube.com/user/ communitybankchannelhttp://www.facebook.com/icbaorg http://www.linkedin.com/company/icba http://www.youtube.com/user/