Next: Capital Summit in photos " Embedded banking is where the customer doesn't necessarily even see your bank. It's in the background, invisible to the customer. It just works, which is really, at the end of the day, what the customer wants. They want to know their money is safe, they want to know their payment has gone through. They aren't as interested in the user experience as long as it works. " -Tim Shangle " [To build a culture of innovation], ask questions of your customers and constituents, and give them a chance to participate. " -Charles Potts Next up Episode 10 of the Independent Banker podcast discusses ICBA's decision to move its ThinkTECH Accelerator in-house and how the association will develop initiatives that help community banks thrive. " Innovation isn't magic. You don't need a wizard to make your bank innovative. Innovation is simply something that is new today that will eventually become normal down the road. " -Tim Shangle SCAN ME independentbanker.org // 77 Listen to Independent Banker: A Community Banking Podcast from ICBA wherever you get your podcasts or at icba.org/podcast. You can also scan the code below.http://www.icba.org/podcast http://www.independentbanker.org