Independent Banker - May 2019 - 49
have to come to any bank to get much
of what they want. They can get it
from fintechs and leave their bank to
perform the functions of a glorified
accounting system. No banker wants
to see that sort of commoditization of
financial services, " he says.
Chris Nichols, chief strategy officer
of CenterState Bank in Davenport,
Fla., which has $16 billion in assets
after its most recent acquisition,
points out that while he and his
colleagues try to make decisions based
on quantitative information, " it's
never totally clear-cut. " For example,
with emerging payments technology
investments, there is an initial upfront
cost and a transaction cost, so it can
be difficult to calculate the savings.
" But our customers need to make
payments somehow, and it ends up as
a net savings ... and moves us into a
new platform. All these aspects can be
seemingly subjective, " Nichols adds.
John Macaluso, senior vice
president of business development
for bank solutions at Fiserv, sees
community banks investing in both
branch and non-branch channels to
provide multiple ways of engaging
their customers. These investments
can take the form of upgraded digital
platforms, particularly mobile and
customer-experience platforms,
such as interactive teller machines,
video teller machines and tablets.
" Community banks are deploying
technology that supports a reimagined
branch experience, " he adds.
Brendan McGowan, chief
technology officer for Safe Systems,
Inc., says he is seeing community
banks " more wisely invest in
technologies that allow them to
focus on their core business, instead
of allocating valuable personnel
to manage the burdens that slow
them down. "
Karen Epper Hoffman is a writer in
Washington state.
i
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Independent Banker - May 2019
Table of Contents for the Digital Edition of Independent Banker - May 2019
Table of Contents
Independent Banker - May 2019 - Intro
Independent Banker - May 2019 - Cover1
Independent Banker - May 2019 - Cover2
Independent Banker - May 2019 - Table of Contents
Independent Banker - May 2019 - 2
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Independent Banker - May 2019 - Cover3
Independent Banker - May 2019 - Cover4
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