contents COVER STORY 36 28Then, now and soon From payments to drive-throughs, our timeline traces the history of retail banking technology -and where it's going next Leading Voices 5 From the Chairman 7 Fine Points With Interest 9 Around the Industry 12 By the Numbers How many community banks off er mobile banking services? 14 Main Street Focus Community First Bank empowers customers to protect themselves from scammers 16 Indie Banker Security Bank USA president and CEO Tiff any Baer Paine and her team are committed to good stewardship of resources Features VIRTUAL BANKING 36 Virtual banks, real results Industry experts share why and how online-only bank brands are bolstering community banks' brick-and-mortar presence and customer base, across generations and state lines CORE PROCESSORS 42 Let's talk A community bank's relationship with its core processor is a strategic partnership that supports the bank's long-term business objectives 16 independentbanker.org ICBA IndependentBanker 1 November 2017http://www.qmags.com/clickthrough.asp?url=www.independentbanker.org&id=20402&adid=P1E1