NOVEMBER 2023 Vol. 73, Issue 11 FEATURES 42 AI: Risk or reward? AI is a hot topic-that's why we talked to tech and ICBA experts to get to the bottom of what bankers need to know. 50 4 emerging bank technologies (that aren't AI) In the evolving world of technology, what innovations should you keep an eye on? 56 Banking on the gig economy The way people work has changed. Here's what you need to know about working with self-employed and gig workers today. 50 Cover: Illustration by Ben Fearnley 56 independentbanker.org // 1 42http://www.independentbanker.org