NOVEMBER 2023 5 Flourish 7 From the Top IN EVERY ISSUE CURRENCIES ¡ Photo News: Giving blood and giving back ¡ Defining Finance: What is ISO 20022? ¡ Media Memo: Zeroing in on fintech ¡ The Ledger: Behind the scenes of data breaches ¡ History Lesson: Tabletop transactions: banking in ancient empires 10 PORTFOLIO 18 How to talk to customers about crypto Help your customers be smart about cryptocurrency risk. 22 8 ways to boost your small business lending Build and make the most out of small business customer relationships. 24 Innovation Station The great digital strategy reset 80 CONNECTIONS 68 Trailblazer Moultrie Bank & Trust has found success as a relationshipbased de novo. 72 Community Spirit Bank of Anguilla is playing a vital role in its community's tornado recovery. 74 Member Benefits Welcome to ICBA Community. 76 Listen Up Winning the talent war 78 Bulletin Board LEAD FWD Summit brought together the leaders of banking. 80 Out of Office Robert Fricke's love for wooden boats reaches back to his childhood. 26 Mentoring: Leading by example Curating mentorship programs based on employee needs 28 Leadership at All Levels Relishing anticipation 30 The never-ending quest for digital payment security Staying vigilant to prevent cybercrime 32 How to use customer data to boost mortgage lending Reengage customers with the data your bank has on hand. 34 Portfolio Management Why volatile rates feed into MBS options 36 How to successfully negotiate a fintech partnership Getting the most out of these important relationships 40 Checks & Balances The Fannie Mae and Freddie Mac conservatorship should end now. Connect with ICBA @icba facebook.com/icbaorg linkedin.com/company/icba youtube.com/user/ communitybankchannel @banklocally @myicba 36 2 // ICBA Independent Banker // November 2023http://www.youtube.com/user/communitybankchannel http://www.youtube.com/user/communitybankchannel http://www.facebook.com/icbaorg http://www.linkedin.com/company/icba