Contents 32 TABLE OF NOVEMBER | DECEMBER 2016 VOL. CVIII, NO. 6 COVER STORY PILLAR OF HER COMMUNITY Meet the unstoppable Dorothy Savarese, ABA's 2016-17 chairman. BY EVAN SPARKS 38 Features MAINTAINING A COMMITMENT TO AG CUSTOMERS Innovation can be more than engineering the latest and greatest gadget. It also means flexibly adapting to and meeting customers' needs throughout the business cycle. BY BRIAN NIXON 20 SPECIAL REPORT ON INNOVATION AND TECHNOLOGY 20 23 26 28 31 4 Banking's 'Amazon Moment' Building an 'Internet of Value' Do You Do What the Data Tell You? Innovation in the Bank Core Exercises ABA BANKING JOURNAL | NOVEMBER/DECEMBER 2016 41 WHO YOU GONNA CALL? A proactive posture toward investor relations can help bank management better engage with activist shareholders. BY DEBRA COPE