BankNews December Issue - Features & Columns

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What banking executives need to know to generate fee income.
By Patrick O'Boyle

Credit cards are a convenient and increasingly ubiquitous means of making payments. Today, credit card acceptance has passed far beyond the simple consumer purchase at a retail store or restaurant.
Same-Day ACH Debits
Second phase of NACHA's faster payments rule is a quick success.
Fraud-Free Mobile Commerce
Solution eliminates impact of fraudulent transactions.

By Michael Scheibach
Seventy percent of U.S. mobile users will make a mobile payment this year, according to TechCrunch; Business Insider estimates that mobile payments will be nearly 0 billion in 2018; and Edelman Financial reports that some 200,000 U.S. retailers now accept mobile payments.

Self-Service Banking
In-branch technology and omnichannel service are key.
Bipartisanship Lives in Senate Bill
Banking committee launches regulatory overhaul measures.
By Bill Poquette

In a rare display of bipartisanship, agreement was reached by members of the Senate Banking Committee on legislative proposals to overhaul the nation's financial regulatory framework.

Vice President, FNB Community Bank, Midwest City, Okla.

Q: What legacy do you hope to leave at FNB Community Bank?
CR: When customers or other employees see my name, I hope they remember how much I truly cared about each of them. It is my goal to make each person who walks into my office feel important and valued.
Every Basis Point Counts! When it comes to maximizing net interest margin, getting every basis point possible will only improve bottom line profitability.
By Kristin Rulon

There's a new kid in town and while many of them are still quite literally children, that shouldn't stop FIs from preparing for the most tech-savvy generation to date.
New HMDA Disclosure Guidance Creates Concern in Wake of Recent Data Breaches
The Consumer Financial Protection Bureau recently announced a new policy guidance concerning the data required to be collected, reported and disclosed by financial institutions to the public under the Home Mortgage Disclosure Act.

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