Community banks are under pressure from regulators, Big Tech, Fintechs and customer’s digital expectations.

Big Tech companies are spending billions of dollars per year to ”cherry pick” a bank’s highest margin business without taking on the responsibility of being the customer’s primary bank partner.
Fintechs are not bound by the same regulatory requirements as a bank, they are able to develop new services and business models quickly and easily.
Bank customers have grown to expect real time digital services even while they expect the personal service of their local bank.
Big Banks are able to invest billions in new technology as they scale while increasing new deposits.
Customers want to engage with their community banks for personal service, but banks need to be digital to deliver truly personal experience.

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