"If you really take a step back and think about regional and community banking, there's a couple headwinds or tailwinds, that are driving how banks are thinking about the market,"
"One is deposit growth and profitability growth through lending. Every bank right now is thinking, how do I grow? What is my sweet spot in my segment? Thing two is operating costs. How do they continue to drive a more efficient bank? AI is a big topic on that particular solution. And thing three is fraud. How do you protect the banking ecosystem? You put those three together and you've got a meaningful amount of where the energy is in the market today."
Community and regional banks operate amid perpetual tension between growth, cost control, security, and customer experience. They must grow deposits and drive lending profitability while preventing increasingly sophisticated fraud and delivering digital experiences comparable to major technology platforms. Operating costs threaten smaller institutions, elevating efficiency and AI-driven solutions as priorities. Technology foundations must be adaptable to avoid obsolescence during implementation. Modernization represents a continuous process of adaptation that varies by institution based on maturity and objectives. Institutions most likely to succeed prioritize enabling organizational agility rather than chasing specific technologies.
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