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	News & Events / Published Articles
	PREPARING FOR PANDEMIC Bill Evers, Director of Business Development The H1N1 virus has people across the nation changing their hygiene habits and nations across the world enacting their pandemic preparedness plans. More than likely your bank has examined its contingency plan to make sure you have the policies and procedures in place in case your employees become infected with the H1N1 virus. But have you considered how your bank’s Intranet can help contain an H1N1 outbreak and keep your staff in the know if key employees are unable to come to work because they have been exposed to the virus? DON'T TAKE THE BAIT - HANDLE YOUR CARD WITH CARE Mary Yelton, Card Services Fraud Manager Independent Bankers of Colorado Independent Report - March 2010 Remember when fishing and skimming were things you did on leisurely weekends at the lake? Unfortunately, these terms no longer refer to stress relievers. They now refer to constantly changing fraud practices that cause stress for you and your customers. And they don’t occur just on weekends at the lake; they occur every day in your bank and in your customers’ homes and businesses. LET YOUR ISP BE YOUR SECURITY NET David Culbertson, Vice President of Research and Business Development Did you know that the number of Trojan viruses targeting banks quadrupled last year, according to F-Secure Internet Security Firm? And did you know that the number of hacking attempts on US banks has risen 81% over the past five years and that the average bank experiences over 1,800 attempted hacking attacks per month, according to SecureWorks Internet Security provider? With so many hackers working feverishly to get into your bank’s network, your bank needs an arsenal of defenses. Your bank needs an Internet Service Provider that offers everything you need to combat hackers and protect your bank and your customers. BANKING ON THE NEXT GENERATION Bob Ezell, Vice President of Product Marketing Colorado Banker - July 2009 Minnesota Banker - October 2009 West Virginia Banker - Fall 2009 Mobile Banking may appeal primarily to a specific niche of your customer base, but it’s a niche you don’t want to overlook. Mobile Banking is a MUST for Generations X and Y – customers that represent significant, long-term growth potential for your bank. INTRANETS - HELPING BANKS GO GREEN Bill Evers, Director of Business Development GreenBankingCentral.com - March 2009 Hoosier Banker - May 2009 Wisconsin Banker - June 2009 No doubt your bank has at least considered – if not implemented – efficiencies such as reducing, reusing and recycling. Perhaps you’ve only thought of these efficiency gains as ways to help the environment. Think again. Going green doesn’t have to be just about saving the planet; going green can also be about helping your bank save money at the same time. SAVE EARLY; SAVE OFTEN Andy Elliott, Senior Vice President of Customer Services Minnesota Banker - July/August 2009 You don’t have to read Suzy Orman’s 2009 Action Plan or attend Dave Ramsey’s Financial Peace University to know that these are tough times for consumers. However, even in the face of diminishing 401(k) plans, skyrocketing unemployment rates and plummeting home values, it seems that Americans have rediscovered savings. PRE-AUTHORIZED ACH DEBITS - STUCK ON YOU Julie Rieke, Vice President of Corporate Communications Looking for a “sticky” product? Pre-authorized ACH debits are the Gorilla Glue of sticky products, and I’m guessing that you’re already offering them to your customers. ECONOMIC WOES NOT ALL BAD FOR COMMUNITY BANKS Andy Elliott, Senior Vice President of Customer Services Independent Bankers of Colorado - February 2009 Wisconsin Banker - February 2009 California Banker - August 2009 The laundry list of reasons explaining this erosion of customer confidence seems obvious. No doubt mergers, bank closings, bankruptcies, and falling stock prices have played a major role, but many consumers report that the way big banks have responded to the crisis has done more to create distress than the crisis itself. In fact, a recent Gallup poll reports that consumer confidence in US banks dropped from 40% in mid-July to 21% in early November. This dramatic decrease represents one of the lowest levels of consumer confidence since Gallup began the poll in April 1979. So where’s the good news in this story? A recent Nielsen survey reported that consumers are so tired of getting the run around from larger banks that one in five respondents said they were likely to move at least some of their money to another bank in the near future. That bank could be your bank. GREEN BANKING IS GOOD BUSINESS Julie Rieke, Vice President of Corporate Communications GreenBankingCentral.com - January 2009 Arkansas Banker - Feburary 2009 Independent Bankers of Colorado - February 2009 BankNews - March 2009 Wisconsin Banker - March 2009 Bankers may question the relevance of the “green movement” to their own bank. Many might agree that it makes sense financially and ethically to promote conservation, but is there such a thing as a green value for bank customers? It turns out that consumers really do care. BANKING TO GO FOR CUSTOMERS ON THE GO David Culbertson, Vice President of Research and Business Development Kansas In Touch - November 2008 Illinois Banker - November 2008 Hoosier Banker - December 2008 Colorado Banker - July/August 2009 According to industry research, the number of cell phones worldwide in 2007 reached 2.7 billion, exceeding the number of televisions and PCs combined. And projections indicate that mobile banking adoption rates have already been on the rise in 2008. In fact, 20% of Americans only own cell phones; they no longer pay for land lines.  Today’s consumers are growing increasingly dependent on cell phones and other mobile devices, and mobile banking allows you to offer your customers user-friendly access to their bank accounts via text messaging and browser-based systems. INVESTING IN YOUR EMPLOYEES - PRICELESS David Hyberger, Vice President of Conversions and Education Services Arkansas Banker - October 2008 Colorado Banker - November/December 2008 There’s no denying that educating employees enhances your bank’s overall level of customer service. Providing education opportunities to employees will, over time, result in improved customer retention and recruitment. While providing employees with education opportunities demands some of your bank’s resources in the short-run, the benefits - to your bottom line - far outweigh the costs in the long-run. PERFORMANCE AND PROFITABILITY MANAGEMENT Bob Ezell, Vice President of Product Marketing Bank Board Letter - June 2008 Arkansas Banker - August 2008 Florida Banker - August 2008 It’s no longer good enough to offer the same products or the same rates as your competition. It’s no longer a good business practice to assume that your “best” customers are your most profitable customers. It’s no longer wise to assume that your customers will remain loyal. It’s no longer responsible to ignore the need for empirical performance and profitability analysis information on which your bank can build strategic plans to ensure your continued success. THE EVOLVING FUTURE OF PAYMENT PROCESSING Jack Schlosser, Regional Sales Manager Michigan Banker - April 2008 Just a few years ago, Check 21 was evolving from an idea to reality. Low cost image scanners were entering the market. Courier costs continued to increase. At that time, virtually every image solution available was designed up to 10 years earlier, some having been built on technologies no longer supported. It became obvious that re-designing old systems to handle the new banking requirements and workflow of distributed capture and image exchange was not going to be very efficient. SOCIAL ENGINEERING: BE AWARE AND BE PREPARED Matt Durbin, Information Security Coordinator CBAI BankNotes - May 2008 Turn on the news, read the newspaper, or pick up any trade publication and you’ll be reminded of the significant threat from stealthy, targeted and financially motivated social engineers who attempt to acquire non-public customer information. If the threat of fraud and identity theft doesn’t scare you, nothing will. LAPTOP ENCRYPTION: PROTECT YOUR DATA AND YOUR REPUTATION David Culbertson, Vice President of Research and Business Development Colorado Banker - March/April 2008 Independent Bankers of Colorado - March 2008 Arkansas Banker - Feburary 2008 (cover story) Hoosier Banker - March 2008 No doubt your information security policy addresses the need to protect confidential customer information, or does it? If you are not specifically addressing the risks associated with your mobile devices, including laptops, one of the biggest risks to your bank still exists. FRAUD PROTECTION: GUARD AGAINST FINANCIAL CRIMES Bob Ezell, Vice President of Product Marketing West Virginia Banker - Spring 2008 Last year banks across America lost $72 million to bank robberies, $500 million to credit card fraud and $12 billion to check fraud, according to the FBI’s Bank Crime Statistics (BCS). More disturbing, however, is the fact that every year approximately $1 trillion in laundered money passes through banks nationwide financing crime, distorting investments and inflating the economy. As the first line of defense for law enforcement officials, banks play an essential role in acting as gatekeepers to the legitimate financial system. CARD FRAUD: MANAGING THE RISK Mary Yelton, Card Services Manager Arkansas Banker - November 2007 Independent Bankers of Colorado - November 2007 Iowa Banking - January 2008 Colorado Banker - November/December 2007 (cover story) Identity theft and card fraud are major concerns. In order to see continued use of card products and retain the income associated with them, your bank must instill confidence in its customers and reassure them that steps have been taken to maintain the high levels of security required. BANKS MOVE BOARD COMMUNICATIONS ONLINE Bill Evers, Director of Business Development Arkansas Banker - January/February 2008 (cover story) MIBA Newsletter - February 2008 The Bank Board Letter - January 2008 Illinois Banker - January 2008 Colorado Banker - January/February 2008 (cover story) Nebraska Banker - March/April 2008 (cover story) An Intranet is a smaller, secure version of the Internet just for your organization that creates a central interface to corporate information. Banks are using this powerful communication tool to not only communicate with staff, but also to provide directors with necessary resources, giving them online access to board materials and even secure ways to collaborate. DISASTER RECOVERY: INTRANETS HELP PREPARE PEOPLE FOR THE WORST Bill Evers, Director of Business Development Nebraska Banker - November/December 2007 Arkansas Banker - September 2007 Kansas Community Banker (In Touch) - August 2007 Bank News - July 2007 Colorado Banker - July/August 2007 Michigan Banker - June 2007 Hoosier Banker - June 2007 West Virginia Banker - Summer 2007 Illinois Banker - June 2007 Missouri Banker - June 2007 Whether you’re faced with a hurricane, loss of a utility, or far more likely, a phishing or virus attack, your ability to respond can have a big impact on how quickly you’re able to recover. And as we all know, a quick recovery is vital to minimize financial loss and customer impact. It is all about getting your business back on track and maintaining your competitive edge. USING YOUR INTRANET TO SELL Bill Evers, Director of Business Development Community Banker of Georgia - June 2008 Missouri Banker - June 2007 Arkansas Banker - January 2007 Colorado Banker - January 2007 Texas Banking - January 2007 MIBA Newsletter - January 2007 Hoosier Banker - December 2006 Illinois Banker - December 2006 An Intranet has become an essential tool for community banks of all sizes, quickly earning the reputation of a fast, secure, inexpensive and reliable way to circulate critical corporate information to staff, with a click of a button. A number of banks have transitioned much of their day-to-day correspondence from email to their Intranets in order to provide controls, audits, and meet compliance guidelines. IMAGING SPIN-OFF CAPTURING ATTENTION Bob Ezell, Vice President of Product Marketing Arkansas Banker - September 2006 Colorado Banker - September 2006 West Virginia Banker - Summer 2006 Independent Bankers of Colorado - July 2006 Texas Bankers Digest - June 2006 CBAI BankNotes - July 2006 MIBA Newsletter - June 2006 Florida Banker - June 2006 Customers using the product can make deposits on a daily basis resulting in improved funds collection and faster notification of returned items. Customers with several locations may even be able to consolidate their banking relationships and minimize fees they are paying to maintain multiple deposit accounts with other banks. HEALTH SAVINGS ACCOUNTS: CHALLENGES. SOLUTIONS. PROFITS? Karen Land, Application Product Marketing Manager Nebraska Banker - March/April 2007 West Virginia Banker - Spring 2007 Iowa Banking - February 2007 MIBA Newsletter - February 2007 Florida Banking - November 2006 Hoosier Banker - May 2006 Kentucky Banker - March 2006 Alliance of Independent Bankers - January/February 2006 Independent Bankers of Colorado - January 2006 Colorado Banker - January/February 2006 Kansas Community Bankers (In Touch) - January 2006 Texas Bankers Digest - December 2005 Kansas Banker - December 2005 There is a health care crisis in this country. Millions of Americans have no health insurance at all, and increasing numbers of employers are hiking deductibles, dramatically reducing coverage or eliminating company-paid health insurance altogether. CARD PROVIDER IS KEY PLAYER IN CHECK CARD SUCCESS Larry Moore, Vice President of Card Services Independent Bankers of Colorado - September 2005 Kansas Community Bankers (In Touch) - September 2005 CBAI BankNotes - September 2005 MIBA Newsletter - August 2005 Hoosier Banker - June 2005 Colorado Banker - June 2005 Kansas Banker - June 2005 Consumers are using check cards billions of times each year: at retail establishments to purchase merchandise, at ATMs to obtain cash, and over the Internet to shop and pay bills. Verifying that your card provider has the tools and the desire to help you build a successful card program is the first step in insuring that you don’t miss out on your share of the check card’s enormous profit potential. SAVVY SHOPPING KEY TO CHOOSING WEB DESIGN, WEB HOSTING TOOL Mike Sherrill, eBusiness Developer Hoosier Banker - March 2006 Arkansas Banker - February 2006 Independent Bankers of Colorado - July 2005 Colorado Banker - July/August 2005 Bank News - June 2005 Missouri Banker - June 2005 West Virginia Banker - Summer 2005 Thankfully, technology is now available that enables community banks to create professional looking websites in-house using a product that bundles website design and secure web hosting into an easily-managed, affordable package. All it takes is some careful shopping. TECHNOLOGY, VIGILANCE GOOD COMBO FOR 314(A) COMPLIANCE Steve Shoulta, Research Analyst Nebraska Banker - July 2005 Independent Bankers of Colorado - May 2005 CBAI BankNotes - May 2005 Alliance of Independent Bankers - April 2005 MIBA Newsletter - April 2005 Community Bankers of Kansas (In Touch) - April 2005 Texas Bankers Digest - March 2005 Hoosier Banker - March 2005 Colorado Banker - March 2005 Kansas Banker - March 2005 There is no doubt that the ability to handle the 314(a) process electronically on the Web will make it easier for financial organizations to meet regulatory requirements. However, in this increasingly critical compliance area, technology is best accompanied by a strong dose of vigilance. This process cannot be allowed to slip through the cracks. INTRANET TECHNOLOGY IN REACH OF SMALL AND MID-SIZED BANKS Bill Evers, Director of Business Development Nebraska Banker - April 2005 Independent Bankers of Colorado - March 2005 Florida Banker - February 2005 Colorado Banker - January/February 2005 Hoosier Banker - December 2004 MIBA Newsletter - December 2004 Missouri Banker - December 2004 . . . all too often a corporate intranet is overlooked by small and mid-sized banks because they believe they cannot justify the expense of the hardware, software and the staff needed to develop, implement and support a robust corporate intranet. Hosted intranet services are quickly filling the gap. PHISHING FOR YOUR PERSONAL INFO: IDENTITY THEFT John A. Williams, Chairman Colorado Banker - November/December 2004 Illinois Banker - November 2004 MIBA Newsletter - October 2004 Independent Bankers of Colorado - October 2004 Kansas Banker - October 2004 Over the past few weeks I have received emails that appeared to be from U.S. Bank; eBay; Citibank; PayPal; and Wells Fargo. All wanted me to update personal information on a web site. The one common denominator in all these emails is that I do not have an account with any of these organizations. All were obviously fraudulent. FDIC ADDRESSES ACHILLES HEEL OF INSTANT MESSAGING David Culbertson, Vice President of Research and Business Development West Virginia Banker - Fall 2004 CBAI BankNotes - November 2004 Kentucky Banker - October 2004 Texas Bankers Digest - October 2004 Hoosier Banker - September 2004 Independent Bankers of Colorado - September 2004 IM’s ability to transmit information at warp speed makes it an especially effective carrier of viruses and worms. Consider that in July 2001, Code Red took 14 hours to ping every unsecured IP address in the world. In January 2003, SQL Slammer took only 20 minutes. Symantec estimates it would take less than three minutes to reach all IM Clients with a similar attack methodology. ELECTRONIC TRANSACTIONS TAKE ROOT, GROW IN RURAL ILLINOIS COMMUNITY Mary Ellen Thomason, Marketing Communications Bank News - March 2004 CBAI BankNotes - March 2004 Colorado Banker - March 2004 Hoosier Banker - March 2004 Independent Bankers of Colorado - March 2004 Fairfield, Illinois, is an unlikely place for electronic banking to take root and grow. And yet more than half of the employees at Fairfield National Bank conduct more than 90% of their transactions electronically. The entire staff is signed up for email statements. Two employees haven’t written a check since November 2002. DEBIT CARDS: INCREASED POPULARITY, INCREASED OPPORTUNITY FOR FRAUD Larry Moore, Vice President of Card Services Iowa Banker - March 2005 In Touch - Nov 2004 Arkansas Banker - Oct 2004 West Virginia Banker - Summer 2004 Independent Bankers of Colorado - May 2004 Texas Bankers Digest - April 2004 Colorado Banker - April 2004 Hoosier Banker - March 2004 In the past, debit card fraud has been a non-issue for small community banks, but lately international card fraud rings have expanded their reach beyond the mega-banks and are targeting any financial institution regardless of size. It is critical that your bank have card risk management procedures in place. CHECK 21: CHANGES. BENEFITS. DECISIONS? Steven A. Powless, President and CEO Kansas Community Bankers (In Touch) - May 2004 CBAI BankNotes - May 2004 MIBA Newsletter - April 2004 Colorado Banker - Feb 2004 Texas Bankers Digest - Dec 2003 Hoosier Banker - Dec 2003 Arkansas Banker - Dec 2003 Illinois Banker - Dec 2003 Independent Bankers of Colorado - Dec 2003 I believe that Check 21 is the first step toward a totally electronic payment system. If this is the case, non-image banks face difficult decisions: Do we become an image bank now or put off the decision until we’re forced to do so? If we image, are we prepared to make the capital investments for expensive hardware and network upgrades or would outsourcing be a better choice? NEW CHALLENGE FOR COMMUNITY BANKS David Culbertson, Vice President of Research and Business Development CBAI BankNotes - March 2004 Bank News - January 2004 Colorado Banker - December 2003 Texas Bankers Digest - November 2003 Hoosier Banker - September 2003 West Virginia Banker - Fall 2003 Information security risk will not go away on its own. Unless you have a staff of proficient technology gurus available round-the-clock who can research and address issues, attend training on a regular basis, and keep your systems updated, armed with an open-ended budget that allows them to acquire the tools they need when they need them, your best bet is to work with information security risk experts to implement solutions. CORPORATE INTRANETS: PAVING THE WAY TO HR'S PAPERLESS FUTURE Beth Riddle, Human Resources Benefits Manager Kentucky Banker - December 2003 Ohio Community Banker - November/December 2003 Iowa Banker - November 2003 Illinois Banker - November 2003 MIBA Newsletter - October 2003 West Virginia Banker - Fall 2003 Colorado Banker - October 2003 Bank News - May 2003 Hoosier Banker - May 2003 Prior to implementing Intranet technologies, I was drowning under mountains of paperwork that sprouted to life when employees were hired and expanded exponentially as they advanced toward retirement. Each piece of benefit information for nearly 700 employees originated in my office. THE CONVENIENCE OF PRE-AUTHOIZED ACH DEBITS John A. Williams, Chairman Colorado Banker - August 2003 CBAI BankNotes - July 2003 West Virginia Banker - Summer 2003 Kentucky Banker - June 2003 Ohio Community Banker - June 2003 MIBA Newsletter - May 2003 Texas Bankers Digest - April 2003 Wyoming Banker - April 2003 Hoosier Banker - March 2003 I believe that banks have at their disposal a great customer convenience tool. The ACH pre-authorized debit is a convenient, efficient bill payment system, mature and proven, that is just waiting to be promoted. OFAC: THE MYTHS, THE REALITY AND YOUR ROLE Leigh Ann Castleman, Product Marketing Manager Ohio Community Banker - December 2002 Illinois Banker - September 2002 CBAI BankNotes - September 2002 Colorado Banker - August 2002 MIBA Newsletter - July 2002 Bankers Digest - June 2002 Bank News - June 2002 Hoosier Banker - June 2002 Since the attacks on our country September 11th, Americans have been looking for ways to help fight the threat terrorism poses to national security. Banks in particular will play a critical role in this new "war." THE REAL POWER OF CHECK IMAGING Stan Eckenberg, Executive Vice President of Marketing and Customer Services Illinois Banker - October 2002 Ohio Community Banker - July/August 2002 West Virginia Banker - Spring 2002 CBAI BankNotes - May 2002 MIBA Newsletter - March 2002 Bank News - December 2001 Texas Banking - March 2002 Hoosier Banker - February 2002 Colorado Banker - February 2002 Texas Bankers Digest - January 2002 Refocusing the way we look at check imaging - moving our focus from the statement process to the customer service experience - and by integrating check imaging into the platform, Internet banking and email is paying big dividends. THE FUTURE OF BANKING TECHNOLOGY Steven A. Powless, President and CEO Ohio Community Banker - April 2002 Illinois Banker - March 2002 Texas Bankers Digest - February 2002 CBAI BankNotes - January 2002 Hoosier Banker - December 2001 Colorado Banker - December 2001 MIBA Newsletter - December 2001 In today's technology world, we have only scratched the surface as to what it means to have a common, universal front door to all the information you want to access . . . regardless of where it is stored. Many companies have plans to write software to run with browsers. CSI is no exception. FULL PACKAGE PRODUCT BEST BET FOR INTERNET ACCESS, EMAIL David Culbertson, Vice President of Research and Business Development CBAI BankNotes - May 2002 Colorado Banker - April 2002 MIBA Newsletter - February 2002 Hoosier Banker - July 2001 Now that the dot com dust is beginning to settle, it's time to step back and assess the cyberspace landscape. Despite the many noted failures, the Internet continues to deliver directly to your bank what is probably the most cost-effective service, communications and public relations channel in history. The Internet has become a major force in our personal and professional lives as well: forever changing the way we communicate and the way we access information. NEW LEGISLATION GIVES CONSUMERS A VOICE Steve Shoulta, Research Analyst Hoosier Banker - April 2001 By now you know that July 1 is a red-letter day for American banking: the date for mandatory compliance with Title V of the Gramm-Leach-Bliley (GLB) Act. The legislation - commonly referred to as "The Privacy Act" - provides the customer the right to determine with whom information about their accounts is shared. INFORMATION PORTAL MOVES COMMUNICATION TO A NEW LEVEL Bill Evers, Director of Business Development Arkansas Banker - May 2002 NIBESA News - August 2001 CBAI BankNotes - July 2001 Texas Bankers Digest - June 2001 Bank News - June 2001 Hoosier Banker - June 2001 Informal surveys reveal that information portal users have experienced productivity gains of from 10 to 30 minutes or more per day per employee. These results clearly support the fact that when you change the way people communicate and access information, you change their ability to perform. THREATS ON THE 'NET & THE TOOLS TO FIGHT THEM David Culbertson, Vice President of Research and Business Development Nebraska Banker - December 2000 Kentucky Banker - September 2000 Hoosier Banker - September 2000 CBAI BankNotes - September 2000 Illinois Banker - September 2000 Bank News - August 2000 Credit Union Executive - August 2000 Even as you read this article, unscrupulous individuals are devising new ways to make your life absolutely miserable. Unless you have safeguards in place, you won't know they're attempting to read your email, prowl your network or sabotage your website until they've done their damage and disappeared. INTRANETS: SOLVING A UNIVERSAL PROBLEM John A. Williams, Chairman New Jersey Banker - Summer 2002 Kentucky Banker - August 2001 Alliance of Independent Bankers - May 2001 Nebraska Banker - December 2000 Illinois Banker - October 2000 Bank Systems + Technology - October 2000 Texas Bankers Digest - October 2000 Bank News - October 2000 CBAI BankNotes - October 2000 Hoosier Banker - October 2000 Kansas Banker - October 2000 Missouri Banker - October 2000 Ohio Banker - October 2000 West Virginia Banker - June 2000 CSI provides a banking level commitment to its Intranet customers: the same security, backup, and round-the-clock service that is provided for its banking applications. THE INTERNET: A GLOBAL ELECTRONIC PRESENCE Steven A. Powless, President and CEO Texas Bankers Digest - August 1999 CBAI BankNotes - August 1999 Illinois Banker - August 1999 MIBA Newsletter - July 1999 West Virginia Banker - July 1999 If your bank does not yet offer Internet-related products, have a Web site, an Intranet or email, and you're concerned that it may be too late, remember: the Internet is changing so rapidly and "newer better" developing so quickly that the present is probably the best time of all.
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