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Bank tech trends can make your head spin. So each week longtime Tech Exchange Editor John Ginovsky does his best to “make sense of it all.”

“IoV”: Internet of Value

New protocol could usher in real-time payments
With a nod to pop music, veteran John Byrne’s blog scans the anti-laundering and anti-terrorism world. John pierces silliness and inconsistency, and strongly believes in private-public partnership.

“Runnin' Down a Dream”*

Federal judge addresses BSA/AML practice improvements
Obvious and mediocre won’t be found here—but “Why didn’t I think of that?” will! Challenging the banking status quo is Dan “The Wombat” Fisher’s personal mission.

“There’s a bridge in Brooklyn …”

Read the contract—really read it—before you sign it!
Bank tech trends can make your head spin. So each week longtime Tech Exchange Editor John Ginovsky does his best to “make sense of it all.”

Going digital—really digital

Dive in! Because an app just to have an app doesn’t cut it
You can’t pay a good person too much

You can’t pay a good person too much

But shareholders are only one set of stakeholders
When a shareholder wants to sell…

When a shareholder wants to sell…

How do you accommodate them when you’re barely traded?
The Gen Z Effect: The Six Forces Shaping The Future Of Business. By Tom Koulopoulos and Dan Keldsen. Bibliomotion. 230 pp.

Time to ditch generational thinking?

Book Review: "Gen Z Effect" means technology's erasing generational lines faster than you know
No app can do what you do—in person

No app can do what you do—in person

Business lenders visiting customers and prospects live means more than Facetime or Skype or email
Blogger Jeff Gerrish, a leading banking attorney and consultant, sees a bright future for community banks. Do you agree? Or is Gerrish dead wrong? Share your thoughts in the comment section below this blog.

Ignore defeatist talk, community bankers

Your future is brighter than experts say
Scourge of human trafficking continues, as detailed in a new federal report that also reviews the battle waged against it by both the public and private sectors. This detail from the new federal report's cover underscores the global nature of "modern slavery."

“I’ve Seen All Good People”*

Much work fighting human trafficking goes on—here’s to continued success, despite odds
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WEBINAR:
Your Deposits Are Going Digital

Thursday, October 8, 2026 1:00 pm – 2:00 pm ET

What community and regional banks need to understand about tokenized deposits, stablecoins, and the regulatory framework taking shape right now.

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SPEAKER

Dana Weinstein
Dana Weinstein,
Head of Product at Tesser

Dana Weinstein is Head of Product at Tesser, bringing eight years of experience building payments products across US domestic and cross-border rails.

She launched Visa Direct Payouts, architecting a payout capability that now reaches 11 billion endpoints across cards, accounts, and digital wallets...