Independent Banker - April 2017 - 75

WHAT'S IN BANKING'S FUTURE?
One of these is stronger security.
Since mobile wallets use tokenization,
the customer's card details are
never passed to the merchant.
" Instead, a one-time-use card
number [or token] is utilized during
the transaction, protecting the card
details, " Carter says. " In our current
environment, where we regularly
see merchant compromises, this is
a signifi cant feature. " (See " What is
tokenization? " ) Mobile wallets used
on smartphones with fi ngerprint
readers can also harness biometric
security, which Carter says is " far
superior to a standard debit card. "
While mobile wallet may, in fact,
offer better transactional security,
community banks that offer it are still
on the front line of schooling customers
and even their own employees. JD
Bank in Jennings, La., offers all three
" The largest barrier
to adoption at this
point is merchant
participation. "
-CARRIEANNE CORMIER,
AVIDIA BANK
Pays to its customers, says Ann Barilleaux,
vice president and marketing
director of the $860 million-asset
bank. " How the mobile wallet works
and tokenization can be a little
bit confusing, so there were some
misperceptions of the security for
transactions, " she says. JD Bank
educated employees and customers
through branch brochures and videos
on its website.
" With the increasing technology
maturity of our customers, they
expect the latest and greatest services
available, " says Carter. " Convenience
is one of the primary factors in selecting
a fi nancial institution. Offering
mobile wallets is another mechanism
to increase customer satisfaction and
strengthen relationships. "
Karen Epper Hoffman is a fi nancial
writer in Washington state.
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Independent Banker - April 2017

Table of Contents for the Digital Edition of Independent Banker - April 2017

Table of Contents
Independent Banker - April 2017 - Intro
Independent Banker - April 2017 - Cover1
Independent Banker - April 2017 - Cover2
Independent Banker - April 2017 - Table of Contents
Independent Banker - April 2017 - 2
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Independent Banker - April 2017 - Cover3
Independent Banker - April 2017 - Cover4
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