JANUARY 2023 5 Flourish 7 From the Top IN EVERY ISSUE CURRENCIES Media Memo: Brush up on your policy History Lesson: Martha Washington's invaluable dollar The Ledger: Economic predictions for 2023 Defining Finance: What is wealthtech? 14 30 PORTFOLIO 16 5 payments trends you should know about How community banks can respond to 2023's payments environment 19 Leadership at All Levels Book recommendations from ICBA 20 Power skills and how to cultivate them The value of interpersonal skills CONNECTIONS 68 58 Trailblazer Union Savings Bank launched an AI solution to boost its customers' financial wellbeing 66 Listen Up A sneak peek of episode 1 of the Independent Banker podcast, featuring Eric Sprink of Coastal Community Bank 62 Community Spirit First Reliance Bank's adoptionfriendly benefits 64 Member Benefits Elder financial abuse resources 68 Out of Office Adrianne Brignac-Gradney's beauty and lifestyle content Connect with ICBA @icba facebook.com/icbaorg linkedin.com/company/icba youtube.com/user/ communitybankchannel @banklocally @myicba 22 Compliance changes to watch in 2023 Prepare for possible changes ahead 24 Innovation Station Technology trends to look out for in the new year 26 Artificial ideation? How AI can assist marketing teams with their ideation and writing 28 Portfolio Management Charlie Brown is back to ask about strategies for the year ahead 30 How should lending practices change during a recession? Seasoned lenders discuss how to maintain solid risk management in the face of a possible recession 34 Checks & Balances The importance of reaching out to new members of Congress 2 // ICBA Independent Banker // January 2023http://www.youtube.com/user/ http://www.facebook.com/icbaorg http://www.linkedin.com/company/icba