Independent Banker - January 2025 - 43

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mitigation software, online chat, enhanced mobile banking,
remote deposit capture, Apple Pay and Google Pay, and electronic
signature and payments software.
Biggest business
challenge in 2025
Security First Bank of North Dakota is rebuilding its intranet
to improve internal communication. " This will make it easier
to share news about employees' achievements and recognize
birthdays and anniversaries, " says Getzlaff. The intranet will
also be a central location where employees can access all forms
and documents.
On the customer side of things, Conway Bank plans to provide
instant debit card issuance. " A lot of our competitors offered this, but
we didn't, " says Rottinghaus. " It will increase customer convenience
and help reduce fraud. Without it, customers have to wait two or
three days to have a card replaced, which is very inconvenient. We
can now replace a customer's card in an hour or so. "
Several CEOs said their banks planned to forge a fintech
partnership in 2025. This includes Andy Johnson, chairman,
co-CEO and CFO of $361 million-asset Bank of Vernon in
Vernon, Ala.
" We are utilizing our long-term relationship with Jack Henry
to roll out a new mobile banking app, online banking platform
and updated website, " he says. " We spent a year planning the
rollout, and this is the year of implementation. " The bank has also
installed new ATMs that accept cash and check deposits.
According to Johnson,
Bank of Vernon's new
website improved
responsiveness and
customer satisfaction.
The community bank
retained a third party for
the planning, negotiation
and implementation phases
to make sure everything
stayed on track and the
bank's goals were met as it
experience. "
-ANDY JOHNSON,
BANK OF VERNON
updated its systems.
" With some previous
installations, we found that
even small projects can
get bogged down and fall
behind, " says Johnson.
He is excited about how
improved efficiencies and
digital-friendly systems will
improve Bank of Vernon's
performance in 2025. " Our
efforts to improve internal
and customer-facing
systems while reducing
touches in our workflows
should improve our overall
numbers, " he says. " More
importantly, I believe these
GROWING DEPOSITS
2022
2025
INCREASING LOANS
2022
2025
" I believe [efforts
to improve internal
and customer-facing
systems] will result
in higher customer
satisfaction along
with a more efficient
and happier employee

Independent Banker - January 2025

Table of Contents for the Digital Edition of Independent Banker - January 2025

Contents
Independent Banker - January 2025 - Cover1
Independent Banker - January 2025 - Cover2
Independent Banker - January 2025 - Contents
Independent Banker - January 2025 - 2
Independent Banker - January 2025 - 3
Independent Banker - January 2025 - 4
Independent Banker - January 2025 - 5
Independent Banker - January 2025 - 6
Independent Banker - January 2025 - 7
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Independent Banker - January 2025 - Cover3
Independent Banker - January 2025 - Cover4
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