JULY 2023 5 Flourish 7 From the Top IN EVERY ISSUE CURRENCIES ¡ Photo News: Painting the town pink for charity ¡ Defining Finance: What is agetech? ¡ Media Memo: Learning through conversation ¡ The Ledger: How Americans bank-or don't ¡ History Lesson: Turning nickels into dollars 22 PORTFOLIO 18 FedNow is not a payments app. Here's why The difference in use cases for FedNow versus PayPal or Zelle 22 Innovation Station The myth, lure and reality of AI 24 Better protection for ATMs How can community banks protect themselves against ATM theft? 80 CONNECTIONS 70 Trailblazer First Independence Bank is pursuing social change as Minnesota's first Black-owned bank. 74 Community Spirit Tompkins Community Bank has funded and supported youth programs for more than 20 years. 76 Listen Up The power of people during technological transformation 78 Bulletin Board The ICBA Capital Summit 2023 in pictures 80 Out of Office Dick Behl of Farmers & Merchants State Bank has a " second career " as a diving instructor. 26 Leadership at All Levels 5 workplace skills to master early in your career 28 Computer-security incident notifications A primer on the OCC's final rule Connect with ICBA @icba facebook.com/icbaorg linkedin.com/company/icba youtube.com/user/ communitybankchannel @banklocally @myicba 30 Banking on cannabis compliance Community banks explain their compliance systems when banking cannabis-related businesses. 34 Portfolio Management The benefits of utilizing a barbell structure 36 Checks & Balances How ICBA fought to keep community banks from footing the bill for SVB's failure 10 2 // ICBA Independent Banker // July 2023http://www.youtube.com/user/communitybankchannel http://www.youtube.com/user/communitybankchannel http://www.facebook.com/icbaorg http://www.linkedin.com/company/icba