NOVEMBERőî CURRENCIES The Fed throws its weight behind faster payments Q Frederick County Bank's tech event Q Good Reads: The sad tale of Enron's downfall Q History Lesson: All about the gold standard Q The Ledger: Online security overkill? Q Virginia's banking landscape PORTFOLIO 18 15 ways to boost your mobile banking UX Bells and whistles count for nothing if it's not easy to use 12 21 Innovation Station Couldn't make it to Finovate? ICBA's Kevin Tweddle recaps it for you 22 Not if, but when Chances are a breach will happen at your bank. Here's how to prepare IN EVERY ISSUE 7 Flourish 9 From the Top 84 Out of Office 84 24 Small-ball compliance Daily diligence helps your bank avoid regulatory reprimands 26 Leading by Example ICBA's Chris Lorence says body language can indicate leadership 28 5 tips for better meetings Meetings should be more than a necessary evil 30 The automated lending advantage How this tech saves time-for your loan officers and their borrowers 32 Why education is the key to digital banking security Give your customers the tools to protect themselves online 36 Portfolio Management ICBA's Jim Reber translates investment lingo 72 38 Strong signals Could rural broadcasters become a new lending niche for your bank? 40 Checks & Balances ICBA's Courtney Schoenborn and Joshua Habursky prep you for election season Connect with ICBA facebook.com/icbaorg @icba linkedin.com/company/icba youtube.com/user/ communitybankchannel 76 CONNECTIONS 72 Trailblazer NBKC Bank partnered with Fountain City Fintech to bring fintech power to Kansas City 76 Community Spirit Bank of Stockton CEO Douglass Eberhardt on his belief in hands-on investment experience 80 Call to Action A behind-the-scenes look at how S.2155 became a reality for community bankers 2 Q ICBA Independent Banker Q November 2018http://www.facebook.com/icbaorg http://www.linkedin.com/company/icba http://www.youtube.com/user/