Independent Banker - October 2018 - 22

PORTFOLIO
Innovation Station
By Kevin Tweddle, ICBA
Separating hype from value
W
hen speaking with bankers about emerging
technologies, I hear a wide range of
opinions and convictions towards them. Let's discuss
a few of these up-and-coming technologies to
help separate the hype from something that could
be of true value to community bankers.
1. Blockchain
Known as the platform on which cryptocurrency
What's trending in Google search?
Artificial intelligence
83 41
Average value
100
80
60
40
20
9/17/2017
1/21/2018
Interest over time
Source: Google Trends
is based, blockchain is likely the single most
hyped technology in history. While it shows
promise, proponents have failed to develop live
use cases that are readily available to banks.
If you can get beyond its speed, scalability, privacy
and complexity defi ciencies, however, I
believe there are opportunities for successful
deployment. Potential application areas include
identity authentication, smart contracts, lending
workfl ow and title insurance.
This is one technology
where community banks
shouldn't lose sleep and can
wait until relevant use cases
are developed.
Blockchain
Kevin Tweddle
5/27/2018
9/9/2018
2. AI and machine learning
As opposed to blockchain,
artifi cial intelligence
(AI) and machine learning
appear to be gaining
momentum. As evidenced
22 Q ICBA Independent Banker Q October 2018
(kevin.tweddle@
icba.org) is
ICBA's group
executive vice
president,
innovation
and financial
technology
Value

Independent Banker - October 2018

Table of Contents for the Digital Edition of Independent Banker - October 2018

Table of Contents
Independent Banker - October 2018 - Intro
Independent Banker - October 2018 - Cover1
Independent Banker - October 2018 - Cover2
Independent Banker - October 2018 - Table of Contents
Independent Banker - October 2018 - 2
Independent Banker - October 2018 - 3
Independent Banker - October 2018 - 4
Independent Banker - October 2018 - 5
Independent Banker - October 2018 - 6
Independent Banker - October 2018 - 7
Independent Banker - October 2018 - 8
Independent Banker - October 2018 - 9
Independent Banker - October 2018 - 10
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Independent Banker - October 2018 - 12
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Independent Banker - October 2018 - 16
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Independent Banker - October 2018 - 18
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Independent Banker - October 2018 - 37
Independent Banker - October 2018 - 38
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Independent Banker - October 2018 - 40
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Independent Banker - October 2018 - 42
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Independent Banker - October 2018 - 49
Independent Banker - October 2018 - 50
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Independent Banker - October 2018 - 80
Independent Banker - October 2018 - Cover3
Independent Banker - October 2018 - Cover4
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