Independent Banker - October 2022 - 11

HISTORY LESSON
BANKER'S HOURS
BY CHRISTOPHER WEYANT
From Creeper to
Reaper, the birth
of cybersecurity
Back in the early days of
computer programming,
researcher Bob Thomas proved
what would soon become a triedand-true
rule for the burgeoning
field: There will always
be hackers.
In 1971, Thomas created
Creeper, a program that could
seamlessly move across the
Advanced Research Projects
Agency Network (ARPANET),
leaving a breadcrumb trail in its
path. It didn't harm any data,
but it did send out this message:
" I'M THE CREEPER. CATCH ME IF
YOU CAN! "
Of course, there's a corollary to
that rule: There also will always
be people working to thwart
those hackers. In 1972, Raymond
Tomlinson invented Reaper, the
first antivirus software program.
It chased down and deleted
Creeper wherever it appeared.
These days, community banks
rely on cybersecurity that's
light-years ahead of those early
" cyber wars " of the '70s, but the
development of all those layers of
knowledge and protection began
with Creeper and Reaper, more
than 50 years ago. -Julie Kendrick
" I always wanted a deep, meaningful relationship that supported
my needs. I just never thought it would be with my bank. "
DEFINING FINANCE
Biometrics
noun [by-uh-meh-triks]
Many community banks use fingerprint
mapping, retinal scanning or voice
recognition to authenticate customers-
all of which fall under the category
of biometrics.
Biometric technology uses biological
measurements of physical characteristics
to identify individuals. Examples include
face ID, fingerprint scanning and
palm scanning.
Owing to the rise in cyber fraud,
biometrics are perceived as more secure
than traditional PIN-based authentication.
According to a recent study by software
company TietoEvry and biometric fintech
Zwipe, 59% of consumers said they would
pay an additional monthly fee if their bank
began offering biometric payment options.
23%
The United States'
share in the global
biometrics market
Source: Biometrics for Banking
and Financial Services-Global
Market Trajectory & Analytics
QUICK STAT
independentbanker.org Q 11
Photo: Bettmann/Getty Images

http://www.independentbanker.org

Independent Banker - October 2022

Table of Contents for the Digital Edition of Independent Banker - October 2022

Table of Contents
Independent Banker - October 2022 - Intro
Independent Banker - October 2022 - Cover1
Independent Banker - October 2022 - Cover2
Independent Banker - October 2022 - Table of Contents
Independent Banker - October 2022 - 2
Independent Banker - October 2022 - 3
Independent Banker - October 2022 - 4
Independent Banker - October 2022 - 5
Independent Banker - October 2022 - 6
Independent Banker - October 2022 - 7
Independent Banker - October 2022 - 8
Independent Banker - October 2022 - 9
Independent Banker - October 2022 - 10
Independent Banker - October 2022 - 11
Independent Banker - October 2022 - 12
Independent Banker - October 2022 - 13
Independent Banker - October 2022 - 14
Independent Banker - October 2022 - 15
Independent Banker - October 2022 - 16
Independent Banker - October 2022 - 17
Independent Banker - October 2022 - 18
Independent Banker - October 2022 - 19
Independent Banker - October 2022 - 20
Independent Banker - October 2022 - 21
Independent Banker - October 2022 - 22
Independent Banker - October 2022 - 23
Independent Banker - October 2022 - 24
Independent Banker - October 2022 - 25
Independent Banker - October 2022 - 26
Independent Banker - October 2022 - 27
Independent Banker - October 2022 - 28
Independent Banker - October 2022 - 29
Independent Banker - October 2022 - 30
Independent Banker - October 2022 - 31
Independent Banker - October 2022 - 32
Independent Banker - October 2022 - 33
Independent Banker - October 2022 - 34
Independent Banker - October 2022 - 35
Independent Banker - October 2022 - 36
Independent Banker - October 2022 - 37
Independent Banker - October 2022 - 38
Independent Banker - October 2022 - 39
Independent Banker - October 2022 - 40
Independent Banker - October 2022 - 41
Independent Banker - October 2022 - 42
Independent Banker - October 2022 - 43
Independent Banker - October 2022 - 44
Independent Banker - October 2022 - 45
Independent Banker - October 2022 - 46
Independent Banker - October 2022 - 47
Independent Banker - October 2022 - 48
Independent Banker - October 2022 - 49
Independent Banker - October 2022 - 50
Independent Banker - October 2022 - 51
Independent Banker - October 2022 - 52
Independent Banker - October 2022 - 53
Independent Banker - October 2022 - 54
Independent Banker - October 2022 - 55
Independent Banker - October 2022 - 56
Independent Banker - October 2022 - 57
Independent Banker - October 2022 - 58
Independent Banker - October 2022 - 59
Independent Banker - October 2022 - 60
Independent Banker - October 2022 - 61
Independent Banker - October 2022 - 62
Independent Banker - October 2022 - 63
Independent Banker - October 2022 - 64
Independent Banker - October 2022 - 65
Independent Banker - October 2022 - 66
Independent Banker - October 2022 - 67
Independent Banker - October 2022 - 68
Independent Banker - October 2022 - 69
Independent Banker - October 2022 - 70
Independent Banker - October 2022 - 71
Independent Banker - October 2022 - 72
Independent Banker - October 2022 - 73
Independent Banker - October 2022 - 74
Independent Banker - October 2022 - 75
Independent Banker - October 2022 - 76
Independent Banker - October 2022 - 77
Independent Banker - October 2022 - 78
Independent Banker - October 2022 - Cover3
Independent Banker - October 2022 - Cover4
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