Independent Banker - October 2022 - 34

PORTFOLIO
access to proprietary software
solutions, thus enabling " plug and
play " applications that provide added
value to banks and their customers.
It's those customers that are
driving the charge. " Until recently,
banks expected customers to choose
from a few basic retail and business
products, " McKinsey & Company
points out in a 2022 study. " Now,
however, retail and corporate banking
customers alike are placing more
importance on banks' ability to
personalize by making small changes
... or off ering new products. "
Timberland Bank in Hoquiam,
Wash., is a good example of this. The
$1.9 billion-asset community bank
replaced its existing core processing
system three and a half years ago
and is now using the Banno Digital
◎FOCUS TECHNOLOGY
The evolution
of the core
Application programming interfaces enable community banks to improve
and upgrade elements of their core architectures without extensive and
costly system overhauls. Banks and core processing providers are now
leveraging and integrating APIs to modernize services. By Bridget McCrea
Platform from Jack Henry Banking.
" We wanted to align ourselves with
a provider that had open APIs and
was interested in working with third
parties, " says Jonathan Fischer,
executive vice president and chief
operating offi cer.
cross most industry sectors,
organizations are rethinking
their existing technology
infrastructures and the monolithic,
on-premises software solutions that
they've relied on for years or even
decades. They want software that's
hosted in the cloud, paid for on a
subscription basis and easier to
A
integrate with outside systems- and
community banks are no exception.
Using open application
programming interfaces (APIs), banks
can add modern functionalities to
their existing systems without having
to completely replace their core
solutions. These publicly available
APIs give developers programmatic
Last year, the bank integrated both
the Autobooks fi nancial management
application and the Array suite of
credit and identity protection tools
into its core system. Fischer says
these off erings give Timberland Bank
a new way to level the playing fi eld
with its larger competitors. " Having
that technology gives our customers a
reason to stick with us, " says Fischer.
" In a sense, we're still a 'mom and
pop' community bank, so we're
here to talk to and work with our
customers one-on-one. Now, we also
have the technology and tools that
help us compete more eff ectively for
their business. "
Digital transformation is on
everyone's mind these days as
organizations look for ways to infuse
more technology and automation into
their operations. As trusted fi nancial
32 Q ICBA Independent Banker Q October 2022

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
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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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