October 21, 2025

Payment fraud is escalating at an alarming pace — affecting consumers, businesses and financial institutions across every payment channel. While there’s no single definition, this Request for Information (RFI) defines payments fraud broadly as the use of deception or manipulation to make or receive payments for personal gain — including scams, which now account for a growing share of reported losses.

So starts the article in The Financial Brand, titled: “Why Indecision May Be Banking’s No. 1 Problem, and How to Defeat It,” and as is often the case, I couldn’t agree more. I can say this with certainty because I’ve experienced it often, working with community bank leaders on leveraging technology.

Multi-collateralized loans have gained traction in recent years as an attractive financing option for borrowers. By pledging multiple assets as security, borrowers can access larger loan amounts or secure more favorable terms than they might with a single-collateral loan.

Deposit flows aren’t just a reflection of customer preferences; they also drive profitability, financial stability and lending capacity.

Karissa Becklund Chief Credit OfficerHigh Plains Bank How did you get started in the banking industry?  While in college in North Dakota, I started as a teller. During that time, I also went through a summer internship at the bank that truly set my career path. I spent time in five different departments, ultimately discovering

The regulatory environment for financial institutions is complex and constantly changing.

The concept of unlimited paid time off (UPTO) has been a topic of discussion in workplace conversations since the early 2000s.