2025-2026 Pub. 15 Issue 2

Today’s competitive environment demands more than static messaging.

In a market where deposit competition is fierce and industry turmoil has placed an increased emphasis on safety, one of the best ways to proactively reassure your most valued customers could be joining a reciprocal deposit network.

The sixth annual Sophos State of Ransomware report provides fresh insights into the factors that led organizations to fall victim to ransomware and the human and business impacts of an attack.

AI is no longer a future-facing technology — it’s a present-day differentiator. Across banking, AI is reshaping how financial institutions operate, compete and deliver value.

Cindy Deckerd Vice President, Treasury Management Sales Vectra Bank How did you get started in the banking industry? In my senior year, through the work study program at my high school, I was hired as a receptionist in the HR department of the Central Bank of Denver. I was very fortunate to have such a

Risks are inherent to the business of lending and protections, like credit reporting, income verification, appraisals and others, are in place to help mitigate risks.

Major technology providers, including Microsoft, Google and Apple, are shepherding a new standard of user authentication: passwordless authentication — a security method for validating a user’s identity without using a password. This group of methods, including biometrics, passkeys, security keys and out-of-band authentication (such as via SMS or email), offers a more secure, efficient approach than conventional authentication methods.

Retaining talent is one of the greatest challenges bankers face, along with adapting to their executive compensation plans in this changing economy.