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Online EducationCompliance AllianceABA Banking Journal: ABA offers recommendations for improving third-party supervisionJanuary 27, 2026
The firm surveyed executives at banks and credit unions with less than $10 billion in assets about their business and technology plans in 2026. More than four in five respondents (85%) said they are optimistic about the future of community banking, while most (92%) said their institutions are growing their customer base. At the same time, 91% believe bank branches will continue to be relevant for the next 10 years, up from 86% last year. AI was cited as the issue most likely to matter most to community institutions in 2026, followed by cybersecurity and data privacy. Half of respondents also named AI the top technology trend, but 20% cited cryptocurrencies and other digital assets as the top trend. Asked about the biggest obstacles to expanding their institutions’ commercial portfolios, the top answers included technology limitations or integration gaps, competition from fintech or alternative lenders, and regulatory uncertainty or compliance burdens. Back to TopABA Banking Journal: Zelle releases 2025 growth numbersJanuary 28, 2026
ABA Banking Journal: Survey: AI, cybersecurity top priorities to community banks in 2026January 28, 2026
The firm surveyed executives at banks and credit unions with less than $10 billion in assets about their business and technology plans in 2026. More than four in five respondents (85%) said they are optimistic about the future of community banking, while most (92%) said their institutions are growing their customer base. At the same time, 91% believe bank branches will continue to be relevant for the next 10 years, up from 86% last year. AI was cited as the issue most likely to matter most to community institutions in 2026, followed by cybersecurity and data privacy. Half of respondents also named AI the top technology trend, but 20% cited cryptocurrencies and other digital assets as the top trend. Asked about the biggest obstacles to expanding their institutions’ commercial portfolios, the top answers included technology limitations or integration gaps, competition from fintech or alternative lenders, and regulatory uncertainty or compliance burdens. Back to TopABA Banking Journal: The wealth transfer challenge: Better communication means less stress between generations
These and other challenges emerge from Fidelity Investments’ recent Family & Finance Study, revealing persistent communications barriers across generations. Issues wealth managers can play important roles in mitigating. “As people get older – especially past 70 – they often become less willing to talk about things like estate planning, long-term care or how their family can be involved in planning and decision-making,” said Timothy Habbershon, managing director and founder of the Fidelity Center for Family Engagement. “But with trillions of dollars preparing to change hands, there are millions of families going through generational transitions. This is a unique opportunity to start planning conversations that can create confidence, closeness and peace of mind for years to come.” The study reveals that 70% of parents have created a will or estate plan. But 68% have yet to share inheritance details with their children – details that may include not just money, but also real estate, family businesses or other valuable assets. Topics often requiring more detailed conversations, which can align expectations, reducing present and future stress. The study notes that when families engage in open dialogue, confidence and preparedness rise significantly. Wealth advisors can play positive roles in the process, sharing expertise and information that can bridge generational divides. “The advisor can sometimes be the buffer for difficult situations,” said Mark Benskin, VP for wealth management at American Bankers Association. “Other times, the financial advisor is the messenger or needs to educate, facilitate and use planning as a tool to illustrate and describe what success looks like in the transition from Gen 1 to Gen 2.” The study shows that spouses are talking significantly more to each other about financial issues than to their children. For older baby boomers (over age 69), the gap is greatest for talking about managing ongoing health and care. For younger baby boomers, the largest gap is around wealth transfer. The objective is not just to smooth the transfer but to avoid serious conflict on the way. “There is also the situation that I saw at an alarming rate during the beginning of the Great Recession and well after: Many children who know the extent of wealth held by the parents begin feeling entitled to it,” Benskin added. “One child and then all the children start making demands on dividing up property, well before mom and dad have passed.” The study underscores that parents who are actively talking with their children are more likely to have confidence that their plans will be carried out seamlessly and to believe their planning will create closeness in the family. The study advises starting conversations early – even small steps such as talking about values or financial literacy can build momentum to more-detailed discussions. The parent sample was designed to reflect all U.S. parents age 55 or older with at least $500,000 in investable assets and who have adult children ages 25 to 54. The adult child sample was designed to reflect a matched sample of all U.S. adults age 25 to 54 who have a living parent age 55 or older with at least $500,000 in investable assets. Back to TopCISA News: Zero TrustZero trust architecture dynamically secures users, devices, and resources, moving beyond static perimeter defenses.IT environments require robust defenses to reduce risk to the cyber and physical infrastructure Americans rely on every day. Driving zero trust (ZT) progress is an important part of CISA's mission of operational collaboration and information sharing. Adopting ZT principles addresses many of the challenges of the dynamic threat landscape. Specifically, ZT improves visibility, enabling organizations to detect and understand threats more effectively. ZT also facilitates orchestration and automation, allowing for rapid and coordinated threat response. What Zero Trust Means for CybersecurityZT principles assume the entire network is compromised. That point of view provides a collection of concepts and ideas designed to minimize uncertainty by enforcing precise, least privilege per-request access decisions within information systems and services. The goal is to prevent unauthorized access to data and services and make access control enforcement as granular as possible. ZT presents a shift from a location-centric to a data-centric adaptive approach for fine-grained security controls between users, systems, data, and assets that change over time. Building Zero Trust CapacitySince the release of CISA's Zero Trust Maturity Model version 1.0 in September 2021, the agency has been working to accelerate adoption of ZT across the federal enterprise. CISA collaborates with government, commercial, and private sector partners—including global security leaders—to understand key ZT implementation roadblocks and to develop strategies and solutions to address these challenges. Back to Top |
Artificial intelligence remains a top priority for community financial institutions in 2026, with cybersecurity and digital assets also areas of focus, according to 
Artificial intelligence remains a top priority for community financial institutions in 2026, with cybersecurity and digital assets also areas of focus, according to 
More than half of parents have not discussed their net worth with their children. And while 95% of adult children say they are ready to manage inherited wealth, one-quarter of parents disagree.
