Addressing Disintermediation of Community Banks

Disintermediation is no longer a distant concern for community banks. It is an active competitive reality and 2026 is a pivotal year with the rapid evolution of AI and the Genius Act. Depositors now have more information, more mobility, more digital tools, and more outside options than at any prior point in modern banking. Technology, non-bank competitors, open-banking tools, money market funds, and AI-assisted decision-making are changing how funds move and how relationships are won or lost.  The U.S. Government has a vested interest in the progression of stablecoins. This course is built for senior leaders who want a practical, strategic view of how disintermediation is reshaping community banking. Rather than treating deposit pressure as only a pricing issue, this topic explores the broader forces changing depositor behavior, weakening traditional loyalty, and increasing the need for stronger product design, stronger frontline negotiation, and more intelligent deposit strategy. Participants will gain a clearer framework for understanding the threat, the urgency, and the practical opportunities available to community banks that want to protect funding, deepen relationships, and compete more intelligently.

Topics covered in this course

• Why the old deposit playbook is losing effectiveness
• How depositor behavior is changing because of technology, transparency, and mobility
• The growing role of AI in helping depositors compare, evaluate, and negotiate financial choices
• Competitive pressure from non-bank providers, money market funds, and digital platforms especially stablecoins
• Why legacy approaches are increasingly inadequate
• How product design influences deposit retention, acquisition, and profitability
• The importance of frontline skill, sequencing, and responsiveness in deposit conversations
• Practical ways banks can strengthen growth, retention, and margin at the same time
• Strategic implications for executives responsible for funding, profitability, and long-term franchise value

Who Should Attend

• CEOs and Presidents responsible for strategic direction and franchise relevance
• CFOs, Treasurers, and ALCO leaders managing funding costs, liquidity, and pricing discipline
• Chief Retail Banking Officers and deposit leaders responsible for growth and retention
• Chief Lending Officers and business line executives concerned with total relationship value
• Chief Risk Officers and senior risk leaders monitoring emerging competitive and behavioral threats
• Chief Marketing Officers and growth leaders seeking stronger relevance with savers
• Board Members who want a clearer understanding of how deposit competition is evolving
• Senior managers responsible for branch leadership, sales effectiveness, and customer strategy

*This course does NOT qualify, nor meet the National Standard for NASBA accreditation.