{"product_id":"addressing-disintermediation-of-community-banks","title":"Addressing Disintermediation of Community Banks","description":"\u003cp class=\"x_MsoNormal\" data-olk-copy-source=\"MessageBody\"\u003eDisintermediation 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.\u003c\/p\u003e\n\u003cp class=\"x_MsoNormal\"\u003e\u003cb\u003e\u003cu\u003eTopics covered in this course\u003c\/u\u003e\u003c\/b\u003e\u003c\/p\u003e\n\u003cul type=\"disc\"\u003e\n\u003cli class=\"x_MsoNormal\"\u003eWhy the old deposit playbook is losing effectiveness\u003c\/li\u003e\n\u003cli class=\"x_MsoNormal\"\u003eHow depositor behavior is changing because of technology, transparency, and mobility\u003c\/li\u003e\n\u003cli class=\"x_MsoNormal\"\u003eThe growing role of AI in helping depositors compare, evaluate, and negotiate financial choices\u003c\/li\u003e\n\u003cli class=\"x_MsoNormal\"\u003eCompetitive pressure from non-bank providers, money market funds, and digital platforms especially stablecoins\u003c\/li\u003e\n\u003cli class=\"x_MsoNormal\"\u003eWhy legacy approaches are increasingly inadequate\u003c\/li\u003e\n\u003cli class=\"x_MsoNormal\"\u003eHow product design influences deposit retention, acquisition, and profitability\u003c\/li\u003e\n\u003cli class=\"x_MsoNormal\"\u003eThe importance of frontline skill, sequencing, and responsiveness in deposit conversations\u003c\/li\u003e\n\u003cli class=\"x_MsoNormal\"\u003ePractical ways banks can strengthen growth, retention, and margin at the same time\u003c\/li\u003e\n\u003cli class=\"x_MsoNormal\"\u003eStrategic implications for executives responsible for funding, profitability, and long-term franchise value\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp class=\"x_MsoNormal\"\u003e\u003cb\u003e\u003cu\u003eWho Should Attend\u003c\/u\u003e\u003c\/b\u003e\u003c\/p\u003e\n\u003cul type=\"disc\"\u003e\n\u003cli class=\"x_MsoNoSpacing\"\u003eCEOs and Presidents responsible for strategic direction and franchise relevance\u003c\/li\u003e\n\u003cli class=\"x_MsoNoSpacing\"\u003eCFOs, Treasurers, and ALCO leaders managing funding costs, liquidity, and pricing discipline\u003c\/li\u003e\n\u003cli class=\"x_MsoNoSpacing\"\u003eChief Retail Banking Officers and deposit leaders responsible for growth and retention\u003c\/li\u003e\n\u003cli class=\"x_MsoNoSpacing\"\u003eChief Lending Officers and business line executives concerned with total relationship value\u003c\/li\u003e\n\u003cli class=\"x_MsoNoSpacing\"\u003eChief Risk Officers and senior risk leaders monitoring emerging competitive and behavioral threats\u003c\/li\u003e\n\u003cli class=\"x_MsoNoSpacing\"\u003eChief Marketing Officers and growth leaders seeking stronger relevance with savers\u003c\/li\u003e\n\u003cli class=\"x_MsoNoSpacing\"\u003eBoard Members who want a clearer understanding of how deposit competition is evolving\u003c\/li\u003e\n\u003cli class=\"x_MsoNoSpacing\"\u003eSenior managers responsible for branch leadership, sales effectiveness, and customer strategy\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e \u003c\/p\u003e\n\u003cp\u003e*\u003cmeta charset=\"utf-8\"\u003e\u003cspan data-contrast=\"auto\" lang=\"EN-US\" class=\"TextRun SCXW200189763 BCX0\"\u003e\u003cspan class=\"NormalTextRun SCXW200189763 BCX0\"\u003eThis\u003cspan\u003e \u003c\/span\u003e\u003c\/span\u003e\u003cspan class=\"NormalTextRun SCXW200189763 BCX0\"\u003ecourse\u003cspan\u003e \u003c\/span\u003e\u003c\/span\u003e\u003cspan class=\"NormalTextRun SCXW200189763 BCX0\"\u003edoes NOT qualify, nor meet the National Standard for NASBA accreditatio\u003c\/span\u003e\u003cspan class=\"NormalTextRun SCXW200189763 BCX0\"\u003en.\u003c\/span\u003e\u003c\/span\u003e\u003cspan class=\"EOP Selected SCXW200189763 BCX0\" data-ccp-props='{\"134233117\":false,\"134233118\":false,\"335559738\":210,\"335559739\":210}'\u003e \u003c\/span\u003e\u003c\/p\u003e","brand":"BankersHub","offers":[{"title":"Default Title","offer_id":47004037677231,"sku":"ODC0603261","price":299.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0646\/2894\/9167\/files\/AddressingDisintermediationofCommunityBanks.png?v=1776443593","url":"https:\/\/www.bankershub.com\/products\/addressing-disintermediation-of-community-banks","provider":"BankersHub","version":"1.0","type":"link"}