Community banks face mounting competition from fintechs, megabanks, Big Tech, and even retailers like Walmart, all investing heavily in innovation. Matthew Smith, a seasoned community banker with experience at Happy State Bank and First United Bank, now leads digital transformation efforts at the Initiatives for Independent Banks Association of Texas (IBAT). Passionate about BaaS, embedded finance, and data analytics, Smith helps community banks across Texas and beyond embrace technology and evolve in the digital era. In a conversation with Keith Daly of Travillian, Smith shares his dedication to supporting community banks and looks ahead to IBAT’s role in 2023 and beyond.

Watch the full video on the Travillian Next website here.