“ The duality of growing the bank and community side-byside very much appeals to me ”
CHARLES DRIEST CHIEF EXPERIENCE OFFICER , F & M BANK
“ This is where community banks have a huge advantage , particularly when we are so close to these communities . We provide the human element that AI misses . AI cannot , or has not yet at least , been taught human empathy .”
With this in mind , Driest believes that as digital banking proliferates and expands , there will be a place for a community bank in a consumer ’ s portfolio of bank accounts , which possess human qualities that current AI models and digital algorithms cannot yet mimic . He notes : “ The digital solution at a community bank might not be as good as the super mega national bank down the road , but it ’ ll get you 80 % of the way there , and make up that last 20 % with a personal service that you ’ re not going to find anywhere else . That ’ s how smaller banks compete .”
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Learn More 70 July 2023