The January/February 2019 issue of ABA Banking Journal is accessible online in our fully interactive platform. Be sure to check out our magazine at home, in the office or even on the go by scrolling through articles with our mobile optimized reading view.

A Fresh Perspective
With a powerful personal story and real-world banking experience, Jelena McWilliams is shaking up the FDIC.

How Generation Z Is Changing Financial Services
Move over, millennials. The next rising generation is here.

A New Dawn for De Novo Banks
With the regularoty posture shifting, the next generation of de novo banks is finally beginning to emerge.

Wind in the Sales?
Look for 2019 bank M&A to be driven by large deals in metro markets, smaller banks on the buy side and de novo groups acquiring rural banks.

The Wealth Effect
Community bankers talk talent, strategy and getting to scale in wealth management.

The Relationship Builder
Meet Charlie Schmalz, ABA’s 2018-19 Community Bankers Council chairman.

COMMERCIAL LENDING
The Libor Replacements

MARKETING
Real Banks' Successes—and Struggles—With Digital Marketing

CYBERSECURITY
Cybersecurity Efforts Get a Boost with New FSSCC Profile

CHAIRMAN'S VIEW
Banking Rural America

UPFRONT

BANK OF THE FUTURE
Five Global Fintech Trends in 2018

ECONOMIC OUTLOOK
Real Estate Market Lagging Broader Economy

LEGAL BRIEFS
Cryptocurrency Cunumdrum: Regulators Grapple with Digital Currencies

CORPORATE SOCIAL RESPONSIBLITY
Bridging the Wealth Gap Through Comprehensive Minority-owned Business Lending

ABA COMPLIANCE CENTER INBOX
Can We Waive an Overdraft Fee for a Director’s Spouse?

FROM THE VAULT
Financing Victory