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Someone opens a checking account on a Tuesday night. The process works. Identity is verified, the account is created, and the customer begins using it within days. From the institution’s perspective, the relationship is established. A week later, that same customer looks for a loan. What they notice first is not pricing or eligibility, but repetition. Identity must be confirmed again. Documentation is requested again. The process slows, not because anything has changed, but b

TL;DR: Key Takeaways Curbside pickup changed how consumers expect services—and banking is no exception. Digital account opening and loan origination must be fast, transparent, and intuitive. Community banks and credit unions that embrace automation and real-time integration are building trust earlier, reducing abandonment, and creating seamless digital-first experiences. Key takeaways: Consumers expect digital banking to match the ease of other industries. Manual processes an

TL;DR Financial institutions risk losing relevance if they can’t support real-time financial decisions at the point of sale. Core-integrated platforms like Valiify simplify account opening automation and loan origination , enabling faster decisions, better service, and fewer manual tasks—without sacrificing trust or compliance. Start at the core You don’t need convincing that financial institutions are worth betting on. Account holders still trust you more than they trust big

Welcome back to Valiified Insights, our monthly newsletter for community banks and credit unions. This month, we’re examining where risk and opportunity intersect, from cybersecurity and technology readiness to the deeper question of what modernization really means for Main Street institutions. Technology Risk Is Now a Leadership Issue According to the 2025 CSBS Annual Survey, 81% of community banks rate technology implementation and cost as “very” or “extremely important” in