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John Ginovsky

John Ginovsky

John Ginovsky is a contributing editor of Banking Exchange and editor of the publication’s Tech Exchange e-newsletter. For more than two decades he’s written about the commercial banking industry, specializing in its technological side and how it relates to the actual business of banking. In addition to his weekly blogs—"Making Sense of It All"—he contributes fresh, original stories to each Tech Exchange issue based on personal interviews or exclusive contributed pieces. He previously was senior editor for Community Banker magazine (which merged into ABA Banking Journal) and for ABA Banking Journal and was managing editor and staff reporter for ABA’s Bankers News. Email him at

Younger customers seen using devices farther and wider
It’s all about the customer–and the customer is always right
Nine out of ten see need for disruptive technologies in order to stay competitive
CEO sets bank's brand tone–but all employees need to be excited about social media outreach
The U.S. migration to EMV depends on merchant adoption, customer interest
Agility seen as adding to traditional values of cost and risk
Increased IT investment likely to help meet customers’ evolving needs and expectations
Security concerns, lack of a compelling reason seen blocking acceptance
Strengthening relationships with banks seen as a key approach
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