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John Ginovsky

John Ginovsky

John Ginovsky is a contributing editor of ABA Banking Journal and editor of the publication’s TechTopics 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 TechTopics 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 was managing editor and staff reporter for ABA’s Bankers News. Email him at

50% know about it—only 3% have used it
Don't procrastinate! Process can take 9 to 12 months
Customer data, financial information most sought after
Dry, dusty digital security gets star treatment
Amendments deal with outlier originators, unauthorized transactions
Digital payments would gain appeal with stronger security
Hints: Speak their language, skip horror stories
But they’ll trade privacy for coupons
Generational divide may signal shift to plastic
Disruption shakes up tradition-bound industry
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