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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

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
New alliance program gives merchants tools and resources to accommodate wallet
Security concerns, lack of a compelling reason seen blocking acceptance
Strengthening relationships with banks seen as a key approach
Cost is lower that basic checking account fee
Already, 12.5 million Americans use mobile bill pay
Experts agree, the human element is as much an issue as advanced technology
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