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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

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
Survey shows 50% increase in mobile banking; double- and triple-digit growth in online sales
In a topsy-turvy world, what used to be good—predictability—now gives way to the new good—disruption
Inadvertent noncompliance, or AML drift, happens when systems aren’t constantly monitored, maintained, or repaired
Push notifications not only provide alerts but offer immediate options to take responsive actions
Customers prefer to deal with their banks but will go elsewhere if not satisfied
The best bank sites, however, still are significantly better than the bottom sites
Financial institutions in developing countries finding ways to teach domestic banks a thing or two
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