aiawaybankbankersbanksbetterbigbobborrowersbranchesbrandbuildingbusinesscannabiscardcassidychangeclosecommunitycorecovidcreditcustomersdatadepositfederalfinancialfintechfirstfuturegerardhelpholidayhotimpactinginstitutionsinterestissuesjeffkafafianknowliquidityloanmajormanagementmergemindnavigatingneednewteknextpandemicpersonalperspectivepostreadyregulatoryretainriskroadseasonsmallstockssuccesssuccessfulsystemtoptopicstransformationvaluationswelcomeyear