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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

Host card emulation benefits issuers as well as users
Near field plus host-card emulation opens door for banking/payment apps
Banks need to step up sooner rather than later
Sophisticated threats require sophisticated defenses
Also will assess cybersecurity readiness at community banks
Usage, fraud protection, EMV, and rewards all gain
As economy improves, clients expect more from advisors
All parties get tarred, which prompts some promising trends
Transactions seen giving way to contextual banking
Compliance officers say finding AML gaps their highest priority
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