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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

Siloed systems impede efficiency, effectiveness; lessons from other industries
Gaps, opportunities, and desired outcomes articulated
34% of banking organizations say they have invested in the technology
Digital payment token to replace account number for online, mobile transactions
Potential customers in general are high-tech and mobile-savvy
Online services deemed crucial to staying competitive
Bankers can use cloud tools to better satisfy customers
Customers increasingly expect to interact digitally outside of computers
The technology-customer centricity-profitability linkage emerges
Gaps seen between C-suite expectations and risk mitigation
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