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A hallmark of community and regional banks is their investments in local communities through well-defined product, operational and customer strategies. Financial technologies, or fintech, is sometimes viewed as a disruptor to the current state of the banking industry; however, it can also offer banks a new investment opportunity. While investing in fintech is important for gaining access to new technology, enhancing your customer experience to improve retention and, possibly, engaging new customers, how you choose to invest has accounting implications for your financial institution.

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