Community banks are pushing for a stronger role with their small business (SMB) customers. Yet, the broader perception of smaller financial institutions (FIs) in the industry is that these banks lack the resources that larger banks offer, as well as the agility of emerging FinTech firms, to promote product and service innovation to their SMB clients.

However, through an embrace of FinTech collaboration and industry consolidation, community banks appear poised to further dispel assumptions of a lack of digitization.

Jenny Moss, senior vice president and director of treasury management and marketing at Texas-based community bank Third Coast Bank, spoke with PYMNTS — on the heels of announcing its merger with fellow community bank Heritage Bancorp — about why community banks are prepared to embrace financial services innovation and modernization for their small business clients.

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