The Efficiency Ratio Problem No One Is Actually Solving

When most people talk about getting your data together, they mean integration. Pull it from your core, your loan origination system, your CRM, your general ledger, and get it into one place, maybe a dashboard. Consolidated reporting is better than fragmented reporting, but if the end goal is using artificial intelligence to drive your efficiency ratio, then integration is step two of a ten-step journey.

The good news? The next steps are clearer than you might think.

Breaking News! ICBA Adds Jack Henry's Financial Crimes Defender to PSP Program

Financial Crimes Defender is a next-generation financial crimes platform that unifies fraud and BSA/AML efforts into a single, modern platform. It centralizes alerts, data, and investigations so community banks can detect and stop fraud before funds ever enter or leave the organization. By strengthening fraud prevention while supporting regulatory compliance, Defender helps banks better protect customers, reduce risk, and operate more efficiently.

Built from the ground up with true real-time analytics, the cloud-native solution is a key part of Jack Henry's technology modernization strategy. Designed for scale and performance, Defender's modern, intuitive user interface is paired with advanced analytics that leverage AI and behavioral modeling to learn accountholder behavior and surface emerging fraud and BSA trends. By automating repetitive investigative tasks and significantly reducing false positives, the platform delivers higher-quality alerts allowing teams to focus only on the activity that truly requires review.

"Community banks need modern, real-time tools to keep pace with today's fraud and compliance challenges," said Kevin Tweddle, senior executive vice president of ICBA Innovation. "Financial Crimes Defender gives our members greater visibility, faster detection, and more efficient investigations helping them better protect customers and their institutions."

ICBA Preferred Service Providers have earned the highest level of ICBA affiliation through an established due-diligence process designed to ensure that they are dedicated to the community banking industry, have national distribution ability, sound financials, and offer unique value to ICBA members.

Jack Henry has been part of the ICBA PSP program for more than 15 years. Many Jack Henry digital banking, payments, lending, commercial banking, information security and technology, and operations solutions are included in the PSP program.

"Our continued partnership with ICBA reflects our shared mission to strengthen community banking," said Rene Perez, National Director of Financial Crimes Sales at Jack Henry. "Adding Defender to the PSP program helps community banks modernize financial crime operations in a way that supports both customer relationships and compliance."

INSBANK Taps KlariVis to Power the Next Phase of Data Innovation and Growth
 

KlariVis, a leading performance intelligence platform built for financial institutions, today announced its partnership with INSBANK, a $1 billion institution headquartered in Nashville, Tennessee. The partnership reflects INSBANK’s continued investment in technology that fuels efficiency, transparency, and growth across its expanding organization.

Known for its entrepreneurial spirit and client-first approach, INSBANK has built its reputation on challenging convention and pursuing innovation that makes banking more personal and productive. As a digital-first institution with a culture rooted in progress, the bank recognized the need to modernize its approach to accessing, analyzing, and sharing data across the organization.

INSBANK selected KlariVis specifically to automate board and general ledger reporting, unify data across departments, and complement its long-term investment in its data warehouse. Leadership recognized an opportunity to replace manual reporting with on-demand insights, delivering faster and clearer visibility to executives, teams, and board members, thereby driving the bank’s growth strategy.

“Efficiency and clarity are cornerstones of our operating philosophy,” said J. Scott Gupton, Chief Operating Officer at INSBANK. “KlariVis gives us a way to automate reporting, reduce manual effort, and empower our leadership team with data they can access instantly. It’s a solution that not only supports immediate needs but aligns perfectly with our broader data strategy and growth objectives.”

By leveraging KlariVis, INSBANK gains an enterprise-ready analytics platform that bridges the gap between data and decision-making, freeing internal teams to focus on innovation and execution. The result is a unified, data-driven foundation that supports both operational efficiency and the entrepreneurial agility that defines INSBANK’s brand.

“INSBANK’s leadership understands that sustainable growth comes from alignment between data, people, and purpose,” said Kim Snyder, CEO & Founder of KlariVis. “By pairing their data strategy with KlariVis, they’re creating the kind of clarity that drives confident, informed decisions. We’re thrilled to partner with a team that shares our commitment to building innovative, forward-looking institutions.”