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Traditional regional and community banks in the United States are challenged by financial technology providers to acknowledge the ongoing digitization and broadly applicable tech-focused future of banking. However, as many banks have discovered, fintech represents both great opportunities and real operational challenges. These costs and benefits are even more pronounced in the regional and community banking sectors, where engaging with fintech can be daunting but also transformational to a very traditional banking model. Here we will explore how these banks can engage with fintech and what fintech they should actually consider.