“The most sophisticated community bank strategy uses technology to identify opportunities while humans deliver the insight. Dedor describes Premier America’s approach: ‘Our goal is to use the data we have with technology on top of it to surface opportunities that are real, relevant in real time, and then put that in the hands of the human to make that offer, have that conversation. It’s using digital to make a better experience with the human driving the final results.”…Dedor concurs: ‘The next five to ten years will set the stage. The ones that invest, use technology to make it easier for members, but don’t forget money is stressful and needs humans behind it, will succeed.’”