Deciding what new technology works best is a struggle that community banks are continuing to work through as they try to find the right balance to offer their customers; part of the community banking experience is know your customers in a face to face and one on one fashion, it is what sets apart community banks; they also understand how new technology is changing the banking landscape and they need to innovate enough to not get left behind; banks like Umpqua Holdings are beginning to find the right balance with their new Go-To platform that provides customers with a dedicated banker via text and online chat; over automating can end up hurting banks of this size as their core customers would begin thinking why wouldn’t I just go to one of the big banks; community banks find themselves in an interesting time as they look to provide their services but innovate enough. Source.