Small banks have started to improve their digital experience and with this innovation comes a new set of issues; small banks are finding issues with fraud and length of time it takes for an account to open; on-boarding was a key theme at American Banker’s Digital Banking Conference in Austin; smaller banks are in search of fintech partners that can help them improve the on-boarding process for speed and safety; banks are seeking facial identification type technology so they can quickly verify who a customer is when they are opening an account; manual entry of routing and account numbers has also shown to be more problematic then using fintech services that connect a users bank information; banks are open to finding partners to bring the time to open account to about 3 minutes as they have found that to be the target time. Source.