Welcome to the Tearsheet Podcast. I’m Zack Miller. We don’t talk enough about community banks on the podcast. Coming in to the COVID crisis, community banks lagged large banks and fintechs in technology. But when you look at what’s happened over the past 6 months, community banks committed acts of heroism to serve their customers during the height of the crisis. Raymond Chandonnet, chief revenue officer at Neocova, joins us on the podcast to talk about the window of opportunity community banks have to compete. He describes the role technology plays in driving innovation for community banks and how smaller FIs are migrating to new core banking tech slowly and as part of a larger journey. Raymond Chandonnet is my guest today on the Tearsheet Podcast.