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Addressing Disintermediation of Community Banks passport settlement speedsDisintermediation is no longer a distant concern for community banks. It is an active competitive reality and 2026 is a pivotal year with the rapid evolution of AI and the Genius Act. Depositors now have more information, more mobility, more digital tools, and more outside options than at any prior point in modern banking. Technology, non bank competitors, open banking tools, money market funds, and AI assisted decision making are changing how funds
