| | AUGUST 20194CIOReviewContents16 - 3119 The CIO's Role in Promoting Digital TransformationThomas Knapp, CIO, Waterstone Mortgage Corporation24 A Report from the Front: TransformingIT to Enable Business StrategyEileen Baines, SVP & CIO, CoBankCIO INSIGHTS221932COVER STORY12DISINTERMEDIATION IN PAYMENTS ­ ALL THREAT TO FINANCIAL INSTITUTIONS, OR ARE THERE HIDDEN UPSIDE OPPORTUNITIES?Christopher Danvers, VP, Digital Strategy & Payments, American Airlines Federal Credit Union20 MOST PROMISING SOLUTION PROVIDERS - 2019CORPORATE FINANCE TECHWORKIVA INC.Marty Vanderploeg, CEOREDEFINING INNOVATION IN REPORTING AND COMPLIANCE
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