Paul Foley is an unusual community banker. Not only is the senior vice president of Safety Fund National Bank in Worcester, Mass., but he also has served for years as the president and chief trade executive of the Massachusetts Bankers Association - and was life insurance company vice president before that. So when Paul talks about the future of banking, he offers an unusual perspective.

He recently wrote the Weekly Adviser with a thought he had "at about 3 a.m." on the future of banking.

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