Blog

By Devon Kinkead Introduction Banking futurists keep announcing the death of the branch. Yet, real data tells a more complicated story. Micronotes’ post-campaign analytics revealed that home equity loan...

By Devon Kinkead The numbers paint a stark picture for traditional financial institutions. According to recent research from Curinos, fintechs’ share of checking account openings grew by six percentage points...

By Devon Kinkead The shift in American retirement investing over the past two decades offers crucial strategic insights for community financial institutions. According to Parker et al.’s forthcoming Journal of...

By Devon Kinkead The banking industry faces an unprecedented convergence of forces: a $105 trillion intergenerational wealth transfer, digital disruption from fintechs, and the reality that 50% of large deposits exit...

By Devon Kinkead In the hyper-competitive HELOC consolidation market, where a recent campaign revealed competitors capturing 96% of actively interested prospects, financial institutions need more than traditional...

By Devon Kinkead The banking industry loves to talk about personalization. Every webinar, conference, and thought leadership piece champions AI-driven customization, hyper-targeted messaging, and data-powered...

By Devon Kinkead Prescreen marketing looks like a slam dunk: millions of consumers carry high-interest debt, sit on untapped home equity, or are primed for consolidation. Yet despite the potential, most prescreen...