By Devon Kinkead The Story Your Audience Is Living After three manic years—pandemic‐era liquidity, 2023 outflows into money-market funds, and the 2024 “will-they-won’t-they” Fed pivot—banks are asking the same...
Devon Kinkead
July 17, 2025
By Devon Kinkead Mortgage originations may be stuck in a post-pandemic slump, but the path forward is hiding in plain sight: pair the digital muscle that trims cost and friction with the human guidance that turns...
Devon Kinkead
July 11, 2025
By Devon Kinkead Why the Question Matters On 23 June 2025 Adam Job, Nikolaus S. Lang, Ulrich Pidun, and Martin Reeves published an excellent paper in the MIT Sloan Management Review arguing that, in times of...
Devon Kinkead
June 27, 2025
By Devon Kinkead Last week, financial industry experts gathered for an illuminating webinar titled “The HELOC Renaissance,” hosted by Micronotes founder Devon Kinkead alongside Experian’s Dr. Upavan...
Devon Kinkead
June 25, 2025
By Devon Kinkead Bottom Line Up Front: While traditional 30-year mortgages dominate the market, two compelling alternatives are emerging that can be effectively captured through hyper-personalized firm offers of...
Devon Kinkead
June 22, 2025
By Devon Kinkead When consumer debt is adjusted for inflation, the “debt crisis” narrative collapses. This creates significant opportunities for financial institutions to capture HELOC market share through...
Devon Kinkead
June 22, 2025
By Devon Kinkead Financial institutions can materially increase conversion rates by modernizing offer management through automated prescreen technology, transforming manual, months-long processes into fast,...
Devon Kinkead
June 14, 2025