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Lending concept. Pre-approved mortgage loan.
AIBig DataLoan GrowthPrescreen Marketing

Data-Driven Success: The Evolution and Impact of Prescreen Marketing in Banking

By Xav Harrigin In the nascent stages of credit marketing, banks grappled with the formidable task of identifying suitable customers for their credit products. The process was akin to navigating in the dark, with banks...

Devon Kinkead July 24, 2023
255
AIBig DataConsumer Loan BusinessCustomer RetentionDeposits

Revolutionizing Community Banking: Micronotes.ai at the ICBA ThinkTECH Accelerator Demo Day

By Xav Harrigin The Independent Community Bankers of America (ICBA) ThinkTECH Accelerator Demo Day is a nationally acclaimed program that promotes early-stage solutions designed specifically for community banks. The...

Devon Kinkead July 19, 2023
277
Generative AI learning, loading bar, artificial intelligence in progress, technology in competition with human resource, manpower against cyborg machine, replacement of worker
AIBig DataNEWS

AI in Banking: Balancing Innovation and Regulation

By Xav Harrigin Artificial Intelligence (AI), particularly its subset, Generative AI, has been a prominent subject of interest in 2023, as noted by McKinsey, Congress reports, and the World Economic Forum. Generative AI...

micronotes_admin July 7, 2023
270
Vector illustration of a brain. Concept for generative AI and Large Language Models LLM.
AIBig Data

AI and Automation in Financial Institution Marketing: A 2023 Perspective

By Xav Harrigin – Micronotes The Dawn of AI and Automation in Financial Marketing In the digital epoch, marketing automation, especially within the data-rich financial services industry, has become a necessity...

Devon Kinkead June 24, 2023
249
Consumer Loan Business

The Evolution of Mortgage Lending: Data, Analytics, and the First-Time Home Buyer in 2023

Introducing Ashley.  A year ago, the 33-year-old college-educated professional was navigating the financial landscape with an annual income of $61,000. Like many in her demographic, she was balancing bills, rent, and...

micronotes_admin June 9, 2023
263
The Sling of David with Five Smooth Stones a Story from the Bible
Big DataDeposits

David & Goliath: Big Bank Deposit Acquisition Tech for Community Financial Institutions

In the previous two articles, we’ve discussed strategies for growing deposits from the existing customer/member base. It’s now time to look outside the financial institution for new deposits and beyond traditional...

Devon Kinkead April 4, 2023
244
Direct Deposit Confirmation
Customer RetentionDeposits

Direct Deposits Made Elsewhere

In the previous deposits-focused article, we discussed how to detect and immediately act on anomaly deposits to keep those deposits from exiting the financial institution’s balance sheet.  In this article,...

micronotes_admin March 7, 2023
228
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Recent Posts

  • Size Matters — and What Credit Union Leaders Should Do About it
  • 2026 Deposit Retention Playbook for Community FIs: Catch Signals, Not Just Rates
  • Navigating Credit Union Lending Strategies in 2026: Insights from Rising Delinquencies and Evolving Debt Perceptions
  • 2026 Deposit Retention Playbook: Stop Guessing, Start Detecting (and Acting)
  • Leading Through Uncertainty: How MIT Sloan’s Future of Work Principles Can Guide Credit Unions in 2026
Categories
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