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Growing investment concept
Prescreen MarketingStrategy

The TDF Revolution: What Community Banks and Credit Unions Can Learn from America’s Retirement Transformation

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...

Devon Kinkead October 3, 2025
27
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DepositsLife Events

Strategic Framework for Deposit Retention: Decoding Signals in a $105 Trillion Wealth Transfer

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...

Devon Kinkead September 26, 2025
38
Detailed Graphical Representation of Earthquake Vibrations Captured on a Seismograph against the grid background. Seismograph recording seismic waves. Vector Illustration.
HELOCHome Equity Loan ConsolidationPrescreen Marketing

Decoding Market Signals: A Strategic Framework for HELOC Consolidation Success

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...

Devon Kinkead September 26, 2025
38
Full length profile shot of an edlery man walking with a cane and carrying a briefcase full of money isolated on white background
Deposits

From Personalization Theory to Deposit Reality: Why Life Events Matter More Than Marketing Algorithms

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...

Devon Kinkead September 19, 2025
38
arrows missing target
Prescreen Marketing

Why Most Prescreen Campaigns Miss the Mark — And How to Nail Yours

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...

Devon Kinkead September 19, 2025
40
Silhouettes rooster crows in the morning	.Elements of this image furnished by NASA.
HELOCHome Equity Loan ConsolidationPrescreen Marketing

HELOC Consolidation Wake-Up Call: Capturing New Accountholders in a Hyper Competitive Market

By Devon Kinkead The $73 Million Wake-Up Call When we launched a HELOC consolidation campaign targeting prospective accountholders for HELOC debt consolidation opportunities, we knew the market was competitive....

Devon Kinkead September 12, 2025
41
Happy family cheerful mother and father with kids smiling and putting coins into piggy bank while sitting on sofa at home
Community BankingDepositsGen YGenZLife EventsRetention

Every Household Milestone is an Opportunity: Building Multi-Generational Relationships Through Life Events

By Devon Kinkead In today’s rapidly evolving financial landscape, community financial institutions face a critical challenge: maintaining accountholder relationships across generations while competing with...

Devon Kinkead September 12, 2025
39
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Recent Posts

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  • From Personalization Theory to Deposit Reality: Turning Life Events Into Loyalty
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