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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
60
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
59
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
53
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
51
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
40
woman trying to find way through chalk drawing of maze on blackboard challenge concept
Behavioral EconomicsCommunity Financial InstitutionsDepositsNew Customer AcquisitionPrescreen Marketing

From Acquisition to Primacy: How Micronotes Transforms Banking Relationships

By Devon Kinkead In today’s fiercely competitive financial landscape, simply acquiring new customers isn’t enough. The real battle lies in achieving primacy—becoming the primary financial institution that...

Devon Kinkead September 5, 2025
55
Money bag isolated
Behavioral EconomicsDepositsRetention

Cutting Through the Noise: How Personalized Engagement Transforms Deposit Retention in an Era of Information Overload

By Devon Kinkead A Micronotes Perspective on Building Trust Through Meaningful Conversations In today’s banking environment, community financial institutions face a perfect storm of challenges. Customers are...

Devon Kinkead September 5, 2025
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Recent Posts

  • The Credit Barbell Effect: How Automated Prescreen Marketing Captures Growth at Both Ends of the Spectrum
  • From “Angst” to Action: How to Turn Real-Time Advice into Quality Deposits
  • The Precision Paradox: Why Community Financial Institutions Are Well Positioned for Banking’s New Era
  • Stop Chasing Rates. Start Catching Signals: A Micronotes Take on Deposit Playbooks
  • The Strategic Role of CDs in Modern Deposit Retention: Where Purpose Meets Technology
Categories
  • AI 27
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  • CRM 2
  • Customer Retention 13
  • Deposits 33
  • Digital Engagement 9
  • First-Time Homebuyer 1
  • Gen Y 2
  • GenZ 12
  • HELOC 9
  • Home Equity Loan Consolidation 10
  • Life Events 11
  • Loan Growth 15
  • Marketing Automation 16
  • Net Promoter Score 2
  • New Customer Acquisition 22
  • NEWS 1
  • NPS 1
  • Online Banking 6
  • Personalization 27
  • Prescreen Marketing 44
  • Research 1
  • Retention 9
  • ROI 2
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  • Uncategorized 2

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