Blog

By Devon Kinkead Banks talk endlessly about personalization. They invest millions in analytics, algorithms, and dashboards designed to “know the customer.” Yet, as The Financial Brand recently pointed out...

By Devon Kinkead When Nelson Repenning, my former professor at MITSloan, business partner, and friend and Don Kieffer tell the Standard Chartered story in their new book, There’s Got to Be a Better Way, the...

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...