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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
40
Funny Woman Checking her Mobile Phone
Behavioral EconomicsDeposits

From Clicks to Commitment: How Design and Personalization Keep Deposits in Place

By Devon Kinkead First Impressions Matter More Than Ever When someone lands on a bank or credit union’s digital platform, trust is won—or lost—in seconds. Research shows that design choices like typography, layout,...

Devon Kinkead August 29, 2025
51
Car and stack of coin. Saving money for car concept. Car finance, buy car new concept.
Auto LendingPrescreen Marketing

Winning in the 2025 Auto Lending Market

By Devon Kinkead The latest Experian State of the Automotive Finance Market Q2 2025 report delivers a clear message: banks are back as the dominant force in auto lending, and the opportunity for market share expansion...

Devon Kinkead August 29, 2025
56
Long frayed rope near to break isolated
Community Financial InstitutionsDeposits

Stickiness Coming Apart: Why Life-Event Relationships Keep Deposits Where They Belong

By Devon Kinkead For decades, banks and credit unions relied on “stickiness” to hold onto customers. The assumption was simple: switching accounts was such a hassle—updating direct deposits, bill payments, and...

Devon Kinkead August 22, 2025
54
Young stressed woman having issue with utility bills expense, sitting at home trying to calculate and see bad finance bank report, searching for mistake. College student girl with money problem.
Loan GrowthPrescreen Marketing

When Consumer Confidence Wavers, Personalized Solution Marketing Becomes Essential

By Devon Kinkead The latest data on U.S. consumer financial sentiment from the Pew Research Center reveals that nearly one-third of Americans believe their financial picture will worsen over the next year—a...

Devon Kinkead August 22, 2025
48
Business concepts with businessman holding hourglass with graph chart on computer laptop
AICommunity Financial Institutions

From Theory to Practice: A Micronotes Perspective on MIT Sloan’s AI Leadership Insights

By Devon Kinkead MIT Sloan Management Review’s recent compilation of “10 Urgent AI Takeaways for Leaders” offers valuable strategic guidance for executives navigating the AI transformation. I, as an...

Devon Kinkead August 15, 2025
47
Stopwatch.
AIDepositsDigital Engagement

Real-Time Pricing Is Half the Battle: Turn GenAI Deposit Strategy into Conversations That Keep the Money

By Devon Kinkead Generative AI can now push deposit-pricing recommendations to decision-makers in hours instead of weeks. That speed wins deposits at a lower cost of funds—if you can turn the model’s output into...

Devon Kinkead August 15, 2025
54
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Recent Posts

  • Dynamic Work Design for Deposit Retention: Turning “Exceptional Deposits” into Lasting Relationships
  • The Compliance Imperative in Data-Driven Financial Marketing
  • From Personalization Theory to Deposit Reality: Turning Life Events Into Loyalty
  • What Standard Chartered Taught Us About Speed—and How to Apply It to Loan Growth
  • Why Branches Still Matter — Even When Everyone Says They Don’t
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