Blog

By Devon Kinkead The credit union industry faces a paradox in 2025: record-high home equity meets frozen mortgage markets, rising consumer debt collides with tightening credit standards, and members need financial...

By Devon Kinkead A decade-long study at a $10 billion financial institution reveals game-changing engagement rates that challenge everything we thought we knew about digital banking marketing. Executive Summary...

By Devon Kinkead In today’s rapidly evolving credit marketing landscape, financial institutions face mounting challenges: rising direct mail costs (up 33.4% for USPS marketing mail), increasing demand for...

By Devon Kinkead Rising acquisition costs and dormant credit lines are pushing lenders to rethink prescreen marketing. TransUnion’s newest brief urges institutions to pursue credit users — customers who will actively...

By Devon Kinkead The reality checkTraditional institutions have watched $3 trillion flow out to fintech savings and investing apps in just five years — and the leak is worst among younger “Zillennials” who now juggle...

A Recap of our Deposits Webinar with Fiserv By Devon Kinkead The Customer’s Quiet Crisis Your depositor just wired in $85,000 after selling her condo. To the balance-sheet, it looks like great news—but to her,...

By Devon Kinkead The Story Your Audience Is Living After three manic years—pandemic‐era liquidity, 2023 outflows into money-market funds, and the 2024 “will-they-won’t-they” Fed pivot—banks are asking the same...