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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
55
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
56
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
59
Woman standing on railroad station and looking to leaving train. Traveler is worried, because she missed a train
Credit TrendsPrescreen Marketing

Credit Unions Can’t Be Late! How Automated Prescreen Marketing Can Accelerate Growth Amid Mixed Performance Signals

By Devon Kinkead The latest credit union performance data paints a picture of an industry in transition. While the first quarter of 2025 showed members building savings and managing debt more responsibly, it also...

Devon Kinkead August 15, 2025
58
DepositsRetention

How to Make Deposit Flight a Thing of the Past

— as you migrate to Fiserv® Create & Configure Digital By Devon Kinkead Community Financial Institutions Upgrade Digital You’re a community-minded bank or credit union that’s just moved, or is moving, to...

Devon Kinkead August 8, 2025
67
Businessman holding loan blocks and cash, representing financial borrowing and banking concept.
Auto LendingHome Equity Loan ConsolidationLoan GrowthPrescreen Marketing

The Micronotes Perspective: Turning Credit Union Loan Growth Headwinds into Tailwinds in 2025

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...

Devon Kinkead August 8, 2025
70
10 years logo in silver for celebrations, events and anniversaries.
Digital EngagementMarketing AutomationOnline BankingRetention

Revolutionary Results: How Micronotes Microinterviews Delivered 23x Better Performance Than Banner Ads Over 10 Years

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...

Devon Kinkead August 3, 2025
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Recent Posts

  • 2026 Deposit Retention Playbook: Stop Guessing, Start Detecting (and Acting)
  • Leading Through Uncertainty: How MIT Sloan’s Future of Work Principles Can Guide Credit Unions in 2026
  • Chime’s Checking Surge Is a Retention Wake-Up Call—It’s Time to Fight Back
  • Turning Credit Union Performance Trends Into Growth Opportunities: A Prescreen Marketing Perspective
  • The Credit Barbell Effect: How Automated Prescreen Marketing Captures Growth at Both Ends of the Spectrum
Categories
  • AI 27
  • Auto Lending 3
  • Behavioral Economics 5
  • Big Data 18
  • Blog 16
  • Brand 1
  • Community Banking 23
  • Community Financial Institutions 11
  • Compliance 2
  • Consumer Loan Business 9
  • Credit Trends 2
  • CRM 2
  • Customer Retention 13
  • Deposits 35
  • 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 45
  • Research 1
  • Retention 9
  • ROI 2
  • Strategy 5
  • Sustainability 1
  • Uncategorized 2

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