Blog

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...

By Devon Kinkead Mortgage originations may be stuck in a post-pandemic slump, but the path forward is hiding in plain sight: pair the digital muscle that trims cost and friction with the human guidance that turns...

By Devon Kinkead Why the Question Matters On 23 June 2025 Adam Job, Nikolaus S. Lang, Ulrich Pidun, and Martin Reeves published an excellent paper in the MIT Sloan Management Review arguing that, in times of...