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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...

By Devon Kinkead Last week, financial industry experts gathered for an illuminating webinar titled “The HELOC Renaissance,” hosted by Micronotes founder Devon Kinkead alongside Experian’s Dr. Upavan...

By Devon Kinkead Bottom Line Up Front: While traditional 30-year mortgages dominate the market, two compelling alternatives are emerging that can be effectively captured through hyper-personalized firm offers of...

By Devon Kinkead When consumer debt is adjusted for inflation, the “debt crisis” narrative collapses. This creates significant opportunities for financial institutions to capture HELOC market share through...

By Devon Kinkead Financial institutions can materially increase conversion rates by modernizing offer management through automated prescreen technology, transforming manual, months-long processes into fast,...

By Devon Kinkead While recent studies highlight challenges in banking data practices, suggesting institutions are “flying in the dark,” a growing segment of forward-thinking financial institutions is...

By Devon Kinkead The banking industry stands at a critical inflection point where technology optimization meets unprecedented opportunities in home equity lending. Two recent industry reports—BAI Banking...