Behind the Vault Episode 16
by Rich Edwards May 3, 2024
Fintech and partner bank margins in wallets, the role of bonds in community opportunity
Behind the Vault Episode 15
by Rich Edwards Apr 26, 2024
Retail branch decline slows, Fed looks to tech providers to spur realtime growth, how AI is merging software and labor markets
Behind the Vault Episode 14
by Rich Edwards Apr 19, 2024
A look at where it goes wrong as a banking partner, and two views of AI capabilities and who in banking is ahead putting it into action
Behind the Vault Episode 13
by Rich Edwards Apr 12, 2024
The latest settlement from issuers, big banks sending SMBs to CDFI, and what winning looks like at 91
Behind the Vault Episode 12
by Rich Edwards Apr 5, 2024
UWM under attack, where the money is for card issuers
Behind the Vault Episode 11
by Rich Edwards Mar 29, 2024
Where the commercial real estate impact is emerging, time-proven strategies to standing out as an organization
Behind the Vault Episode 10
by Rich Edwards Mar 22, 2024
How banking practices are changing, and the impact here of EU's legislation
Behind the Vault Episode 9
by Rich Edwards Mar 15, 2024
A look at the linkage between square footage and power to the fastest-growing sectors of the economy
Behind the Vault Episode 8
by Rich Edwards Mar 8, 2024
New Reg Z rules, the recent draw of community banks and credit unions, and the role fintech might play in future growth
Behind the Vault Episode 7
by Rich Edwards Mar 1, 2024
Why the deal makes sense, holidays' impact on banking
Behind the Vault Episode 6
by Rich Edwards Feb 23, 2024
Lower credit card rates at smaller FIs, addressing the labor crunch
Behind the Vault Episode 5
by Rich Edwards Feb 16, 2024
Where the money is going for institutions and the OCC's new M&A proposal
Behind the Vault Episode 4
by Rich Edwards Feb 9, 2024
The Fed Chief's public comments, Regional Bank troubles
Behind the Vault Episode 3
by Rich Edwards Feb 2, 2024
A loud endorsement of the CFPB Data Rights proposal, alternate finance isn't always about the unbanked
Behind the Vault Episode 2
by Rich Edwards Jan 26, 2024
The contradictory takes on banking profits, The Clearing House commits to real-time payments
The way to frame the AI opportunity for your institution
by Rich Edwards Jan 19, 2024
Payments next opportunity, a massive year for biggest bank
The most challenging resource to source in 2024
by Rich Edwards Jan 12, 2024
Accenture's hot take on tech and banking, fraud tools lacking in RT
...and does cutting corners cost even more?
by Rich Edwards Jan 5, 2024
A look ahead at consumer regulation, and the fragility of AI
The Power of Harmonizing Automation and Human Touch
by Rich Edwards Dec 22, 2023
A few things that fell between the cracks for community banking leaders' reading list
What did community banking chiefs look at and say this year
by Rich Edwards Dec 15, 2023
History and modern problems of the lowly checking account, data created new financial services
Personalizing Customer Interactions for Success
An older base of customers brings additional issues
by Rich Edwards Dec 8, 2023
More competition from fintech, struggling regulators, and what do you want from your marketing
The Power of Data and AI
by Rich Edwards Dec 1, 2023
A look at the leading ideas and what's being done
AI Simplified
Are the AI opportunities for banks really only in cost savings?
Lessons for today from a century in the past
by Rich Edwards Nov 17, 2023
A look at the trends in consumer payments, who and when is getting new checking accounts, and the Fed's surprising role in a debt ceiling crunch
A moment's interaction lasts a lifetime
by Rich Edwards Nov 10, 2023
The growing consumer burden, fintech wins/losses with regulators, why banks close accounts
The role it will play in your strategy
by Rich Edwards Nov 3, 2023
CRE Hits the Breaks, Private Credit Comes to Banks, and the Gap in Banking Valuation
Optimizing experience only works with feedback
by Rich Edwards Oct 27, 2023
Real-time settlement enters the mainstream, keeping watch on your assets
Should you take a "wait and see" approach with AI at your community FI?
by Rich Edwards Oct 20, 2023
Regulators force data rules, FedNow's uses beyond payment, fintech comes to Apply Pay
What only you can do is everything
by Rich Edwards Oct 13, 2023
The other lurking asset class, big move in mortgage origination, software equals strategy
Imaging beyond the status quo for your customers
by Rich Edwards Oct 6, 2023
The Supreme Court hearing and investors balk at PE fees
Understand why your customers seek you out
by Rich Edwards Sep 29, 2023
Private equity's growing loan book, and a cautionary tale in community banking
The growing concern on banking balance sheets
by Rich Edwards Sep 22, 2023
Merger deals bounce up, Goldman blinks on their own deal, and CFO secrets on deal valuation
Utilizing 1st Party Data
Building empathy for your bank or credit union's customers is table stakes; what you do with that insight is what really counts
Why data, not AI, will determine tomorrow's winners
by Rich Edwards Sep 15, 2023
Fighting bank employee flight, the slow take-up of real-time payments, and Gen AI levels the playing field
AI and the growing utility of 1st party data
How to Use Data And Personalization To Drive Growth in Financial Services
by Rich Edwards Sep 8, 2023
CRE woes and disrupting M&A
Automation moves upstream
by Rich Edwards Sep 1, 2023
The FDIC proposes new capital rules, JP Morgan hits pause on Gen AI, and the next shoe to drop
Taking advantage of opportunities
The Slippery Slope of CEO Success
by Rich Edwards Aug 25, 2023
The essential two-edged sword of data in banking today
The potential is more relevance vs. less cost
by Rich Edwards Aug 18, 2023
Agency signals rise in capital requirements, and SBA's SBIC program opens to venture funds
Comparing your growth versus your community
Banks Turned Data From a Regulatory Headache To Secret Weapon
by Rich Edwards Aug 11, 2023
The slowing of consumer protection, and where it started with plastic
Artificial intelligence, it’s impact on all businesses, and the lessons learned on making the leap to entrepreneurship mid-career
A few easy steps to help you sharpen your institution's advertising
by Rich Edwards Aug 4, 2023
The business side of data and the view from atop JPMorgan
The early architect of global financial networks
by Rich Edwards Jul 28, 2023
A glimpse into the week's news and your role in it
Instead of guessing how banking might change, how will it stay the same?
by Rich Edwards Jul 21, 2023
Do branches make deposits stickier?
Customer behavior driven segmentation
by Rich Edwards Jul 13, 2023
Solving big problems with personal agency
Ensuring your competitive advantage for tomorrow
Data as Your Competitive Edge
by Rich Edwards Jul 7, 2023
Embedded finance on the rise, moving to the cloud for banks, and thinking about AI and the future of work
What to do this week
by Rich Edwards Jun 30, 2023
Big Banks vs. Community FIs in CRE Risk and Where Fintech Fails to Break the Mold
Personalization, Data And The Future Of Customer Engagement
When demographics won't cut it
by Rich Edwards Jun 23, 2023
The rapid decline in NSF revenue, when automation ruins customer experience, and generative AI's leapfrogging potential
Where the rubber meets the road, taking action with your data
by Rich Edwards Jun 16, 2023
The signals that consolidations may be coming for the banking sector
Connecting the dots in your data is the source of powerful insights
by Rich Edwards Jun 9, 2023
Preparing for AI's impact on your business and embedded finance's growing role in business customer's lives
The foundation of all winning customer engagement strategies
by Rich Edwards Jun 2, 2023
Consumers holding cash, exposing the impact of Fintech, and how brands winning with Gen Z
The 3 things you need to provide the individual experience that beats the status quo
by Rich Edwards May 26, 2023
Community banking's winning quarter, shorting the regionals, getting fired in a coma
The hidden asset for community FIs
by Rich Edwards May 19, 2023
Capitalism's executioner, an international debt turnaround, and framing tomorrow
Personalization is more than just a first name in an email
by Rich Edwards May 12, 2023
Why you have an advantage, the broader opportunity, and where to start
Navigating the AI Revolution in Finances
How businesses are betting and consumers reacting
by Rich Edwards May 5, 2023
Stories just around the corner from the mainstream in community banking
by Rich Edwards May 3, 2023
Are you an essential partner to your customers?
by Rich Edwards Apr 28, 2023
More stories from the edge of the news cycle for the week
The quantified value of loyalty
by Rich Edwards Apr 21, 2023
Mixed early signs, but they will be clear in the next few weeks
Sometimes the answer isn't on the menu
by Rich Edwards Apr 14, 2023
More competition in small business banking, Peer to Peer apps under scrutiny
When everything goes 10x faster
by Rich Edwards Apr 7, 2023
Sweep accounts, brokered deposits, assets + rates, and how parking meters can be like banking software
Walking in your customers' shoes as a competitive advantage
by Rich Edwards Mar 31, 2023
Making payroll sexy, the value of lifetime value, and the insane concentration in the SEO market
How a customer centric strategy led to a profitable win for BBVA USA
by Rich Edwards Mar 24, 2023
Consumer confidence in banks and a history of the modern banking world
The information at your disposal is the key to winning and keeping your best customers
by Rich Edwards Mar 17, 2023
A journalist, a fintech exec, and a Nobel-winning economist walk into a bar...
Knowing what customers are likely to do in the future is a powerful tool for growth and efficiency
by Rich Edwards Mar 10, 2023
The CFPB war on fees marches on, analysis on Silvergate's collapse, and growing ire against poor customer experience
Keeping a new customer is often more important than winning them in the first place as a competitive advantage
by Rich Edwards Mar 3, 2023
Banking performance for 2022, where execs are worried, and all the commotion at the CFPB
Looking at how your customers bank with you can be a easy path to personalizing your relationship with them
by Rich Edwards Feb 24, 2023
Trade groups petition the Fed for more time on debit network rules, the cost of the Wells scandal, and Google Analytics forces your hand
The rapid evolution and adoption of generative AI tools will make your data more valuable, if you handle it right
by Rich Edwards Feb 17, 2023
The elements of customer-centricity in banking and a big strategy reversal in merchant services
For community financial institutions, federal agencies warn of both aging IT infrastructure and the risk of moving to cloud solutions. How to parse these seemingly opposite pressures
by Rich Edwards Feb 10, 2023
The pressure of interest rates on deposits and the trend in buying direct channels for brands
After defining the specific market and who you will serve, it's time to figure out how to compete and stand out
by Rich Edwards Feb 3, 2023
The latest in consumer payments, economists Krugman and Summers on inflation and Fed rates, and what does AML/KYC really do?
Who you will serve is one of the most important decisions you'll make as a community bank or credit union
by Rich Edwards Jan 27, 2023
Even Wall Street gets the blues battling Fintech, the zen-like approach to becoming a data-driven executive, and pressure on AML warrants
There's "everyone" who could bank with your institution, but what portion of those are you able to reach and serve?
by Rich Edwards Jan 20, 2023
Community banking marketing benchmarks, a new talent pool for banking, and the growing value of differentiation
Your organization's top goals for this year probably look very different than last year. Here are some concrete steps to help you get there
by Rich Edwards Jan 13, 2023
The CFPB banking fee agenda revealed, marketing's confidence gap in personalization, and a potential shakeup in BI technology
What can you bring to the competitive battlefield that large banks and fintechs can't or won't...
by Rich Edwards Jan 6, 2023
Regulatory action at banks for fintech partnerships, the behind-the-scenes business of ATMs, and robbing your own bank account
When does being relevant to your customers demand you listen and take action immediately
by Rich Edwards Dec 30, 2022
A look back at 2022 for regulatory pressure on Fintech, trends in fees, and the web analytics problem for community FIs
So what does it mean in practice to add personalization to your customer experience?
by Rich Edwards Dec 23, 2022
Research from the Fed on credit card profitability and branding insights from the comic book business
Is your customer experience (still) working?
by Rich Edwards Dec 16, 2022
The CFPB expands consumer data oversight to nonbanks and more consumer trends of 2022
Retargeting can drive acquisition performance up and costs down, but 1st party data will make the difference from now on
by Rich Edwards Dec 9, 2022
The fastest growing brand in P2P, fear and AI, and differences in homeownership by race, sex, and marital status
The inextricable link between small business's contribution to the economy and community banking
by Rich Edwards Dec 2, 2022
Replacing fee income in your NII, Gen Z sees brighter days ahead, and Fintech's use of rising interest rates to drive growth
The increasingly valuable competitive asset that only you have
A quick look at the players and themes for community banking
by Rich Edwards Nov 18, 2022
The future of retail banking, customer data regulation ramps up, and the big picture on crypto
Are you losing customer data? Today? Right now?
by Rich Edwards Nov 11, 2022
FedNow fees announced, corporate data breaches can now have personal liability, and Fintech oversight is coming.
A few reflective questions about how well you know you're customer economics
by Rich Edwards Nov 4, 2022
Fintech funding and employment are starting to drop, and an incredible story of average citizens stepping up for those in need
The circumstances, place, and time are just as important as the message
by Rich Edwards Oct 28, 2022
Latest trends in unbanked consumers, and stacking up in global financial inclusion
Being data driven is about change, anything else is vanity
by Rich Edwards Oct 21, 2022
Fintechs sets their eyes on FedNow real-time payment access, when an entire banking system stops working, and where attribution should play in your marketing toolkit
Understanding where your limited marketing $'s goes is worth more than just the return on your advertising
by Rich Edwards Oct 14, 2022
Bernanke's Nobel, gender and financial health, and a new ATM threat
The importance of your customers' experience cannot be understated in your success
by Rich Edwards Oct 7, 2022
CRA in the news, FedNow real-time payments, and the wholesale turnover of the marketing profession
by Rich Edwards Sep 30, 2022
A look at the recent news and research on the role of women in banking and the workplace
The modern leader's dilemma of where to use the tons of data you have and where experience takes the lead
by Rich Edwards Sep 23, 2022
A look at Buy Now Pay Later (BNPL) and what the future holds for this segment of consumer lending
Having a model of your customers' behavior is only as valuable as your ability to measure and validate it.
by Rich Edwards Sep 16, 2022
Goldman's Apple Card hangover, JPMorgan's data achievement, and the path to discipline
How to design and measure your customer experience can make or break your marketing effectiveness
by Rich Edwards Sep 9, 2022
Embedded finance, what are branches for, and impacts of pressure on overdraft fees
Why this metric is key to winning, and how to use it to drive improvement
by Rich Edwards Sep 2, 2022
Privacy, privacy, privacy, and how the tech companies get around barriers to it
by Rich Edwards Aug 31, 2022
The bane of most marketers is the prep work required to really analyze customer data. Should you be spending so much time in spreadsheets?
by Rich Edwards Aug 26, 2022
More regulatory action on banking fees, using data to drive better customer outcomes, and the discipline of focus
by Rich Edwards Aug 24, 2022
The lasting effects of Dodd-Frank and the Durbin amendment for community banks and credit unions
by Rich Edwards Aug 19, 2022
Another possible Durbin amendment, the future of social media acquisition channels, and a valuable data set from the Fed.
by Rich Edwards Aug 17, 2022
A jumpstart to rethinking the future of your org
by Rich Edwards Aug 12, 2022
Customer data driving strategy, the future of securitized lending, and Apple (re)enters the ad business
by Rich Edwards Aug 10, 2022
What strategies during economic slowdown have market winners used to defend and grow their business?
by Rich Edwards Aug 5, 2022
Branch vs. Digital and the overlap in strategy, what might an Apple bank account look like
by Rich Edwards Aug 3, 2022
6 in 10 FI's are on a dead end with their customer analytics
by Rich Edwards Jul 29, 2022
Google delays blocking of 3rd party cookies in Chrome, the scarcest quality of market leaders, and fintech funding hits the skids
by Rich Edwards Jul 27, 2022
Do you sound the same across all your touchpoints?
by Rich Edwards Jul 22, 2022
A deep dive into Stripe's growth into banking services, the limits of deposit insurance, and the yin and yang of commitment and detachment.
by Rich Edwards Jul 19, 2022
Ads ads everywhere, and not a cookie in sight
by Rich Edwards Jul 15, 2022
The FTC lines up against tech's data practices, data on consumer trends, and the coming end of Google's Universal Analytics.
by Rich Edwards Jul 13, 2022
What Netflix's approach to strategy can teach banks today
by Rich Edwards Jul 8, 2022
Chime's new CMO, 3rd Party Data under attack, and how ACH is undermining crypto.
by Rich Edwards Jul 6, 2022
As a financial institution, how is your customers' expectations for you changing?
by Rich Edwards Jul 1, 2022
The crumbling of the 3rd party data ecosystem, Meta and the CFPB, Apple's ATT play, and how it even effects national defense.
by Rich Edwards Jun 29, 2022
With your customers, where is time scarce, and where is it abundant?
by Rich Edwards Jun 24, 2022
The growing burden of medical debt, delays in SAFE banking regulation, and a practical approach to interviewing.
by Rich Edwards Jun 22, 2022
With Of all the competing priorities, where do you focus?
by Rich Edwards Jun 17, 2022
Privacy regulations heats up in Congress, the new business of banks selling data to customers, and how unit economics can drive firm valuation
by Rich Edwards Jun 15, 2022
Of all the competing priorities, where do you focus?
by Rich Edwards Jun 10, 2022
How treatment of medical debt may alter credit ratings, what the yield says about the likely of a recession (or not), and Apple's expansion in embedded finance with BNPL.
by Rich Edwards Jun 8, 2022
When averages can steer you into dangerous waters
by Rich Edwards Jun 3, 2022
The growing demand for personalized service, why personal efficiency is overrated, and what data really is and how is it useful
by Rich Edwards Jun 1, 2022
In developing your strategy and tactics, what limits your efforts?
by Rich Edwards May 27, 2022
Banking satisfaction, customer service and personalization, and a founder's story worth reading
by Rich Edwards May 25, 2022
What is the real value of attracting and keeping customers?
by Rich Edwards May 20, 2022
The difficulty of personalized customer experience, a new bank in Houston, and an investigative report into credit card fraud and bank liability.
by Rich Edwards May 18, 2022
Everyone isn't your customers
by Rich Edwards May 13, 2022
Embedded finance, getting your customers' perspective, and fintech's campaign against regulation.
by Rich Edwards May 10, 2022
Differentiating as an FI is more than the size of your marketing budget
by Rich Edwards May 6, 2022
Capgemini's World Banking Report, the rise of customer experience, and the CMO's role in delivering that.
by Rich Edwards May 4, 2022
With more functionality and options in marketing technology, comes more complexity and interoperability challenges
by Rich Edwards Apr 29, 2022
The lasting effects of the Durbin amendment for FI's and personalization in customer relationship growth
by Rich Edwards Apr 27, 2022
A progressive set of questions to ask to get real insight into your acquisition and retention results
by Rich Edwards Apr 22, 2022
New enablement for Fintech startups, who's buying what tech startup, and the newly emerging role for CMO and marketing leads
by Rich Edwards Apr 20, 2022
With more of you budget going into marketing technology, are you getting a return on that investment
by Rich Edwards Apr 15, 2022
Facebook is back at payments, brand marketing lessons from Chinese retailers, and the real value of data
by Rich Edwards Apr 13, 2022
Don't forget to use what you know in order to delight your customers
by Rich Edwards Apr 8, 2022
PenFed and personalization, a banking trend report worth reading, and understanding niche banking customers
by Rich Edwards Apr 6, 2022
How data can bring it all together for your customers
by Rich Edwards Mar 31, 2022
PwC's 2021 Digital Banking Survey, the growing imperative for personalization, and the strategy of affinity of Fintechs
by Rich Edwards Mar 30, 2022
Staying ahead by staying close to your customers
by Rich Edwards Mar 25, 2022
Amazon's strategy and acquisitions and how it may or may not be building a bank, Apple steps up payment offering, and the FTC's approach to algorithms built from illegal data
by Rich Edwards Mar 23, 2022
Seeing the whole picture of your customers
by Rich Edwards Mar 17, 2022
Debt collection as an entry into embedded finance for Fintech, the top M&A deals in banking, and a practical guide to A/B testing in your messaging
by Rich Edwards Mar 16, 2022
The low hanging fruit of understanding your customers
by Rich Edwards Mar 11, 2022
Customer review best practices, Uber's movement to super app, and First Principles
by Rich Edwards Mar 8, 2022
Are you the essential partner to your customers?
by Rich Edwards Mar 4, 2022
H&R Block dive (back) into deposit banking and Gartner's predictions on the most promising customer acquistions technologies in digital marketing
by Rich Edwards Mar 2, 2022
The dark funnel and why you don't even get a shot at most potential customers
by Rich Edwards Feb 25, 2022
The trouble with SMB banking clients and lessons in scaling marketing from Airtable
by Rich Edwards Feb 23, 2022
What factors will make the difference for banks
by Rich Edwards Feb 18, 2022
When is a payment transaction permanent and community banking's readiness to compete is a data rich and AI driven market
by Rich Edwards Feb 15, 2022
Is your customer experience working?
by Rich Edwards Feb 11, 2022
The Fed and Fintechs, Apple's fight with Facebook and your advertising budget
by Rich Edwards Feb 9, 2022
Why M&A may not be the best way to get ahead
by Rich Edwards Feb 4, 2022
Fintech drives VC boom in '21, BNPL and credit reporting
by Rich Edwards Feb 2, 2022
How early stage venture is making your job harder
by Rich Edwards Jan 28, 2022
Walmart buys more fintech, 7 pitfall to avoid with your brand, P2P for small FI's
by Rich Edwards Jan 26, 2022
considering your customer experience and where there's friction; it's more than just DAO
by Rich Edwards Jan 21, 2022
Growth in US deposit accounts targeted at the unbanked, getting more money for marketing, and change management models to help you lead
by Rich Edwards Jan 19, 2022
Finding customers that fit the ideal profile of who you serve isn't like finding a needle in a haystack; it's finding a needle in a pile of other needles.
by Rich Edwards Jan 14, 2022
Analytics as a core influence, CSFB kicks the can on financial data, and coaching as a manager
by Rich Edwards Jan 11, 2022
What really makes you stand out to your clients?
by Rich Edwards Jan 7, 2022
Personalization is worth an opt-in, and Fintech tops the charts in '21
by Rich Edwards Jan 5, 2022
Dear *|FNAME|*, making it personal, not personalized
by Rich Edwards Dec 16, 2021
Putting a Spine in Your Strategy, and Treating Your Customers Like They Have a Pulse
by Rich Edwards Dec 9, 2021
Fraud in Payments, Fintech predicts the decline of traditional banking, and Digital Superpowers
by Rich Edwards Dec 3, 2021
McKinsey draws a bright line between future growth and decline for banks
by Rich Edwards Nov 18, 2021
Payments, Amazon's partnership with Venmo, and Digital Superpowers
by Rich Edwards Nov 11, 2021
Analytics, machine learning, and other buzz words abound in strategy and customer insight, but what can you realistically expect to learn from your own customer data.
by Rich Edwards Nov 5, 2021
What innovation theory can tell us about tech today, the opportunity for it in consumer banking,
by Rich Edwards Oct 29, 2021
The state of fintech investment, Plaid gets into payments, and payments in general grows
by Rich Edwards Aug 1, 2021
In less than 9 years, CashApp became the 2nd largest consumer finance app in the world. But like many other Fintech apps, that growth exposes weaknesses that community banking can use their advantage.
by Rich Edwards Mar 3, 2021
Mark Arnold shares his insights and where community banks are missing opportunities for growth.
by Rich Edwards Nov 1, 2020
David Marco of EWSolutions shares the importance and best approaches to Data Governance and leveraging your company's data.
by Rich Edwards Oct 21, 2020
Gregg Margosian of Toshiba Global Commerce Solutions talks about making a career shift from technology to business.
by Rich Edwards Oct 1, 2020
Vince Padua of Axway shares insights on making your business 'Open' and ready to accelerate your digital innovation strategy.
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