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Achieve operational efficiency and an improved cardholder experience.

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Digital solutions to grow, scale, and outperform.
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Reliable, efficient, and integrated core platforms deliver results.
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Navigate this high stakes process with precision.
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Select modern communications channels to integrate with core and digital solutions.

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Support services for the strategic planning process at every level.

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Realize the key value drivers resulting from your merger or acquisition.

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Tailored metrics and benchmarks designed to assess relationships.

Organizational Efficiency

Enhance efficiency across branches, digital channels, and contact centers.

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Joe Dugan

Paper Tiger

3 min read

Digital Bank Brands: Deposit Growth Engines or Paper Tigers?

Picture of Joe Dugan Joe Dugan: 10/24/25 10:44 AM

The Spark That Started It All

Technology Strategy Digital Banking
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Sears and Amazon

2 min read

How the Histories of Sears and Amazon Can Inform the Future of Financial Institutions

Picture of Joe Dugan Joe Dugan: 10/2/25 1:24 PM

At one time, Sears was unstoppable. Its name stood alongside America’s industrial greats. It built the tallest building in the world. It sold...

Strategy Strategic Planning Organizational Efficiency
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3 min read

Organizational Efficiency in Banking is Not About Downsizing, it’s About Alignment.

Picture of Joe Dugan Joe Dugan: 9/11/25 2:39 PM

After 30 years in this industry, I’ve seen “efficiency” become synonymous with downsizing. Since the early ’90s, when efficiency was only considered...

Strategic Consulting Strategy Organizational Efficiency
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