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Joe Dugan

Paper Tiger

4 min read

Digital Bank Brands: Deposit Growth Engines or Paper Tigers?

Key Takeaways From This Blog: Inspired by early successes like Chime and Marcus, dozens of community and regional banks launched digital-only brands hoping to attract nationwide deposits. Yet few scaled successfully, less than one in five surpassed...

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Sears and Amazon

2 min read

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

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

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3 min read

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

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

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