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Engaging Perspectives

Transforming Banking through Technology and Visionary Thinking

Embedded Lending

1 min read

Walmart and Lendistry Partner to Offer Small Businesses a Lending Option

A New Era of Embedded Lending for Small Businesses In a move that underscores the rapid evolution of embedded finance, Walmart has announced a partnership with Lendistry, a fintech Community Development Financial Institution (CDFI), to offer small...

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Universal Banker

2 min read

The Digital Universal Banker, Now with Instant Rails

A client recently asked me how banking roles and organizational structures should evolve as so much engagement shifts to digital, while consumers...

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Crypto Currency

2 min read

Mastercard’s Acquisition of Zerohash: The Crypto Strategies Behind Mastercard and Visa

As digital assets quickly evolve, Mastercard and Visa, the two global payment titans, are taking distinctly different approaches to the crypto...

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AI Agent Admin

3 min read

AI Isn’t One and Done: Banks Need an Agent Admin Before They Need Another Model

Key Takeaways From This Blog: AI isn’t static software, it learns, drifts, and changes over time. Treating it like a plug-and-play tool is a mistake....

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Interchange Fee

2 min read

What the Visa–Mastercard Interchange Fee Settlement Means for the Future of Payments

Key Takeaways From This Blog: Visa and Mastercard’s agreement ends a decades-long antitrust dispute and introduces structural reforms that lower...

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Community Bank Vs Large Bank

4 min read

Why Community Banks Must Win on Efficiency Now by Becoming Truly Nimble

Key Takeaways From This Blog: The Huntington Bancshares acquisition of Cadence Bank, creating a $258B-asset institution, highlights a powerful trend:...

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mergers

3 min read

Mergers & Acquisitions: Aligning People, Technology, and Purpose

This insightful discussion comes from a Leaders Give Back podcast episode with Executive Affiliate, Gene Pelham, former CEO of Rogue Credit Union.

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Mortgage Market

2 min read

Mortgage Rate Movement and Retail Bank Strategy: When 6.35% Looks Like Opportunity

Key Takeaways From This Blog: Mortgage rates still matter, but they’re no longer the primary force shaping the market. The real catalyst is...

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Amaras law

3 min read

Amara’s Law and the Fear That Stalls Banking’s Future

Key Takeaways From This Blog: Each wave of innovation, online banking, mobile, now AI, follows the same cycle: hype, hesitation, and eventual...

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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...

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