3 min read
James White: 10/30/25 10:08 AM
Key Takeaways From This Blog: Each wave of innovation, online banking, mobile, now AI, follows the same cycle: hype, hesitation, and eventual reinvention by the few who persist. The institutions that thrive are those that plan through uncertainty,...
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4 min read
Joe Dugan: 10/24/25 10:44 AM
Key Takeaways From This Blog: Inspired by early successes like Chime and Marcus, dozens of community and regional banks launched digital-only brands...
1 min read
Fabio Biasella: 10/17/25 11:49 AM
A member or customer calls with a question about their account. They wait one minute to speak with a person. The conversation takes five minutes. The...
1 min read
James White: 10/10/25 11:21 AM
Google, Mastercard, PayPal, American Express, and Coinbase quietly changed the script last week. They rolled out theAgent Payments Protocol, which...
3 min read
Virginia Heyburn: 10/7/25 1:42 PM
These timeless lessons surfaced from a podcast discussion with John Cassidy, former CEO of Sierra Central Credit Union, Cathy Pace, former CEO of...
2 min read
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...
2 min read
Dr. Art Harper: 10/1/25 2:25 PM
When we see organizations making promises about buying or sharing your credit card portfolio, we need to understand all aspects of the decision.
1 min read
Fabio Biasella: 9/25/25 11:34 AM
Consumer sentiment is drifting south again. The University of Michigan’s index fell six percent in August and sits nearly fourteen percent below last...
2 min read
James White: 9/23/25 3:10 PM
Key Takeaways From This Blog: Despite billions invested in CRM platforms, most banks and credit unions still struggle with fragmented, unreliable...
2 min read
Dr. Art Harper: 9/17/25 1:39 PM
Fraud is evolving as quickly as the payments landscape itself, and credit and debit cards remain a prime target. For banks and credit unions, staying...
