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Engaging Perspectives

Transforming Banking through Technology and Visionary Thinking

Credit Card Portfolio

2 min read

Why Should a Financial Institution Consider Selling or Partnering with Third Parties on their Credit Card Program?

When we see organizations making promises about buying or sharing your credit card portfolio, we need to understand all aspects of the decision.

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1 min read

Two Economies, One Balance Sheet: Why Banks Must Serve Both the Haves and the Have Less

Consumer sentiment is drifting south again. The University of Michigan’s index fell six percent in August and sits nearly fourteen percent below last...

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2 min read

From Data Chaos to Clarity: How AI Makes CRM Worth Driving

Key Takeaways From This Blog: Despite billions invested in CRM platforms, most banks and credit unions still struggle with fragmented, unreliable...

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2 min read

AI and Gen AI for Identifying Fraud for Credit and Debit Cards

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...

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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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1 min read

Fair Banking for All: Implications for Credit and Debit Card Programs

"Fair Banking for All" is a strategic principle focused on ensuring equitable, inclusive, and transparent access to financial services. For credit...

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2 min read

Finding Balance: What Q2 2025 Data Reveals About Credit Union Performance

The first half of 2025 is in the books. Credit unions managed the turbulence of these months with steadiness, showing modest but positive growth...

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1 min read

CRM Shouldn't Be a Four-Letter Word

CRM was pitched as the brain of modern banking. Instead, it became a bloated filing cabinet that is expensive, unloved, overfed with bad data, and...

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Stablecoin Blog

2 min read

Stablecoin Strategy: Next Steps for Financial Institutions

Adapting to the digital currency landscape in the wake of JPMorgan’s Announcement

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2 min read

The Rise of AI Agents: A Strategic Signal for Financial Institutions

Mastercard and Visa both recently unveiled powerful AI-enabled advancements that will change the payments industry. These announcements are not just...

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