1 min read
Fabio Biasella: 11/6/25 5:00 AM
Rates may trigger some movement, but the surge in 38-year-olds will move the market.
2 min read
James White: 10/30/25 10:08 AM
Every decade or so, banking learns the same lesson in a new way. We panic too early, then act too late.
3 min read
Joe Dugan: 10/24/25 10:44 AM
The Spark That Started It All
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...
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...
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
Banks and credit unions have spent decades piling up customer and member data across cores, lending systems, digital platforms, and call centers....
3 min read
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...
2 min read
Fabio Biasella: 9/2/25 1:48 PM
The first half of 2025 is in the books. Credit unions managed the turbulence of these months with steadiness, showing modest but positive growth...
