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Engaging Perspectives

Transforming Banking through Technology and Visionary Thinking

Strategy

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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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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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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Lost Clients and Lost Revenue

1 min read

When Handle Time Hurts: The Hidden Risk in Call Center Engagement

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...

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AI Wallet

1 min read

AI Agents Just Got a Wallet: What That Means for Banks and Credit Unions

Google, Mastercard, PayPal, American Express, and Coinbase quietly changed the script last week. They rolled out theAgent Payments Protocol, which...

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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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