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Engaging Perspectives

Transforming Banking through Technology and Visionary Thinking

Strategy (3)

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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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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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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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

Why Understanding the Generational Shift in Banking is Key to Remaining Competitive

The banking industry is experiencing a shift in how its customers conduct their financial business. When the last of the Baby Boomer generation makes...

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3 min read

Increase Member Engagement with High-Value Credit Card Loyalty Programs

With as much as 40% of an institution's Net Interest Income coming from payments, banks and credit unions cannot afford to get it wrong.

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