Zac Garver
August 6, 2018
Businesses rely on the internet to handle communication and commerce. People rely on it for entertainment, shopping, education, work, as well as interacting with others on social media platforms. In many ways the digital world mirrors our physical lives, in other ways, it looks nothing like them (ever tried online dating?). It’s important that businesses […]
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July 13, 2018
The numbers are compelling and scary — community financial institutions are in serious danger of losing a quarter of their core deposits in the next 4-5 years. What’s the cause? Aging account holders who are coming to the end of their lives. It’s not a pleasant thought, but it’s a reality in which banks and […]
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June 6, 2018
In “Forrest Gump” the main character, for whom the movie is titled, offers chocolate to a stranger and recalls a piece of wisdom from his mother: “Life is like a box of chocolates, you never know what you are gonna get.” But today we’re talking about the world of banking, so let’s reframe the statement […]
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May 29, 2018
If you had a crystal ball to peer into the minds of consumers, what would you look for? If you work for a community financial institution, two might pop into your mind: How soon will they need a mortgage, retirement fund, or insurance? What product feature or benefit do they secretly wish for? Every year […]
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May 7, 2018
Generation Z (Gen Z) is your greatest opportunity, both as new account holders and talent for your workforce. While Millennials are a crucial market for community financial institutions, the subsequent generation (Z) is taking their first steps into adulthood, and they need financial partners. Loosely defined as anyone born between 1995 and 2015, “this group […]
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March 25, 2018
On its surface, the principle of marketing segmentation is simple: divide your potential audience into smaller groups so you can deliver a tailored message just to that group. Segmentation opens up a world of benefits for your institution and for your target audience. By delivering relevant messages to consumers, you build trust and garner an […]
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March 16, 2018
For all the buzz among bank and credit union executives regarding the acquisition of deposits, assets, or even another institution, they’re missing one of the most important acquisitions a business can make. And it could be a terminal mistake. I’m talking about talent acquisition. Particularly Millennial talent. This isn’t just about balancing the number of […]
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March 8, 2018
It’s 11:57 pm and you check your phone one last time before bed. Your Facebook feed has been blowing up since 11:57 last night. Even near-strangers posted “Happy birthday!” on your Facebook wall — but your mother didn’t call. How could she forget? Well, she is human, after all. And in reality, most of your […]
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