When evaluating digital banking projects, many institutions get stuck asking, “What’s the ROI?” But the reality is, transformative investments often defy traditional financial modeling. This post explores why standard ROI frameworks fall short—and offers a smarter approach to prioritizing digital initiatives that are essential to long-term survival.
Many community banks believe their older customer base isn’t interested in digital channels. But this assumption often stems from anecdotal perceptions—not actual data. In this post, we explore why a branch-centric mindset may be blinding institutions to growing digital demand, and how banks can use behavioral data to better understand customer needs and plan for future growth.
Many business banks believe they’re insulated from digital disruption—but that’s a dangerous illusion. From rising funding costs and inefficient legacy processes to inadequate tech stacks and FinTech competition, strategic risks are growing. This post explores why a “wait and see” mindset puts business banks at risk—and what leaders can do to start transforming now.
Too many bank boards still reflect a bygone era—older, male, and lacking in diversity. That might have worked in the past, but today’s fast-changing world demands leadership that mirrors the communities it serves. In this post, I explore how board composition affects digital innovation, customer engagement, and long-term relevance—and offer practical steps to build a more representative and forward-thinking board.
After a recent board presentation, a community bank CEO asked me a tough but important question: Can we really catch up? In this post, I explore how bank leaders should weigh the decision to invest in transformation—or consider strategic alternatives if the challenges seem too great. For many, survival is possible—but only with bold leadership and a clear vision.
