Tim Keith and Dan Marks discuss how smart banks and credit unions are able to apply practical analysis to create a data driven strategy that results in reaching funding goals and relationship growth goals at a lower total cost than other alternatives.
Macro trends from across peer banks and credit unions
Similarities and differences from prior rate cycles going back to the 1970s
Differences between relationship and prospect driven approaches
Janelle Herrera, the head of Marketing and Business Development at OnTap Credit Union talks with Dan Marks about OnTap’s unique mission tied to their roots and it focuses the growth strategy. Dive into the history at the bottom of the bottle on this fascinating Podcast episode of Top Quartile.
How OnTap Credit Union was founded
What exactly is ‘beer culture,’ and how it relates to the credit union’s roots
Where Janelle prioritizes the growth strategy
Leveraging data analytics to inform strategy
Engaging the community in unique ways
Best practices at OnTap Credit Union
Words of advice that Janelle would give to her younger self
Gentry Moyes, Head of Paid Media at Mountain America Credit Union, goes behind the scenes with Dan Marks to unpack the who, what, and why of the MACCEE award winning campaign that Mountain America recently wrapped up that used influencers to authentically promote the, ‘My Style,’ checking product.
Gentry’s background and current role at Mountain America Credit Union
What growth has been like recently at Mountain America Credit Union
Winning the MACCEE award at the premier Marketing Association of Credit Unions MAC event
How the campaign came together
The spark of inspiration based on mountains of analysis
Going behind impressions to track the impact of the campaign on actual sales results
What is next for his award-winning campaign
Key lessons learned on managing the full campaign lifecycle from idea to tracking
Jeff Keltner joins Dan Marks in this episode of Top Quartile to discuss credit, digital lending, and how to use data in new ways to expand access to credit. Jeff is the Senior Vice President of Business Development at Upstart and has a Computer Systems Engineering Degree from Standford.
Upstarts background and what need it fills
How new data sources can expand access to credit while still managing risk
How the changing economy and interest rates have affected the lending marketplace
The impacts on demand, fixed term, fixed rate, and if they are helping demand
How the branch channel is changing and the role it still plays in an omni channel world
Trends in financing and refinancing
Changes in consumer behavior and upcoming technology
The future of digitalization and the challenges we face with it