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Swimming In Deposits But Feeling The Heat

Thanks to stimulus funds in consumer bank accounts and massive injections of cash into the economy by central banks, most banks have more
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Improving Card Performance In Challenging Times

In 2021 financial institutions are experiencing reduced revenue from their card portfolios as balances are paid down by consumers. Looking
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The Evolution Of Credit Cards: 2021 Edition

In the modern history of credit, we have never seen every component be disrupted and certainly not by a global health crisis? Three big
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What 2020 Taught Us

Pre-pandemic predictions for 2020 played out in a variety of ways as banks adapted to unfolding events with varying degrees of success. See
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Are you getting the help you need?

Consumer spending is not expected to recover measurably in the near term so banks now face a longer runway of diminished business activity
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Winning the Transaction

2020’s holiday shopping experience will be a new normal. Consumers are adapting, embracing new ways of transacting. Are you ready?
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Is your CX truly without friction?

“Everything can be done online or via mobile” is what customers hear, but actual experiences can quickly become a point of friction.
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Banking...Still at The Crossroads?

Consumer spending is down. Profits and margins are near all-time lows. What should banks do?
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Being a Consultant During a Pandemic….

Just about everyone on our team has been in consulting for many years – in some cases decades - and have seen how markets change,
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Behavioral Economics or Behavioral Health ?

In 2002 psychologists Daniel Kahneman and Amos Tversky won a Nobel Price for their work in developing the Prospect Theory in the late 70’s
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