On today’s podcast episode, we discuss how finserv digital marketers are incorporating credit marketing, even in top- and mid-funnel campaigns. • In our “Headlines” segment, we chat about the role of marketing as a revenue generator in banking—specifically, an article we published in August with results from an American Banker Association survey that stated 72% of marketing execs don't believe revenue generation is a part of marketing’s role. • In “Story by Numbers,” we examine the results of digital campaigns that revolve around credit marketing and the ROI in creating a unified, full-funnel marketing strategy. • In “Pretend CMO,” our guests have to thread together a multifaceted digital-only marketing campaign and discuss how it attributes ROI to the campaign's different digital channels. Tune in to the discussion with host Rob Rubin, our analyst Tiffani Montez, and Aundra Thompson, director of product strategy and strategic planning for marketing solutions at TransUnion.
On today’s podcast episode, we discuss the challenges the credit card industry is looking at over the next year. • In our “Headlines” segment, we focus on an Insider Intelligence article published at the end of August about Macy’s private label credit card sales and consider if it’s a harbinger of problems in the credit card industry overall. • In “Story by Numbers,” we center the conversation on what will happen to consumer credit card spending if—or when—there’s a recession. • And in “For Argument’s Sake,” we take up sides to discuss whether there will or will not be a recession, which is a critical issue for the credit card industry. Tune in to the discussion with host Rob Rubin and our analyst David Morris.
On today’s podcast episode, we examine how banks build and use trust to win new customers. Here’s a look at what we’re talking about: • In our “Headlines” segment, we discuss recent data breaches at banks and question what the difference is between a bank's security breach and a breach at a partner company’s system. • In “Story by Numbers,” we focus on personalization and reveal if it successfully engenders trust or just seems creepy. • In “For Argument’s Sake,” we ponder what would happen if banks were required to report to customers when they shared their personal information with third parties and how it would impact customers’ trust and banks' marketing campaigns. Tune in to the conversation with host Rob Rubin and our analysts Grace Broadbent and Tiffani Montez.• In our “Headlines” segment, we discuss how in-flight deposits and Gen Z will drive account openings in 2023 and to what extent new account openings are the result of high deposit rates and an incentive-laden environment. • In “Story by Numbers,” we examine how being able to set up direct deposit when consumers open checking accounts is extremely important and the importance of deposits being protected. • In “For Argument’s Sake,” we suppose there’s a new US banking regulation requiring all banking products to be applied for and opened online. We debate (nicely) how the industry dynamics would change if everything in banking were digitized and moved online. Tune in to the conversation with host Rob Rubin, managing principal of financial services consulting at EPAM Systems Alex Jimenez, and our analyst Tiffani Montez.
On today’s podcast, we are talking about digital account-opening trends, who’s opening bank accounts digitally, and what they want or expect when going through that process. Here’s a look at what we’re talking about this week: • In our “Headlines” segment, we discuss how in-flight deposits and Gen Z will drive account openings in 2023 and to what extent new account openings are the result of high deposit rates and an incentive-laden environment. • In “Story by Numbers,” we examine how being able to set up direct deposit when consumers open checking accounts is extremely important and the importance of deposits being protected. • In “For Argument’s Sake,” we suppose there’s a new US banking regulation requiring all banking products to be applied for and opened online. We debate (nicely) how the industry dynamics would change if everything in banking were digitized and moved online. Tune in to the conversation with host Rob Rubin, managing principal of financial services consulting at EPAM Systems Alex Jimenez, and our analyst Tiffani Montez.
On today's episode, we talk about the top three banking trends for the second half of the year that are identified in Insider Intelligence's latest report, Banking Trends to Watch for H2 2023. We discuss in detail banks' renewed focus on customer acquisition, how mergers and acquisitions have returned to the space, and in what ways banks have begun rolling out generative AI tools. Join the discussion with host Rob Rubin and our analysts Eleni Digalaki and David Morris.
On today’s episode, we discuss how Gen Zers are different from older generations in that a lot of their financial services product consumption will be embedded within non-financial service-specific experiences. In our "Headlines" segment, we examine how convenience plays a major factor into Gen Z decision-making. In "Story by Numbers," we discuss Gen Z’s use of Apple Pay in consumer finance and if consumers can find competitive prices while using embedded finance experiences. And in "For Argument's Sake," we debate if more than 10% of Gen Z or Gen Alpha will go their whole lives without establishing direct relationships with financial service providers. Listen in to the conversation with host Rob Rubin and our analysts Grace Broadbent and Eleni Digalaki.
On today's episode, we discuss the implications of the Federal Trade Commission thinking Amazon tricked customers into signing up for automatically renewing Prime subscriptions, whether it makes sense for companies to force livestream shopping on Americans, if speciality stores really work, the impact of Facebook and Instagram restricting news access in Canada, whether reduced inflation can save the day, what a real work-life balance looks like, and more. Tune in to the discussion with our vice president of content Suzy Davidkhanian, vice president of Briefings Stephanie Taglianetti, and analyst Evelyn Mitchell-Wolf.
On today’s episode, we discuss the environmental impact of blockchain technology and cryptocurrency mining. In our “Headlines” segment, we discuss the deal Bitdeer, a Bitcoin-mining company in Texas, had with the state when the power grid became distressed during the winter of 2021 and how crypto must overcome its reliance on old technologies that pollute the environment. In “Story by Numbers,” we discuss a 2022 report conducted by climate and economic researchers that estimates Bitcoin mining may be responsible for 65.4 megatons of carbon dioxide per year, comparable to the entire country of Greece. And in “What If,” we examine what would happen to crypto if governments around the world required carbon tax credits in order to operate and restrictions were put in place for the amount of energy crypto and blockchains consume. Join the conversation with host Rob Rubin and our analysts Jenna McNamee and David Morris.
On today’s episode, we discuss what bank CMOs want, the types of customers they are looking for, and if the marketing teams they lead are shifting focus from brand messaging and corporate communications to the middle and lower marketing funnels their product teams target. In our "Headlines" segment, we discuss how bank marketers are building campaigns to reach Gen Zers across the digital ecosystem. In "Story by Numbers," we review bank CMOs' acquisition strategies and their focus on the marketing funnel. And in "What’s Next," we chat about banks strategies to acquire new customers. Join the conversation with host Rob Rubin and Joseph Pagano, vice president of marketing solutions consulting services at TransUnion.
On today's episode, we discuss Apple’s dominance in the digital wallet arena. In our “Headlines” segment, we look at the ramifications of The Kroger Co.’s about-face on Apple Pay and how the EU is scrutinizing Apple Pay in its antitrust investigation. In “Story by Numbers,” we examine how Gen Z’s use of iPhones will keep Apple competitive in the digital wallet space and the success of Apple’s new savings account. And in our new segment, “What If,” host Rob Rubin presents a few hypotheticals and discusses what things would look like if they were true. Tune in to the discussion with our analyst David Morris.
On today’s episode, we look at the various angles of generative AI in banking. In our "Headlines" segment, we discuss regulators' urgency to install oversight over the rapidly advancing technology. In "Story by Numbers," we examine the percentage of executives that are not aware of how fast generative AI is coming, as well as discuss an old number that has been around the finance world for a while about human customer service agents versus bots. And in "For Argument's Sake," we take sides in the debate over whether generative AI will raise the bar or level the playing field for small and regional banks. Tune in to the discussion with host Rob Rubin, our analyst Eleni Digalaki, and vice president of content strategy Dan Van Dyke.
Today’s episode is all about the future of banking as a service (BAAS). In our "Headlines" segment, we use Railsr’s fall from grace to discuss how today’s economic uncertainty has slowed down the progress of embedded finance and BaaS. In "Story by Numbers," we examine a cornerstone advisor’s forecast of BaaS revenues in 2026 and how a 2022 study from Endava found that about half of fintechs are having scaling and platform issues with their BaaS providers. And in "Pretend CEO," we ask guest Leda Glyptis to pretend that she’s teamed up with a giant private equity firm with unlimited capital resources and a vision of building or buying her way to win a material share of the $25 billion of BaaS revenues in 2026. Join the fun with host Rob Rubin, our analyst Eleni Digalaki, and special guest Leda Glyptis, chief client officer at 10x Banking and author of the recently released book "Bankers Like Us."
On today's episode, we break down everything there is to know about banking and the Gen Z demographic. In our “Headlines” segment, we discuss the article our analyst Tyler Brown published a few weeks ago about Greenlight, a neobank for kids, teens, and families. In “Story by Numbers,” the conversation revolves around why Gen Z is different from other generations and how banks need to cater to their mobile preferences. And in “For Argument’s Sake,” host Rob Rubin takes the position that in 10 years, there will be fewer than 500 consumer banks. Tune in to the conversation between Rubin and analysts Tyler Brown and Tiffani Montez.
On today's episode, we dive deeper into the banking debacle created by Silicon Valley Bank’s meltdown in order to see what the path forward will look like. In our “Headlines” segment, we discuss the challenges startups that banked at SVB are currently facing and how some existing banks are treading lightly with SVB’s former customers—while others are embracing them. In “Story by Numbers,” we turn the spotlight toward consumer trust in banks. And in “For Argument’s Sake,” we debate whether fintechs will need to operate in an environment with more regulatory scrutiny. Tune in to the conversation between host Rob Rubin and our analysts Tiffani Montez and Jenna McNamee. Listen and subscribe today.
On this special bonus episode of "The Banking & Payments Show," we take a step back from the Silicon Valley Bank debacle to explore what’s on the horizon for the banking industry. In our "Trouble and Opportunity" segment, we examine the lasting effects from the banking failure (e.g., more regulation) and consider the trends that may arise from this crisis (e.g., more neobanks). Tune in to the conversation between host Rob Rubin and our analyst Tiffani Montez to hear what the path forward will be after the meltdown.
On today's episode, we discuss what happened to Silicon Valley Bank, its knock-on effect on the media and retail worlds, and how this is affecting advertisers. Tune in to the discussion with our director of Briefings Jeremy Goldman and analyst Jenna McNamee.
On today's episode, we explore the evolution of the payments ecosystem and discuss the trends to look out for in 2023. In our “Headlines” segment, we discuss (among other things) buy now, pay later; credit card fees; and crypto. In “Story by Numbers,” we examine payments at retail stores. And in “For Argument’s Sake,” we debate whether interest rate scrutiny by regulators will impact credit card rewards programs. Tune in to the lively conversation between our host Rob Rubin and analysts David Morris and Jaime Toplin.
On today's episode, we discuss the fintech investment trends of 2023. In our “Headlines” segment, we look into why 2022’s fintech investments were lower compared to 2021. In “Story By Numbers,” we question the lack of mega deals in 2022 and consider what they may look like this year. And in “For Argument’s Sake,” we focus on future investment strategies in terms of disruption. Tune in to the conversation between our host Rob Rubin, analyst Eleni Digalaki, and Alex Sion, managing director of Motive Create at Motive Partners.
On today’s episode, we discuss ChatGPT, generative AI, and AI’s role in banking. In our “Headlines” segment, we examine if 2023 is really going to be the year of the chatbot in banking. In “Story by Numbers,” we reconcile two sets of data to find out how valuable chatbots really are and forecast how many people will consider using a bank chatbot this year. And in “For Argument’s Sake,” we debate new ideas that you may not have thought of when it comes to AI in banking and generative AI. Tune in to the conversation between our host Rob Rubin, analyst Eleni Digalaki, and Victor Chatenay, strategy and innovation manager at NatWest.
On today’s episode, we investigate the changes and current issues plaguing the cryptocurrency industry. In our “Headlines” segment, we discuss the top crypto collapses of 2022. In “Story by Numbers,” we dissect a few data points that highlight the scope of the industry's fallout and its expectations in 2023. And in “For Argument's Sake,” we exchange our views on a few of the predictions that were recently made in the Insider Intelligence "Fintech Trends to Watch for 2023" report. Tune in to the conversation with host Rob Rubin, our analyst Grace Broadbent, and Simon Taylor, co-founder of 11:FS and head of strategy and content at Sardine.