On today’s podcast episode, we discuss how banks are adjusting their ad spending in a world with high rates, economic turmoil, and a shift to digital advertising. • In our “Headlines” segment, we dig deep on a recently published Insider Intelligence report covering our forecasts for ad spending by US banks and credit unions. • In “Story by Numbers,” we discuss how fewer mortgages are affecting banks' net interest income and what that means for their marketing budgets. We also examine Ally Bank’s increased ad spending. • In “For Argument’s Sake,” we talk about how large banks are doubling down on digital ad spending while smaller institutions are cutting their spending, which could lead to the eventual demise of smaller traditional banks. Tune in to the discussion with host Rob Rubin and our director of forecasting Oscar Orozco.

FIs must prioritize inclusion of the booming Latino community, which faces barriers in traditional banking—but shows high fintech engagement.

Whether consumers prioritize trust, data protection, or convenience depends on their credit scores, underscoring the need for financial institutions to combine these elements and target their marketing efforts.

AI-focused fintechs offer small FIs less-powerful solutions than their larger counterparts—if they work with them at all.

Community banks and credit unions are spending their tech budgets on fintech solutions that improve their operational efficiency.

Here’s what credit unions need to do to reverse a drop in member satisfaction.

The pandemic is pushing consumers into digital banking channels, upping pressure on small and midsized banks to deliver value-added services and digital user experiences. They have to find ways of doing so on limited tech budgets to stay competitive.