The news: Over 38,600 residential structures were within the flood zone of the Guadalupe River disaster in Texas over July 4th, per Realtor.com. And the aftermath has revealed alarming gaps in locals’ insurance coverage. Our take: To close the gap, they must help customers understand the value of their services and what affects pricing. Insurers should: Build campaigns around why separate flood insurance is needed, educate consumers on the factors that influence flood insurance premiums, and highlight preventative measures homeowners can take to reduce flood risk.

The news: Anticipatory banking describes a bank predicting and meeting account holders’ needs before they are communicated, per a recent Alkami explainer. It uses integrated technology and data to bring personalization to the next level. Our take: Anticipatory banking is a fundamental shift FIs must make to stay competitive and relevant. By leveraging AI to predict customer needs, banks can move from reactive service to proactive engagement. The sooner they embrace this transformation, the better they will fit into their customers' evolving financial journeys

In this podcast episode, we discuss the importance of physical touchpoints for brands and explore what attracts younger generations to in-store shopping experiences. We also examine the expectations consumers have for engaging in person experiences. Join our conversation with Senior Director of Podcasts and host, Marcus Johnson, Chief Client Strategy & Integration; President of Quad Agency Services, Tim Maleeny, and Vice President of Content, Suzy Davidkhanian. Listen everywhere you find podcasts and watch on YouTube and Spotify.

The news: Virtually all community bank leaders (99%) see embedded finance as important for their institutions' long-term survival, with 60% considering it extremely important, per a recent study by Treasury Prime. Our take: Embedded finance is a popular and effective avenue for community banking growth—if pursued with careful consideration and a priority on compliance. And there's an opportunity to maximize marketing opportunities when entering such partnerships.

The news: A study commissioned by UK Bank TSB found that 55% of people who acted on financial advice found on social media lost money. This highlights the substantial risk associated with such advice and a real opportunity for banks to build brand trust online. Our take: Financial institutions (FIs) have a role to play in dispelling financial misinformation on social media. In addition, they have a chance to build trust with young social media users, especially when responding to viral trends with facts and informing consumers whether they should take the steps recommended in viral videos. Responding to viral trends in a meaningful way can boost brand awareness and cause social media users to turn to an FI first, before their favorite influencers.

The news: The stability of bank deposits (i.e., how likely they are to stay put) significantly changes over time, based largely on interest rates. Our take: This will force banks to adopt a more dynamic and strategic approach to marketing. It shifts deposit acquisition and retention from a passive activity to an energetic, competitive arena where compelling rates are a primary attraction, and trust, service, and holistic value are essential reinforcements. Banks should aggressively market competitive rates on high-yield savings accounts, money market accounts, and CDs. This is about clearly communicating the tangible benefit to the customer (e.g., "Earn more on your savings," "Watch your money grow faster").

Measuring creator performance is the top barrier to influencer marketing success (32%) for brand marketers worldwide, per an August 2024 CreatorIQ report.

In today’s episode, we talk about how AI has changed finserv’s approach to advertising and which areas of bank marketing will be affected the most. Join the discussion with host and Head of Business Development Rob Rubin, Analysts Lauren Ashcraft and Jacob Bourne.

The news: Seventy-one percent of US parents with children ages 1 to 17 give them an allowance, averaging $37 per week, per a recent Wells Fargo study. But not all are confident that they’re able to teach their children about banking or savings. Banks have a clear opportunity to support parents in teaching their children about money—and by doing so, they’re strengthening their ties with their next generation of customers. They should develop engaging, age-appropriate digital tools and educational content that simplify complex concepts and encourage responsible money management. Additionally, banks can offer resources and workshops for parents to equip them with the confidence and knowledge to guide their children's financial journeys.

On today’s podcast episode, we discuss the second biggest digital ad player’s (Meta) vision for the future of ads, if it will lead to money saved or more commercials, and why the 30-second AI-made TV ad for Kalshi matters more than most. Join Senior Director of Podcasts and host Marcus Johnson, Senior Director of Briefings Jeremy Goldman, and Principal Analyst Yory Wurmser. Listen everywhere and watch on YouTube and Spotify.

On today’s podcast episode, we discuss what area of people's lives artificial general intelligence (AGI) will change the most, the argument for AI developers asking permission from society to build these models, and when AGI might actually get here. Join Senior Director of Podcasts and host Marcus Johnson, and Analysts Jacob Bourne and Grace Harmon. Listen everywhere and watch on YouTube and Spotify.

The news: A recent study found 89% of consumers prefer affordable life insurance with shorter guarantees (to age 90) over “guaranteed-for-life” policies—once visuals and real-world comparisons clarified premium trade-offs. Flexibility and control in coverage and payments also ranked high. Insurers must stop defaulting to lifetime guarantees. Our take: Life insurers should reframe product education using visuals, dollar examples, and jargon-free language to communicate the cost-benefit of “lighter” options. Designing flexible, customizable life insurance policies will attract cost-conscious buyers and boost retention in a market shifting toward personalization and transparency.

On today’s podcast episode, we discuss our ‘very specific, but highly unlikely’ predictions for 2025. What would happen to the social media world if OpenAI bought Snap, what if Starbucks launched a Stablecoin, and why some companies might still want to buy linear networks. Join Senior Director of Podcasts and host Marcus Johnson, Vice Presidents of Content Suzy Davidkhanian and Paul Verna, and Principal Analyst Yory Wurmser. Listen everywhere and watch on YouTube and Spotify.

Retail media’s next phase will see billions of daily shopper signals paired with AI to fine-tune campaigns on the fly. Through consolidated buying, data collaboration, and transparent pricing, advertisers will have the ability to turn insights into measurement results.

The news: To effectively engage Gen Z, banks must offer more than just basic digital experiences. This generation demands instant gratification, expecting rapid account openings, quick loan decisions, and frictionless onboarding. Gen Z also prefers visual learning, gravitating toward video explanations and gamified education for financial literacy. Despite their digital fluency, they still value human connection for problem-solving, requiring quick access to live help. Our take: Banks should move beyond traditional "channels" or "products" and design a responsive, omnichannel ecosystem that delivers education, trust, and personalization in real time, fitting seamlessly into Gen Z’s lives.

A new poll finds consumers in the US and UK are almost evenly split—Gen Z is upbeat, Gen X is gloomy—amid a cost-of-living crunch and rapid tech gains. The results remind brand marketers that price, value, and purpose now collide at every purchase decision.

On today’s podcast episode, we discuss whether advertisers can still create powerful brand narratives in such a fragmented media universe, the best piece of advice for advertisers trying to negotiate a minefield of tariff-related changes, and how AI will impact advertising and marketing over the next 12 months. Join Senior Director of Podcasts and host Marcus Johnson, Vice President and Principal Analyst Jasmine Enberg, and Principal Analyst Sarah Marzano. Listen everywhere and watch on YouTube and Spotify.

Streaming now grabs nearly 44% of US TV time—mostly ad-supported—and more than half of marketers expect to raise connected TV (CTV) budgets in 2025, new research from Nielsen shows. As dollars flow from linear to streaming, unified cross-channel measurement is becoming the new must-have.

While performance marketing satisfies short-term goals, brand marketing supports long-term growth by building trust, credibility, and lasting differentiation in crowded markets. A new report from EMARKETER and StackAdapt shows a clear shift in how brands are approaching their marketing mix in 2025.