Digital Banking Feature Prioritization in Small-to-Mid-Sized U.S. Credit Unions
Examining how specific digital features affect member engagement and satisfaction at credit unions under $10B in assets. Goal: a practitioner-oriented decision-support framework linking features to measurable ROI and member outcomes.
The Build/Buy/Partner Decision Framework for Credit Union Digital
A practitioner framework for evaluating digital capability investment decisions at community financial institutions — mapping vendor dependency, member impact, and competitive differentiation.
Dynamic Capabilities Theory: A Primer for CU Executives
Breaking down Teece, Pisano, and Shuen's framework and applying it to credit union digital strategy — sensing, seizing, and reconfiguring in a resource-constrained environment.
What the NCUA Call Report Data Says About Digital Investment Patterns
Analyzing publicly available NCUA Call Report data to identify patterns in technology investment across asset tiers — and what the efficiency ratio reveals about digital operating leverage.
Agentic AI in Financial Services: A Research Landscape Review
A survey of current academic and industry literature on agentic AI for marketing automation in small financial institutions — synthesized for practitioner application.
The Indirect Member Conversion Problem: Why the Math Doesn't Work
A practitioner-informed analysis of why converting indirect or BaaS members to direct, engaged members yields structurally poor results — and what this means for digital acquisition strategy.