Behind the Numbers: The Banking & Payments Show

Latest Episodes:

The Banking & Payments Show: Money20/20 in 2023 | Oct 31, 2023 Oct 31, 2023

Show notes

On today’s podcast episode, we bring you the major themes that we witnessed directly from the Money20/20 conference in Las Vegas, Nevada. Recorded from the conference floor, we discuss the data and tech required to offer customers payments choices, expectations in embedded finance, and consumers’ privacy and trust. Tune in to the discussion with host Rob Rubin, our principal analyst Tiffani Montez, and Sean Welsh, senior vice president and managing director of financial institutions at Affinity Solutions.

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For a transcript of this episode click here:

https://www.insiderintelligence.com/content/podcast-banking-payments-show-money20-20-2023

Discover the future of banking with Affinity Solutions, a pioneer in consumer purchase insights. Using cutting-edge analytics, Affinity Solutions analyzes payment data to craft exclusive deals for financial service consumers based on their spending patterns. Each transaction with Affinity becomes a step towards understanding your customers deeper, curating rewards that genuinely resonate. It’s more than just banking; it’s an evolution to intelligent, personalized commerce. Transform your financial interactions with Affinity Solutions.

The Banking & Payments Show: Why Gen Z Will Swipe Right on Credit Unions | Oct 17, 2023 Oct 17, 2023

Show notes

On today’s podcast episode, we explore the problematic relationship between credit unions and Gen Z. • In our “Headlines” segment, we discuss an article from PYMNTS.com that revealed only 4% of Gen Z consumers bank with credit unions. • In “Story by Numbers,” we consider what credit unions can do to capture Gen Zers’ attention while working with tight marketing budgets, and which programs have helped Gen Z consumers manage their finances. • In “Actual CEO,” we discuss with our guest CEO what she is currently doing to engage with Gen Zers at her credit union. Listen to the podcast with host Rob Rubin and Tansley Stearns, CEO of Community Financial Credit Union. Articles mentioned in this episode: https://www.pymnts.com/credit-unions/2023/gen-z-is-only-4percent-of-credit-union-members-and-thats-a-problem/

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For a transcript of this episode click here:

https://www.insiderintelligence.com/content/podcast-banking-payments-show-why-gen-z-will-swipe-right-on-credit-unions

The Banking & Payments Show: Banking Through the Storm—Ad-Justing Strategies | Oct 3, 2023 Oct 03, 2023

Show notes

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. Reports mentioned in this episode: https://content-na1.emarketer.com/us-banking-digital-ad-spending-2023

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For a transcript of this episode click here:

https://content-na1.emarketer.com/podcast-banking-payments-show-banking-through-storm-ad-justing-strategies

The Banking & Payments Show: Swipe Right on Credit Marketing | Sep 19, 2023 Sep 19, 2023

Show notes

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. Reports mentioned in this episode: https://www.insiderintelligence.com/content/banks-view-of-marketing-function-hasn-t-kept-up-with-how-fast-it-s-evolving https://blog.kitcast.tv/best-bank-ads/ https://viewst.com/15-creative-bank-ads-examples/ https://contentworks.agency/7-banks-winning-at-social-media-in-2022/

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For a transcript of this episode click here:

https://content-na1.emarketer.com/podcast-banking-payments-show-swipe-right-on-credit-marketing?_gl=1*1uj0jnm*_ga*MTc1OTI2OTQ5LjE2NzEwNzIyNDA.*_ga_XXYLHB9SXG*MTY5NTM5NTg5MS4xNDUuMS4xNjk1Mzk4MTUzLjAuMC4w

TransUnion TruAudienceTM marketing solutions powers data-driven marketing and measurement with an end-to-end suite of identity resolution, data enrichment, credit marketing, audience targeting and advanced analytics solutions. As part of a global information and insights company, TransUnion supports over 5,000 financial institutions in the US.

The Banking & Payments Show: Credit Cards In The Era of Uncertainty | Sep 5, 2023 Sep 05, 2023

Show notes

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. Reports mentioned in this episode: https://content-na1.emarketer.com/credit-card-risks-darkening-economy https://content-na1.emarketer.com/macy-private-label-card-gets-pummeled

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For a transcript of this episode click here:

https://www.insiderintelligence.com/content/podcast-banking-payments-show-credit-cards-era-of-uncertainty

The Banking & Payments Show: How Banks Sell Trust | Aug 22, 2023 Aug 22, 2023

Show notes

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. Reports mentioned in this episode include: https://business.adobe.com/resources/infographics/make-or-break-trust-with-every-financial-experience/thank-you.html?faas_unique_submission_id=87756CE3-2EB1-C851-D140-DCDE9BDBBF4B https://www.bleepingcomputer.com/news/security/deutsche-bank-confirms-provider-breach-exposed-customer-data/ https://therecord.media/capital-one-ncb-management-services-data-breach https://www.adobe.com/go/trust

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For a transcript of this episode click here:

https://content-na1.emarketer.com/podcast-banking-payments-show-how-banks-sell-trust?_gl=1*1pa2wss*_ga*MTc1OTI2OTQ5LjE2NzEwNzIyNDA.*_ga_XXYLHB9SXG*MTY5MjcxODkwNC4xMjguMC4xNjkyNzE4OTA0LjAuMC4w

Adobe Experience Cloud gives you the power to enhance financial services and deliver confidence to every customer. Use advanced tools and data to target specific individuals, streamline content creation, and develop personalized experiences that are secure and build lifelong trust.

The Banking & Payments Show: Digital Account-Opening Trend | Aug 8, 2023 Aug 08, 2023

Show notes

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. Reports mentioned in this episode: https://content-na1.emarketer.com/us-account-opening-feature-demand-report-2023 From our sponsor: https://www.adobe.com/go/DT23FSI

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For a transcript of this episode click here:

https://content-na1.emarketer.com/podcast-banking-payments-show-digital-account-opening-trends

The Banking & Payments Show: Banking Trends to Watch for H2 2023 | Jul 25, 2023 Jul 25, 2023

Show notes

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. Reports mentioned in this episode: https://content-na1.emarketer.com/banking-trends-watch-h2-2023

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For a transcript of this episode click here:

https://content-na1.emarketer.com/podcast-banking-payments-show-banking-trends-watch-h2-2023

The Banking & Payments Show: Gen Z Unboxed—LOLFinTech! | Jul 11, 2023 Jul 11, 2023

Show notes

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.

Articles mentioned in today's episode:

https://content-na1.emarketer.com/apple-consumer-finance

https://content-na1.emarketer.com/embedded-pc-insurance

https://content-na1.emarketer.com/convenience-king-82-of-consumers

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For sponsorship opportunities contact us:
advertising@insiderintelligence.com

For more information visit: https://www.insiderintelligence.com/contact/advertise/

Have questions or just want to say hi? Drop us a line at podcast@emarketer.com

For a transcript of this episode click here:

https://content-na1.emarketer.com/podcast-banking-payments-show-gen-z-unboxed-lolfintech

The Banking & Payments Show: Crypto—Earth’s Heated Currency Gamble | Jun 27, 2023 Jun 27, 2023

Show notes

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.

https://www.instagram.com/behindthenumbers_podcast/

For sponsorship opportunities contact us:
advertising@insiderintelligence.com

For more information visit: https://www.insiderintelligence.com/contact/advertise/

Have questions or just want to say hi? Drop us a line at podcast@emarketer.com

For a transcript of this episode click here:

https://content-na1.emarketer.com/podcast-banking-payments-show-crypto-earths-heated-currency-gamble