Caroline Hroncich
Articles written by Caroline Hroncich
Why the Second Customer Account Is Harder to Win Than the First
One in five bank customers moved money out of their primary bank in the past three months. The next account often goes to whichever institution shows up when the customer needs it.
Supercharge Your Cross-Selling with Transaction Data-driven Insights
Spotting what a customer needs is the easy part. Timing the offer, measuring the return and engineering a repeatable motion is what builds growth.
Trigger-based Marketing Can Turn Customers into Growth Engines, If Your Data Cooperates
Most institutions can name the triggers that produce loans and deposits. Getting to the data behind them is where campaigns stall.
Why ‘Brand Awareness’ Budgets Are Losing Ground to Provable Return
Banks cut brand awareness to 17% of their 2026 budgets. Marketers should set the brand share first, then measure everything else.
Institutions No Longer Control Financial Education. Algorithms Do
Financial trust is increasingly built online. Institutions can stay relevant by putting employee expertise front and center.
How Contextual Customer Intelligence Powers Better Personal Finance
Context-aware banking applies AI and transaction data to create new customer insights, as well as new ethical challenges around data use.
