Tim Keith and Dan Marks discuss how smart banks and credit unions are able to apply practical analysis to create a data driven strategy that results in reaching funding goals and relationship growth goals at a lower total cost than other alternatives.   

• Macro trends from across peer banks and credit unions 
• Similarities and differences from prior rate cycles going back to the 1970s 
• Differences between relationship and prospect driven approaches 
• How personalized digital media changes the game 
• Key lessons learned and practical examples