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