Our blog is dedicated to sharing our thoughts and expertise about the banking industry and how you can experience quantifiable results for your financial institution. We invite you to hear the perspectives from our banking professionals through our posts.
Whether evaluating a core provider, preparing for a contract renewal, assessing vendor performance, or considering new technology investments, leaders at community financial institutions are often asked to balance competing priorities while making decisions that will impact their organization for years to come. In that environment, it’s understandable that banks feel pressure to move quickly. Existing frustrations, vendor proposals, […]
While technology, digital banking and economic uncertainty continue to dominate industry conversations, many bank leaders agree their biggest competitive challenge isn’t technology—it’s people. In fact, a recent study confirmed that 36% of community banks identify talent acquisition and retention as a top concern, with nearly 1 in 4 community banks reporting difficulty attracting compliance and […]
Check fraud remains one of the most persistent and costly threats facing community banks and their business customers. According to Bank Director’s 2026 Risk Survey, 99% of respondents reported that their bank or its customers had been directly impacted by check fraud over the past 18 months. Additionally, the Association for Financial Professionals’ 2026 Payments […]
For many community banks, few phrases carry more weight or anxiety than “core conversion.” The mental image is familiar: long weekends, strained teams, frustrated customers, and months of cleanup. That reputation has become a kind of self-fulfilling prophecy, leading institutions to delay decisions, renew contracts out of inertia, or avoid the conversation altogether. That instinct […]
Project management in today’s banking environment is no longer an add-on, back-room function—it is a strategic discipline that directly impacts performance, profitability and long-term success. From core conversions and M&A integrations to product launches and process improvements, every initiative impacts the organization’s future. Yet despite the stakes, only 35% of projects are completed successfully on […]
Change happens. How you plan for it and prepare your team is ultimately the key to success or failure. Particularly as leaders consider evaluating new solutions–whether it is the bank’s core solution or ancillary solutions–the assumption should be that there is potential for change to occur. To manage that change effectively, it’s beneficial to ensure […]
Bank growth shouldn’t be measured by asset size alone. As institutions expand, whether organically, through acquisition or by deepening market presence, the real question becomes: Is our growth profitable, sustainable and aligned with who we are as a bank? Today’s environment requires more than adding depth to the balance sheet. It requires a clear strategy, […]
Just as you wouldn’t try to sell a hamburger to a vegan, banks shouldn’t waste valuable time and resources marketing their products to a segment that will never want them, no matter how good they are. Even the best marketing campaign can fail if it’s aimed at the wrong audience! For community banks, employing a […]
If you could articulate one common goal shared by most businesses today, it can probably be summed up in one word: Growth. But what does “growth” mean and what does it look like in practice? What is the best way to achieve growth? It may seem counterintuitive, but sometimes an organization needs to shrink to […]
In today’s world, community financial institutions find themselves at a crucial crossroads: how to combat escalating fraud risks without sacrificing growth, customer experience, and ultimately profitability. The task is not just to minimize fraud losses, but to do so without costing the bottom line. Striking this balance is essential because effective fraud management is no […]
Contains information related to marketing campaigns of the user. These are shared with Google AdWords / Google Ads when the Google Ads and Google Analytics accounts are linked together.
90 days
__utma
ID used to identify users and sessions
2 years after last activity
__utmt
Used to monitor number of Google Analytics server requests
10 minutes
__utmb
Used to distinguish new sessions and visits. This cookie is set when the GA.js javascript library is loaded and there is no existing __utmb cookie. The cookie is updated every time data is sent to the Google Analytics server.
30 minutes after last activity
__utmc
Used only with old Urchin versions of Google Analytics and not with GA.js. Was used to distinguish between new sessions and visits at the end of a session.
End of session (browser)
__utmz
Contains information about the traffic source or campaign that directed user to the website. The cookie is set when the GA.js javascript is loaded and updated when data is sent to the Google Anaytics server
6 months after last activity
__utmv
Contains custom information set by the web developer via the _setCustomVar method in Google Analytics. This cookie is updated every time new data is sent to the Google Analytics server.
2 years after last activity
__utmx
Used to determine whether a user is included in an A / B or Multivariate test.
18 months
_ga
ID used to identify users
2 years
_gali
Used by Google Analytics to determine which links on a page are being clicked
30 seconds
_ga_
ID used to identify users
2 years
_gid
ID used to identify users for 24 hours after last activity
24 hours
_gat
Used to monitor number of Google Analytics server requests when using Google Tag Manager
1 minute
Clarity is a web analytics service that tracks and reports website traffic.