Author: Nicole Johnson

“Coupon Book” Card Marketing

“Coupon Book” Card Marketing

Although Gen Zers are responsive to premium cards, various earning reports indicate that that they are also value-focused and eager to "do the math." To help justify steep annual fees, portfolio managers have focused on encouraging premium cardholders to take advantage of a barrage of statement credits, now often referred to as the new "coupon book."

Why FS Marketers Can’t Ignore Direct Mail: Takeaways from Lob’s 2026 Consumer Report

Why FS Marketers Can’t Ignore Direct Mail: Takeaways from Lob’s 2026 Consumer Report

Too many FS marketing plans treat direct mail as optional. Consumers don't. That's our read on Lob's State of Direct Mail: Consumer Insights 2026, an online survey of 2,000 U.S. adults conducted in July 2026. Four findings stood out to us: (1) Economic pressure is changing how people read their mail, (2)"Personal" means something different to each generation, (3) The mailbox is still a daily habit, and (4) Trust in direct mail is growing.

Card Opportunity: Squarely in the Middle

Card Opportunity: Squarely in the Middle

The last year was dominated by the overhaul of premium credit cards and their corresponding marketing campaigns. Big players contemporized products by refreshing them for a new generation, adjusting annual fees upwards, and either adding new perks or "zhushing-up" existing perks. This included heavy-hitters Chase (Sapphire Reserve) and American Express (The Platinum Card) among others. Recent new entrants (i.e. Robinhood, Bilt) suggest an unstoppable focus on the super prime segment.

Small Business, Big Opportunity: Understanding the SBO Segment in 2026

Small Business, Big Opportunity: Understanding the SBO Segment in 2026

Small business owners have always occupied a unique space in the financial services landscape- different from standard consumer products, yet often too small to access the tools built for corporate clients. But in 2026, that gap appears to be closing. New research reveals a segment defined by ambition, self-reliance, and a growing frustration with the status quo. Understanding what drives SBOs (their mindset, their pain points, and the opportunities they represent) is the first step toward building messaging and products that resonate.

Spilling the Tea: Fintech and Bank Marketing Envy

Spilling the Tea: Fintech and Bank Marketing Envy

Banks and fintechs vie for the same users but play off different strengths. But what if they could work together to harness their full potential? We've outlined six fintech marketing practices traditional FIs may want to borrow.