1.) Education refinance loan marketing set to rebound?

2.) Consumers react to student loan forgiveness

3.) Cash back and near prime products dominate credit card mail

1.) Fintechs dominate personal loans

2.) Consumers respond to higher interest rates

3.) Direct mail volume higher than pre-pandemic levels

1.) Consumers prefer to have most banking products with one bank

2.) Mega mailers leave growth opportunity for regional banks

3.) Consumer financial marketing maintains upward trend

1.) Online savings accounts awaken

2.) Card originations reach decade high

3.) Credit card portfolios are healthy

4.) Marketing spending at pre-pandemic levels

1) BNPL asset quality watch

2) Home equity and personal loan marketing soars

3) Consumer interest for cards and HELOCs grows

1) Comparison sites drive fintech growths

2) Consumers love Visa and Mastercard

3) Digital marketing soars

1) Personal loan market fully recovered

2) Credit card sector in good health

3) Direct mail still dominates

1) Neobank growth surge

2) Ease of use drives neobank popularity

3) Highest credit card mail volume in years

1) Will the credit environment ever return to “normal”???

2) Epic predictions!

3) Solicitation volumes remain sluggish

1) Tidal wave of new credit card products

2) Cash back and specialized spending bonuses popular with consumers

3) Non-card products lagging

1) BNPL-ooza

2) BNPL growth continues

3) Bank-branded cards dominate the mail

1) Card balance growth finally turning the corner

2) College students are savvy loan shoppers

3) New bank overdraft products gaining traction

4) Consumer lending mail volume still sluggish

1) Activity in the HELOC market

2) Card mail volume continues to climb

3) Ed refi poised for growth

1) Personal loan applicants like branches

2) Credit card competition surges

3) Ad spending for some products still recovering

4) Is there a hotter new product than BNPL?

1) Consumers still value travel rewards cards

2) Competition in the credit card sector is back

3) Personal loan issuers remain hesitant

1) Younger consumers like “pre-qual”

2) HELOC lenders still scarred from 2009

3) Credit card mail volume soars, other products lag

4) Overall financial services ad spending still recovering

5) Consumer loan credit criteria loosens

1) Consumers like digital banking

2) Lenders re-entering the market

3) Overall financial services ad spending still recovering

1) One year later…

2) What’s going on with credit card growth?

3) Online savings rates showing no love

1) Financial services ad spending rebounds

2) Visa and Mastercard issuers shrink in 2020

3) Millennials bank just like us

4) Cash-back credit cards are in vogue

1) Younger consumers more likely to switch primary banks

2) Personal loan mail volume plateaus

3) Large issuer card mail volume approaching pre-COVID levels

1) Surprising credit card preferences for younger consumers

2) Younger consumers prefer choice in personal loans

3) Consumer spending binge in late 2021?

1) HELOC poised for growth?

2) Personal loan growth sluggish

3) Cash back cards dominate the mail

1) Stimulus payments continue to boost consumers’ finances

2) Financial services ad spending still lags

3) Three predictions for 2021

1) Why delinquencies remain low and payments high

2) Co-branded credit card mail volume rebounds

3) Personal loan mail volume – more of the same

1) Big credit card opportunity for retail banks!

2) Financial services digital advertising grows

3) Credit card metrics returning to “normal”

1) Credit card mail volume continues to normalize

2) Personal loan mail volume recovery stalls

3) Financial services marketing coming back to varying degrees

1) Consumers like aggregators!

2) Future credit card delinquency trends

3) Direct mail delivery slows down

1) Travel rewards cards are not dead!

2) Checking and savings acquisition spending picks up

3) Student lending originations slightly down?

1) American Express sets the pace

2) Personal loan mail volume lags

3) What’s on the horizon for asset quality?

1) Point of Sale (POS) lending is growing

2) Education lending bucks the downward trend

3) No movement yet on card or loan delinquencies

1) Credit card mail volume recovering

2) Personal loan mail volume steady

3) Acquisition spending up across products and channels

1) Consumers increasingly use personal loans for home improvements

2) Local banks are a surprisingly popular choice for personal loans

3) Credit card delinquency continues to defy gravity

1) Personal loan online acquisition perked up in July

2) Credit Card mail volume edges up

3) Student loan acquisition unfazed by the pandemic

1) But what about the mail?

2) Credit card balances continue to shrink

3) Consumer spending is back, but different

1) Areas of opportunity for local banks

2) Advertising spend down across channels

3) Auto insurance spending won’t slow down…

1) Consumers rarely switch checking accounts – branches matter

2) Is small business lending headed for a repeat of ’08/’09?

3) Early post-forbearance delinquency holding up, balances drop

1) Credit card mail volume continues to drop

2) Personal loan mail volume is also low

3) Student and education refi volumes are a bright spot

4) Lower marketing expense will impact future growth

1) Consumer lending executives are cautiously optimistic

2) Student lending activity still lags

3) Further signs of life in credit cards…

1) Marketing spend is down across all channels and categories

2) Travel reward card issuers respond to a challenged value proposition

3) Delinquency finally starts ticking up…