Data-Aware Is Not Data-Driven
Channel migration data at CFIs surfaces real signals — digital refugees, cooling relationships, cross-sell windows. Most institutions see them and act on none.
Tagged “analytics”.
Field notes on decision governance — who decided, on what basis, with what authority — for banks, credit unions, and the examiners who ask.
The Insight Graveyard
Credit union analytics investments are working. The insights they produce still die in quarterly meetings. Three accountability gaps explain why nothing changes.