Posted7/10/2025 11:52:12 AM

https://klarivis.com/insight/article/chime-ipo-proves-data-still-wins/?&utm_sour...

Three years ago, we wrote about data being the most valuable asset banks had to strengthen customer relationships. We pointed to Chime — not a bank, but certainly banking-adjacent — as the canary in the coal mine. While community banks were untangling month-end reports, Chime was out-acquiring the rest of the industry. Not because of its charter, but because of its customer data and insights.

Fast forward to June 2025: Chime IPOs at an $11.6 billion valuation. Their revenue climbed to $1.67 billion in 2024. Losses tightened. Products expanded. Customers? Still signing up by the millions. And they did it without a banking license.

Let that sink in.

Not a bank…but pretty good at “banking”

Chime’s filing made many things apparent, one being that the company isn’t just serving lower-income customers anymore. It’s now targeting customers earning under $200,000 — the same future customer base community banks count on to be a high-net-worth or even ultra-high-net-worth customer...

Posted7/3/2025 1:05:17 PM

https://klarivis.com/insight/article/the-problem-with-volume-metrics/?&utm_sourc...

For years, volume has served as the default measure of officer performance in community banks. Loan production, deposit growth, accounts opened (remember Wells Fargo, folks?). These numbers are easy to quantify and quick to report. They’ve shaped compensation, fueled strategy, and filled board decks because they’re graspable on most levels.

But here’s the issue: volume doesn’t tell you what’s working. And in a margin-compressed, rate-sensitive environment, it’s not only an incomplete metric — it’s potentially a misleading one.

Why Volume Can’t Be the Entire Story
Picture this: two lenders each post $20 million in production. On paper, their contributions are equal. But one lender focused on price-sensitive real estate deals with thin spreads. The other booked a diverse portfolio of higher-yielding C&I loans with deeper relationships and stronger cross-sell potential.

Let’s take it a step further. Imagine two $5 million loans, both fully funded on the same day with the same...

Posted7/1/2025 12:06:59 PM

https://klarivis.com/insight/article/ten-years-later/?&utm_source=association&ut...

Ten years ago today — on June 30, 2015 — I walked out of Valley Bank for the last time. The legal close of the sale was the next day, July 1, but for many of us, that chapter ended the day before. Most of my colleagues had already found new roles. I hadn’t. I didn’t yet know what was next.

What I did know was that I was heartbroken.

As CFO, I’d had nearly 10 months to come to terms with the bank’s sale, and I had worked tirelessly to help make the transaction successful. But nothing prepared me for the personal loss that followed. I loved that job — deeply. I “drank the Kool-Aid” every single day. I believed wholeheartedly in the work we were doing. I loved our team. I loved our mission. I loved the impact we made by working side-by-side with small business owners and lending directly into the community to help it grow and thrive.

That experience shaped me. And I wasn’t ready to completely say goodbye to it.

Posted6/25/2025 5:28:09 PM

https://klarivis.com/insight/article/what-is-a-business-intelligence-platform

Community banks face mounting pressure: tightening margins, fierce competition, and rising operational complexity. In this environment, clarity is currency — and a Business Intelligence (BI) platform is how banks can earn it.

Institutions that turn data into action will (and currently do) outperform peers in profitability, agility, and leadership. Those who delay risk falling behind.

There’s often confusion between a business intelligence platform and general data analytics tools. Analytics tell you what happened. A BI platform structures that data in a way that makes it usable — fast, visible, and consistent across your organization. KlariVis does both: it organizes and delivers data in a way that’s clear, timely, and accessible and helps leaders identify trends, align priorities, and act quickly with confidence.

The demand is clear. According to Bank Director’s 2024 Technology Survey, 80% of financial institutions have actively discussed allocating budget to data analytics...

Posted6/17/2025 8:54:50 PM

https://insights.klarivis.com/whitepaper-unlocking-transactional-intelligence?&u...

Every swipe, transfer, and deposit holds insight into your customers’ needs, behaviors, and financial relationships. Yet for many institutions, this data remains fragmented, buried in core systems, or too messy to act on.

In this exclusive white paper from KlariVis, you’ll learn how forward-thinking banks are turning transactional chaos into clarity. By enriching and visualizing transaction data, institutions are uncovering outflows, identifying new revenue opportunities, and equipping teams across the bank with actionable intelligence.

What you'll learn in this white paper:
- How enriched insights support deposit growth, customer engagement, and strategic planning
- The operational and cultural challenges that keep transactional data underutilized
- Real-world examples of banks using Transactional Intelligence to compete and win

Posted5/27/2025 10:47:39 AM

https://klarivis.com/insight/article/bridging-data-and-strategy-to-unlock-branch...

For decades, banking has been shifting from “bricks to clicks” as more customers opt for digital banking and banks recognize the need to deliver services digitally.

But make no mistake, branches remain essential. Two-thirds (67%) of consumers value having branches in their neighborhoods, viewing them as symbols of stability and availability — a sentiment consistent across all age groups. Branches continue to drive customer acquisition and retention, accounting for as much as 60% of new-to-bank sales. While digital channels expand, physical branches maintain a critical role in cross-selling products and fostering long-term relationships, directly impacting profitability.

Data analytics is now central to optimizing branch performance, equipping banks with the tools to track and improve key metrics such as sales conversion rates, transaction costs, and customer volume. By analyzing these metrics in real-time, CEOs can align branch operations with broader profitability goals, while...

Posted5/21/2025 2:28:45 PM

https://klarivis.com/insight/article/rewriting-the-rules-for-credit-and-lending-...

Fifteen years ago, leading a loan portfolio meant managing growth, following policy, and minimizing losses. Working under a zero interest-rate policy, there wasn’t much pressure to rethink that model. Rates didn’t move. Margins held. Reports came in at month-end and — for the most part — that was good enough.

This was true throughout my time at my community bank, but that environment is now gone. The stakes have changed. Most all leaders have recognized this, less are proactively finding ways to stay competitive amidst it.

Today, margins are tighter. Risk is rising. Banks no longer have the luxury of waiting for the month to close out before finding out how they did. The top-performing CLOs and CCOs know this. They aren’t just managing credit, they’re managing people who manage credit. That shift requires a new level of visibility and a new kind of leadership, one that prioritizes data, agility, and visibility...

Posted3/3/2025 12:39:06 PM

https://klarivis.com/insight/article/webinar-recap-transaction-data/?&utm_source...

Every bank has transaction data, but few use it to their advantage. The banks that crack the code on leveraging their existing transactional data gain an edge — one that allows them to expand customer relationships, uncover hidden fee income, and make smarter, more strategic decisions.

In our most recent webinar, “How Transaction Data Gives Community Banks an Unfair Advantage,” we invited panelists Abby Wendel (President & CEO, Landmark National Bank), David Nohe (CEO, FinGoal), and Jerry Bradley (Chief Product Officer, KlariVis) to tackle this topic head on. Their message was clear: Banks that harness their transaction data will thrive. Those that don’t will fall behind, losing business to competitors and fintechs who know how to use data to deepen relationships, optimize revenue streams, and act on insights faster.

Be sure to watch the recording to hear directly from these industry experts. Our primary takeaways from the discussion are included in the link below:

Posted2/28/2025 5:24:45 PM

https://klarivis.com/insight/webinar/webinar-transaction-data-advantage/?&utm_so...

Featuring Abby Wendel (Landmark National Bank), David Nohe (FinGoal), Jerry Bradley (KlariVis + former banker), and moderated by Gill Hundley (KlariVis + former banker), this discussion will equip you with actionable strategies to turn your bank’s transaction data into a competitive advantage.

Fair or not, banks that leverage data best will win. Make sure yours is one of them.

Posted2/27/2025 12:00:05 PM

https://klarivis.com/insight/article/why-transactional-intelligence-is-important...

Most banks have too much transaction data to know what to do with, spending the majority of their time processing rather than analyzing (assuming they have the capabilities to do so). With Transactional Intelligence, banks gain the opportunity to leverage the large amounts of transaction data they have as a strategic asset to drive personalized engagement and long-term loyalty.

“When an institution has over 1,000 different codes and hundreds of thousands of transactions happening daily or weekly, it’s incredibly difficult to boil anything down to a digestible manner,” Amy Kelley, Product Manager and key contributor to Transactional Intelligence at KlariVis, says. “At its core, that’s what Transactional Intelligence is designed to do — to make sense of any and all transactions and interactions your customers have.”

So, how can banks use these insights from transaction data in a real, impactful way? I’m so glad you asked. Let’s get into it.

Posted2/4/2025 12:12:59 PM

https://klarivis.com/insight/podcast/a-conversation-with-fingoal/?&utm_source=as...

Amidst one of the largest and busiest weeks in community banking — Bank Director's Acquired or Be Acquired conference — the KlariVis team launched one of our most ambitious and impactful products to date, Transactional Intelligence.

We designed Transactional Intelligence for financial institutions to better understand customer behavior and uncover new growth opportunities that occur every single day. To bring even more clarity and granularity into the transaction data we're analyzing, we’ve partnered with FinGoal, whose transaction enrichment technology cleans and transforms transaction data into clear, easy-to-understand user stories.

With so much energy and passion for community bank growth in one spot, it was the perfect opportunity to sit down with David Nohe, CEO of FinGoal, to discuss what this launch means for financial institutions and why enriched transaction data is more critical than ever....

Posted1/2/2025 1:01:26 PM

https://klarivis.com/insight/article/unlocking-growth-5-compelling-reasons-to-in...

In Bank Director’s 2024 Technology Survey, 80% of community banks are considering increased investment in data analytics and 66% in artificial intelligence. Yet, the current utilization of data paints a mixed picture. Only 11% of respondents reported extensive data use across decisions and areas of the bank, believing their strategy surpasses that of peers. Meanwhile, 40% use data in several areas but see significant room for improvement, 34% are in early stages of developing their data strategy, and 16% admitted to having no strategy at all.

As banks face a rapidly changing economic landscape and heightened competition, investing in data analytics is no longer optional. It’s a mandatory strategy for unlocking new opportunities and achieving sustainable growth.

Amid brisk competition for resources, here are five compelling reasons to invest in a robust data analytics platform...

Posted12/2/2024 3:00:30 PM

https://klarivis.com/insight/article/navigating-the-feds-latest-interest-rate-re...

In the wake of the recent Federal Reserve meeting, the decision to reduce interest rates has raised significant concerns for financial institutions. As banks face the pressure of shrinking net interest margins (NIM) and increased economic uncertainty, the question arises: How can banks adapt to these changes and sustain profitability?

At KlariVis, we believe that the answer lies in leveraging timely data and actionable insights. With the right tools, banks can not only navigate these economic shifts but also identify new opportunities for growth and efficiency. Here’s how KlariVis can help: