Research Studies

The largest banks pulled back from small business lending during the recession, yet even in this strong economy, community financial institutions and FinTech companies have struggled to fill the gap.  This 46 page comprehensive study, presented in cooperation with PayNet, examines how inefficiencies for the former and high costs for the latter have hindered small business lending and how overco

Customer loyalty brings growth, profitability, and efficiency; in this 42 page study, Raddon examines how institutions can improve their customer loyalty.  Using USAA as a case for successful loyalty, the study explores how banks and credit unions stack up and what USAA is doing that they aren’t.

Access to loans for education has allowed a generation of students to achieve a higher level of education than any generation in history. Yet those same loans have stifled that generation’s perceived ability to move forward in life.

As the nation continues to recover from the recession of 2006–2009, the demand for loans has started to increase, though the landscape has changed a bit. The types of loans consumers anticipate using is shifting from cars and mortgage refinance – both of which dominated during the recovery – to credit cards, equities and purchase mortgages.