As a percent of the population, Baby Boomers will soon outstrip people under 18. When that happens, loan-to-deposit ratios will plummet and profits will drop. Financial marketers must plan now for an aging population.

For marketers to truly harness the power and efficiency of people-based marketing, they must first get their data house in order. Jon Regan, Senior Director, Technology & Data Management at Merkle, discusses the benefits of a cloud-based data management solution that can consolidate every brand's disparate data collection for maximum utility.

In a world where most consumers think and act 'digital-first,' financial marketers must leverage new technologies enabling personalized interactions and offers — in real time, and in any channel. Fintechs have the edge over traditional institutions... for now. But this will shrink as more banks and credit unions embrace AI tools.