Alloy Labs

Community banks working together to serve evolving customer needs in a rapidly changing world with the insights, resources, and scale of a top 10 bank.

[Breaking Banks @Breakingbanks1]

"Is just a little crime OK now or what?"
@khaslett @DaraTarkowski Rick Geloff from @BankofND and @jasonhenrichs wrestle with this prisoner's dilemma thesis on deregulation — recorded live, at the @AlloyLabs annual meeting. Watch on YouTube or listen wherever you get your podcasts. https://t.co/mZocCbMwlM

[Alloy Labs @AlloyLabs]

Most banks run projects well. But projects don’t win customers. Products do.

Projects optimize for delivery. Products optimize for adoption, retention, and economics.

- @JPNicols and Madeline Fredine in our latest Executive Briefing. https://t.co/UA8GhRhZJC

[American Banker @AmerBanker]

Doubling down on what has worked in the past — especially if it’s still working now — may inadvertently trap banks into business models ill-suited for the future. Smart bankers make room for change before it is forced on them, writes @JPNicols, of @AlloyLabs, in @AmerBanker @BankThink. https://t.co/vvDOWNrp8S

[CSTMR Fintech Marketing & Advertising Agency @CSTMRMarketing]

Transformational Leadership. @rory_holland and Jason Henrichs of @AlloyLabs break down how community banks can cooperate to thrive. It's about making the pie bigger. 🥧Listen here: https://t.co/Wy373Vnbso
#Fintech #Banking #CommunityBanks #financialservices #MightyFinsights

[Alloy Labs @AlloyLabs]

Cost-cutting might preserve your efficiency ratio for a quarter or two, but innovation and differentiation are what build sustainable value over decades.

https://t.co/KjAHzW9rCz

[JP Nicols @JPNicols]

Fun to join @VISADIRECT to talk about fintech - where it's been, where it is today, where it goes from here (at least I hope so); and why FIs need to move their thinking from the center of money to the #EdgeOfMoney - where it's more than debits and credits and ones and zeroes.

https://t.co/whHQmEKSu4

@provokecast @Breakingbanks1 @AlloyLabs

[Breaking Banks @Breakingbanks1]

What if the biggest growth opportunity for your bank is already sitting in your customer base?

@JPNicols, Barb MacLean, Jorge Garcia, and Samer Saab of @AlloyLabs spotlight how one bank used simple discovery—not expensive tech—to create an IOLTA product tailored to law firms, unlocking new growth through focused packaging and smart marketing.

#DigitalBanking #CommunityBanking #CommercialBanking #FintechInnovation #BusinessBanking #BankingStrategy #CustomerDiscovery #ProductPackaging #BankMarketing #BreakingBanks

[JP Nicols @JPNicols]

𝗝𝗮𝗰𝗸 𝗗𝗼𝗿𝘀𝗲𝘆'𝘀 𝗠𝗶𝗱-𝗠𝗮𝗿𝗸𝗲𝘁 𝗕𝗮𝗻𝗸𝗶𝗻𝗴 𝗣𝗹𝗮𝘆 🏭

"𝙒𝙚'𝙧𝙚 𝙨𝙚𝙚𝙞𝙣𝙜 𝙖𝙘𝙘𝙚𝙡𝙚𝙧𝙖𝙩𝙚𝙙 𝙖𝙙𝙤𝙥𝙩𝙞𝙤𝙣 𝙖𝙢𝙤𝙣𝙜 𝙡𝙖𝙧𝙜𝙚𝙧 𝙨𝙚𝙡𝙡𝙚𝙧𝙨."

That seemingly innocuous line from Jack Dorsey in Block's Q4 earnings call should send shivers down the spine of commercial banking executives everywhere.

Square isn't just processing payments for food trucks and craft fair sellers anymore. Their fastest-growing segment? Businesses over $500K in annual revenue, increasing 24% year-over-year.

The most revealing statistic: mid-market business Square Banking accounts now average $35,000 in deposits. That's not pocket change— it's operating capital that used to live in community banks.

This isn't an accident. It's a methodical upmarket migration as Square's integrated ecosystem of banking, payroll, and inventory tools makes the traditional banking relationship look increasingly fragmented.

The wolves aren't at the door. They're already in the house, redecorating your living room while you're checking the locks on the windows.

We will be hosting a free Executive Briefing on our latest research on April 16: 𝙍𝙚𝙬𝙧𝙞𝙩𝙞𝙣𝙜 𝙩𝙝𝙚 𝘾𝙤𝙢𝙢𝙚𝙧𝙘𝙞𝙖𝙡 𝘽𝙖𝙣𝙠𝙞𝙣𝙜 𝙋𝙡𝙖𝙮𝙗𝙤𝙤𝙠: 𝙇𝙖𝙣𝙙𝙞𝙣𝙜 𝙖𝙣𝙙 𝙀𝙭𝙥𝙖𝙣𝙙𝙞𝙣𝙜 𝘾𝙤𝙢𝙢𝙚𝙧𝙘𝙞𝙖𝙡 𝙍𝙚𝙡𝙖𝙩𝙞𝙤𝙣𝙨𝙝𝙞𝙥𝙨 𝙏𝙝𝙧𝙤𝙪𝙜𝙝 𝘿𝙞𝙜𝙞𝙩𝙖𝙡 𝘽𝙖𝙣𝙠𝙞𝙣𝙜

➡️ Register here: https://t.co/vAlowSRWQ5

#UnbreakTheBank #DigitalBanking #CommercialBanking #BankDisruption

[Jason Henrichs @jasonhenrichs]

When the Hot Takes crew finally has a quiet moment from @Finovate well we argue about regulation @mikulaja @khaslett @AlexH_Johnson

[Jason Mikula @mikulaja]

Amazing first day of @finovate which I’ve failed to document adequately.

Thanks to @loanprosoftware @AlloyLabs @Baselayerhq @KnotAPIs and everyone I’m forgetting (photo credit: @alexbarrage1)

[Alloy Labs @AlloyLabs]

The role of product management is to find actionable insights customers are willing to pay for, directly or indirectly by not pursuing a lower price elsewhere.

New on our blog by @jasonhenrichs https://t.co/UoGROCqpun

[Jason Henrichs @jasonhenrichs]

Who’s ready to @Finovate??? Catch me at 5:50 today chatting about AI with @SarahHinkfuss

[Breaking Banks @Breakingbanks1]

Diving into the hidden levers that banks are using to add non-rate value...

@JPNicols hosts Brean Capital's Steve Tanzer and Joel Updegraff to explore the new approaches and technology expanding the market for large banks, small banks, and #fintech. 👇
https://t.co/nUuLaEwnlB

[Breaking Banks @Breakingbanks1]

Let's talk regulatory resilience 🙌

@jasonhenrichs is joined by an incredible crew to discuss using regulatory challenges as an opportunity to strengthen your bank's operations and culture.
https://t.co/G2PaC6h2Kn

@YPGoldfeder @FintechPolicyUS @crossriverbank @CroweUSA

[Jason Henrichs @jasonhenrichs]

We had too much fun once the hot sauce kicked in... next weeks @Breakingbanks1 show is Brokered Deposits: the ERAS tour w/ @khaslett @AlexH_Johnson @alexbarrage1 @mikulaja. Some great nuggets in this episode

[JP Nicols @JPNicols]

Our latest Executive Briefing draws on proprietary data and insights from the @AlloyLabs ecosystem of leading banks, partners, and portfolio companies, to offer a unique window into banking's next horizon. Reach out to schedule a briefing for your team.
https://t.co/zTtGTOYkpD

[🇺🇸Ravi Clean-Electrification Mikkelsen🇺🇸 @RaviMikkelsen]

Which of my tweeps are going to @Finovate Fall in NYC next month? @joinatmos is co-sponsoring Fintech Luminaries with our friends at @AlloyLabs.
Excited for @mikulaja , @khaslett, & @AlexH_Johnson wisdom & snark too.

Request to join the fun: https://t.co/vqYny8LdRS

[Breaking Banks @Breakingbanks1]

After a 3 year battle, we're breaking down @RevolutApp’s banking license achievement. Then, a conversation with Coen Jonker, co-founder of @tymebankza, South Africa's most successful challenger bank aimed at the lower income market.
https://t.co/2BqitNoAvk

@JPNicols @BrettKing

[Jason Henrichs @jasonhenrichs]

Pleased to have @AlloyLabs co-hosting @Commerce Ventures’ financial inclusion-focused pitch competition at @money2020 Early-stage companies focused on financial access and inclusion apply by September 14 for a chance at a $100,000 uncapped SAFE note! https://t.co/tgHA6emLEe

[Breaking Banks @Breakingbanks1]

Killing It… again. 📉 @jasonhenrichs with @BillHarris__, industry veteran, founder of 10+ companies, and current founder of @evergreenmoney_, to look back at the lessons learned, tough calls made, and how to avoid prolonging a failing venture. 🤝
🎧 https://t.co/2hXpTERwc3