· Switching Surge and Open Banking

· Private Student Loan Predictions

· Private Student Loan CI Trends

. Full Stack Loyalty Program

Consumer loyalty is no longer a passive promise. It’s an active, dynamic relationship that must be continually earned. The surge in switching behavior we’re witnessing isn’t just a blip; it signals a lasting shift in how consumers evaluate their financial partners.

In this environment, the old playbook of rewards points and sticky products is no longer enough. The brands that will win are the ones that engage with intention, positioning their products not as commodities, but as life enablers. That’s what makes the vision of a Full Stack Loyalty Program so powerful.

The new rules of engagement demand that loyalty is not assumed; it is earned daily through relevance, flexibility, and integration. In this new era of choice, brands that meet consumers where they are and reward them in the moments that matter will reduce churn and redefine what it means to be a primary relationship.

The question isn’t whether consumers will switch.

It’s whether you’ve given them a reason to stay.

 As ever - Anuj