PayPal just raised the bar on “data-driven” targeting, but you can too.

Here’s the takeaway for community banks: the institutions that win won’t be the ones shouting louder. They’ll be the ones using their own data to be more relevant.

Most FIs are sitting on the same kind of data PayPal is monetizing:

1. Debit and credit spend patterns
2. ACH and direct deposit signals
3. Bill pay and recurring payments
4. Digital engagement behavior
5. Life-stage indicators hiding in plain sight

The difference is activation.

That’s what T3 is built for.

T3 (Turnkey • Tailored • Targeted) turns first-party account and transaction signals into practical growth. Finding the next-best households for core checking, premium checking, savings/MM, and CDs, then deploying coordinated creative and media that matches intent, that’s what we do.

If you’re curious, I’d love to show you what this looks like for you:

1. How we size cross-sell vs. prospect opportunity by branch footprint
2. How we build audiences without relying on credit scores
3. How we measure lift in funded accounts and balances, not vanity metrics

Lori Donaldson

CEO, Current Marketing Solutions

ldonaldson@getuscurrent.com

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