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Industry Field Guide · No. 03 Volume 03 · Industry Series 2026 Edition · Seapoint Digital
A strategic model for digital maturity

Marketing Playbook
for Modern Banking.

A Strategic Model for Growth and Digital Maturity

Twelve pages on the operating model behind Seapoint Digital's banking practice — the 5 Stages of Digital Maturity, the reporting layer, and the 180-day roadmap we run with community banks, regional banks, and credit unions rebuilding for a digital-first relationship.

Read the guide → Schedule a discovery call
Format
12-page PDF
Length
~12 min read
Edition
2026
Cost
Free
What's inside

Eight chapters. One operating model.

Not a sales deck. The same operating model, real benchmarks, and 180-day roadmap our team uses with community banks, regional banks, and credit unions rebuilding for digital maturity — written up so you can take them to your own.

01
The Landscape Shift
Mobile-first banking, branch contraction, digital ad spend, and the trust rebuild
p. 04
02
The 5 Stages of Digital Maturity
The operating model — Awareness, Learning, Developing, Mature, Leading
p. 05
03
The Reporting Layer
Closed-loop attribution, decision intelligence, full-funnel visibility
p. 07
04
The 6-Month Roadmap
Foundation, Activation, Optimization — from baseline to full intelligence
p. 08
05
The Trust Equation
(Experience + Expertise) × Authority ÷ Friction
p. 09
06
What This Looks Like in Practice
Acquisition economics, activation rates, primary-relationship share
p. 10
07
Sources & References
ABA, J.D. Power, Edelman, McKinsey, Cornerstone, BauerFinancial, FDIC
p. 11
08
Ready to Lead?
Your 180-day roadmap begins with a Digital Maturity Audit
p. 12
From the guide · The landscape shift

The old banking playbook is being dismantled in real time.

54%
of U.S. consumers say mobile apps are the top way they manage their bank account — branch visits a distant third at 9%. For the first time, even Baby Boomers said mobile apps were their most-used channel.
ABA / Morning Consult · 2025
−900
net bank branches lost in 2024. Sixteen of the largest banks accounted for roughly 800 of those closures. The pace slowed in 2025 but did not reverse.
BauerFinancial / FDIC
$16.6B
banking digital ad spend in 2024, nearly doubled from $8.6B in 2021. Banks aren't under-spending — many are spending more than ever without the measurement infrastructure to know what's working.
ABA Banking Journal · 2025
62%
U.S. financial services trust — the first time the sector has been in the "trusted" category in the U.S. since 2017. J.D. Power ranks trust as the #1 driver of overall banking satisfaction.
Edelman 2025 · J.D. Power 2025
Pulled from Chapter 03 · The reporting layer
“
Data is our sextant. Robust reporting isn't retrospective — it's the intelligence layer that lets us move through maturity stages with confidence rather than guesswork.
Marketing Playbook for Modern Banking · p. 07
Two ways to begin

Read it, or talk through it.

Engagements start with a discovery call and a written diagnostic of your current digital foundation. No obligation, no pitch deck.

01 · Read

The full 12-page guide.

All eight chapters, with the 5 Stages of Digital Maturity, the reporting layer, and the 180-day roadmap. Drop your details and we'll send the PDF straight to your inbox.

No spam · One email, one PDF
02 · Talk

A 30-min discovery call.

Walk through your current digital foundation with a Seapoint partner. You leave with a written diagnostic, regardless of fit.