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FREE WHITE PAPER

Are Your Members Aging Out?

Stop losing deposits and Gen Z members to neobanks. Get the 3-step framework to launch a niche "Vertical Credit Union" and win high-growth markets.

The "one-size-fits-all" model for community financial institutions is failing.

You're struggling to compete in a crowded, generic market. Your membership is aging out, deposits are declining, and younger consumers are being won by fintechs that offer the personalized experiences those consumers expect.

The solution is not to be everything to everyone. The solution is to be their bank.

This white paper gives you the 3-step framework to launch a focused, digital "Vertical Credit Union," using your existing charter, to attract specific, high-growth communities.

Why Casting a Wide Net No Longer Works

• 72% of consumers say personalization affects their choice of financial institution.
• 30% of Gen Z consumers feel their financial institutions aren't meeting service expectations.
• 73% of US consumers would consider switching financial institutions in the next 12 months.
• 74% of consumers want more personal experiences from their financial institutions.

Case Study: Steal the "Vertical FI" Playbook

Don't believe it works? Panacea Financial was built by doctors, for doctors, to solve their unique financial frustrations.

The result? They grew to 7,000+ customers across all 50 states and originated $750+ million in loans.

This is the power of Vertical Banking.

What You'll Get (The 3-Step Framework)

This free white paper is not a "think piece." It is a practical guide to:

• Identify Your Niche: Learn to find high-potential audiences (like gig workers, first responders, or small businesses) that are currently underserved.
• Create a Brand That Connects: Develop a distinct name, identity, and message that speaks directly to your chosen audience without confusing your main institutional brand.
• Bring Your Niche Bank to Market: Leverage the right technology and marketing strategies to build awareness and drive adoption quickly.

The Best Part: Launch in Weeks, Not Years

This is not a 2-year core conversion.

The vertical banking framework is a marketing-first strategy that integrates seamlessly with your existing core. There is no need for a disruptive overhaul or a complex "sidecar" core.

Bankjoy's platform is designed for rapid deployment, allowing you to identify, build, and launch a new, focused digital brand in weeks.