Financial Institutions Missing Millions in Revenue Through Outdated Digital Strategies, Whitepaper Reveals

Financial institutions are leaving millions of dollars in potential revenue unrealized by relying on outdated digital engagement strategies, according to a new whitepaper from DeepTarget Inc. The study reveals that institutions with 100,000 digital users are missing out on approximately $11.6 million in annual product revenue due to ineffective broad-segment marketing approaches.

The whitepaper, titled $116.44 Per User – Part 1: The Proven Revenue Value of Data & AI-Driven Digital Engagement, demonstrates that when financial institutions analyze digital traffic in real-time—including login activities, transactions, and other account holder interactions—they can deliver targeted communications that generate an average of $116.44 in incremental annual product revenue per digital user. This represents a fundamental shift from treating digital channels as passive cost centers to activating them as active revenue engines.

Real-world results from institutions including Ohio Valley Bank, Eglin Federal Credit Union and Georgia United Credit Union show successful transitions from static digital messaging to AI-powered analytical communication that adapts to unique account holder needs. These institutions have moved beyond what the whitepaper describes as "spray-and-pray" strategies built around broad segments and generic messages that consistently fail to yield meaningful results.

Preetha Pulusani, CEO at DeepTarget, emphasized the growing divide in the financial industry. "There's a widening divide rapidly forming between financial institutions activating their digital channels as revenue engines, and those distracted by incremental improvements to outdated approaches," Pulusani stated. "Institutions that are quick to adopt this strategy will thrive in today's market, and the ones treating digital engagements as a passive cost center will find themselves struggling in a market that rewards data intelligence and personalized experiences."

The revenue opportunity identified in the whitepaper represents a significant transformation in how financial institutions approach digital engagement. By leveraging real-time data analysis and AI-driven targeting, institutions can capture revenue that currently goes unrealized through conventional marketing methods. The full whitepaper is available for download at https://www.deeptarget.com/.

This research comes at a critical time for financial institutions facing increased competition and margin pressure. The ability to generate substantial incremental revenue from existing digital users could provide a competitive advantage while improving customer experience through more relevant, personalized communications. Part 2 of the whitepaper series, $116.44 Per User – Part 2: Understanding Product Value – What Each New Account Actually Means, is scheduled for release in the first quarter of 2026.