Forward to: Strategy Team

Market Research & Strategy
Workflows

Ten agent workflows for the Strategy team — automated competitor monitoring, market positioning analysis, fintech disruption tracking, customer segment intelligence, brand perception monitoring, geographic expansion assessment, product innovation scouting, M&A target screening, talent market intelligence, and strategic partnership identification — providing comprehensive domain-level market strategy signals.

1Competitor Monitoring

AI agent performs comprehensive competitor monitoring by analyzing peer bank websites for product launches, pricing changes, branch strategies, talent movements, and strategic initiatives that inform competitive positioning decisions.

1
Track Competitor Strategic Moves
/products /pricing /press /careers IAB Categories OpenPageRank
COMPETITOR INTELLIGENCE — TOP 20 PEER BANKS ════════════════════════════════════════════════════════════ COMPETITORS MONITORED: 20 direct peer banks + 50 regional banks STRATEGIC CHANGES: 34 this month SIGNIFICANT COMPETITIVE MOVES: jpmorgan.com /products: Launched "Chase Media Solutions" — advertising platform for merchants /press: Acquiring fintech payments company for $2.4B /careers: 1,200 new AI/ML positions posted — largest AI hiring push /pricing: Reduced checking account minimum balance from $1,500 to $0 STRATEGIC SHIFT: Platform strategy + AI investment + mass market push bankofamerica.com /products: Erica AI assistant added investment advisory capabilities /press: $3.2B technology investment announced for 2026 /careers: 900 new technology roles — digital transformation acceleration /about: Updated positioning: "America's AI-powered bank" STRATEGIC SHIFT: AI-first positioning across all product lines
2
Assess Competitive Position
Competitive Signal
AI Arms Race Accelerating — JPMorgan (1,200 AI hires) and Bank of America ($3.2B tech investment + AI positioning) are creating an AI capability gap. Combined with JPMorgan's platform strategy (media solutions) and BofA's AI advisory expansion, the competitive moat around top banks is widening. Our AI investment must accelerate or we risk permanent disadvantage in digital customer experience.
CAPABILITY GAP — AI investment must accelerate to remain competitive
3
Track Competitive Evolution
Competitive Landscape — 12-Month Evolution
2025-Q1 JPMorgan began AI hiring push — 400 initial positions posted
2025-Q2 BofA Erica surpassed 1.5B interactions — added budgeting features
2025-Q3 Wells Fargo launched AI-powered fraud alerts — customer-facing AI adoption
2025-Q4 JPMorgan launched Chase Media Solutions — platform business model
2026-Q1 BofA positions as "AI-powered bank" — AI becomes core brand identity

2Market Positioning Analysis

AI agent analyzes bank market positioning by comparing brand messaging, value propositions, target audience signals, and content strategies across competitor and peer bank websites to identify positioning gaps and differentiation opportunities.

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Analyze Brand Positioning Landscape
/about /products /blog /careers Personas OpenPageRank
MARKET POSITIONING MAP — BANKING SECTOR ════════════════════════════════════════════════════════════ POSITIONING QUADRANT ANALYSIS: TECHNOLOGY-LED: JPMorgan: "Platform + AI" | /about: "innovation", "technology", "AI-first" BofA: "AI-Powered Banking" | /about: "Erica", "digital innovation" Capital One: "Tech Company that Does Banking" | /careers: 80% tech roles RELATIONSHIP-LED: US Bank: "Trusted Partner" | /about: "relationship banking", "community" PNC: "Brilliance in Banking" | /about: "advisors", "guidance" Our Bank: [No clear differentiated position detected] SPECIALTY-LED: SVB/First Citizens: "Innovation Economy" | /about: "startups", "venture" Northern Trust: "Wealth & Institutional" | /about: "family offices", "institutions" OUR POSITIONING GAP: /about: Generic "full-service banking" language — not differentiated /blog: Content spread across too many topics — no clear authority Personas: Targeting everyone = targeting no one
2
Identify Positioning Opportunities
Positioning Signal
Positioning White Space Identified — "AI-powered" claimed by BofA and JPMorgan. "Tech company" claimed by Capital One. "Innovation economy" claimed by SVB/First Citizens. White space exists in: "Human + Digital" (combining branch relationships with digital tools), "Mid-Market Champion" (underserved by big banks and fintechs), and "Regional Expertise + National Scale." Recommend focus group testing of these positions.
WHITE SPACE — 3 viable positioning strategies identified

3Fintech Disruption Tracking

AI agent tracks fintech disruption across banking product categories by monitoring startup launches, funding events, regulatory approvals, and market penetration signals to assess which banking revenue streams face the greatest disruption risk.

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Map Fintech Disruption by Product
/products /pricing /investors /press IAB Categories Domain Ages
FINTECH DISRUPTION MAP — BY PRODUCT CATEGORY ════════════════════════════════════════════════════════════ PAYMENTS (Disruption: CRITICAL — 89/100): Fintechs competing: 347 domains | Funding: $42B cumulative Leaders: Stripe, Square, PayPal, Adyen | Growing: 67 new entrants/year Our revenue at risk: $180M annual payments revenue (32% of fees) LENDING (Disruption: HIGH — 72/100): Fintechs competing: 234 domains | Funding: $28B cumulative Leaders: SoFi, LendingClub, Upstart | Growing: 42 new entrants/year Our revenue at risk: $120M annual lending revenue (22% of NII) WEALTH MANAGEMENT (Disruption: MODERATE — 58/100): Fintechs competing: 124 domains | Funding: $14B cumulative Leaders: Betterment, Wealthfront, Robinhood | Growing: 28 new/year Our revenue at risk: $45M annual wealth revenue (8% of fee income) COMMERCIAL BANKING (Disruption: LOW — 34/100): Fintechs competing: 67 domains | Funding: $6B cumulative Leaders: Mercury, Brex, Ramp | Growing: 14 new entrants/year Our revenue at risk: $28M (5% of commercial fees)
2
Assess Revenue Impact

Fintech Disruption Assessment — 2026

REVENUE DISRUPTION RISK SUMMARY ──────────────────────────────────────── Total revenue at risk: $373M (17% of total bank revenue) Fintechs monitored: 772 domains across 4 product categories STRATEGIC RESPONSE PRIORITIES 1. Payments ($180M at risk): Partner with fintech or build modern payments platform 2. Lending ($120M at risk): Deploy AI underwriting to match fintech speed 3. Wealth ($45M at risk): Launch digital advisory with human-advisor hybrid 4. Commercial ($28M at risk): Defend with relationship depth and product breadth 5. Overall: Fintech disruption is product-specific, not existential — targeted responses needed

4Customer Segment Intelligence

AI agent provides customer segment intelligence by analyzing competitor targeting strategies, demographic trends, and digital behavior patterns across banking and fintech domains to identify underserved segments and growth opportunities.

1
Map Competitor Segment Targeting
/products /about /blog /pricing Personas IAB Categories
CUSTOMER SEGMENT MAP — COMPETITIVE TARGETING ════════════════════════════════════════════════════════════ SEGMENT SATURATION ANALYSIS: Mass Affluent ($250K-$1M) — OVERSATURATED: 22 of 20 peer banks actively targeting per /products and /blog content 14 fintech wealth platforms competing Personas: "Affluent millennials" appearing across 36 competitor domains Gen Z / Young Adults — HEAVILY COMPETED: Chime, Current, Step, Greenlight + 8 bank teen programs Content marketing saturation on /blog pages across fintech sector Small Business ($1-10M revenue) — UNDERSERVED: Only 6 competitors with dedicated SMB /products pages Mercury and Brex focused on tech startups only Traditional SMBs (restaurants, retail, services) largely ignored by fintechs New Americans / Immigrants — UNDERSERVED: Only 3 banks with multilingual /products pages 1 fintech (Novo) specifically targeting immigrant entrepreneurs $1.4T market — minimal competitive attention
2
Identify Growth Segments
Segment Signal
Two Underserved Segments Identified — Traditional SMBs ($1-10M revenue, non-tech) and New Americans are both underserved by competitors. Only 6 banks have dedicated SMB product pages, and fintechs focus on tech startups. For New Americans, only 3 banks offer multilingual digital experiences despite $1.4T market size. Both segments align with our branch network advantage.
GROWTH — SMBs and New Americans are highest-opportunity segments

5Brand Perception Monitoring

AI agent monitors brand perception by tracking mentions across industry publication domains, review sites, social media platforms, and advocacy organization websites to understand public sentiment and reputation trends.

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Track Brand Mentions Across Web
/press /blog /about /events Personas OpenPageRank
BRAND PERCEPTION MONITORING — WEEKLY REPORT ════════════════════════════════════════════════════════════ SOURCES MONITORED: 4,200 publication, review, and industry domains BRAND MENTIONS: 342 this week SENTIMENT ANALYSIS: Positive mentions (48%): americanbanker.com /blog: "Best mobile app redesign of 2026" jdpower.com /press: #3 ranking in customer satisfaction survey forbes.com /blog: Named to "Best Banks in America" list Neutral mentions (34%): reuters.com /press: Earnings report coverage — met expectations Industry conference mentions across 12 /events pages Negative mentions (18%): consumeraffairs.com /blog: Fee complaint patterns highlighted ncrc.org /press: CRA rating below peer average reddit.com /about: Customer service wait time complaints trending
2
Assess Reputation Trends
Brand Signal
Brand Perception Improving but Fee Complaints Persist — Positive mentions (48%) outpace negative (18%) — mobile app redesign driving good press. However, fee complaints on consumer review sites and CRA concerns from advocacy organizations represent ongoing reputation risks. Recommend: address fee transparency proactively and engage with NCRC on CRA improvement plan.
IMPROVING — Net positive, but fee and CRA issues need attention

6Geographic Expansion Assessment

AI agent evaluates geographic expansion opportunities by analyzing market density, competitor presence, demographic data, and business activity indicators across potential expansion markets using domain-level intelligence.

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Assess Market Opportunity by Geography
/contact /about /careers /products Countries IAB Categories
GEOGRAPHIC EXPANSION ASSESSMENT — TARGET MARKETS ════════════════════════════════════════════════════════════ AUSTIN, TX — HIGH OPPORTUNITY: Business domains with Austin /contact addresses: 14,200 (up 34% YoY) Competitor bank branches: 847 (below national density average) /careers analysis: 89% of Austin domains showing hiring growth IAB category mix: Technology 42%, Professional Services 28% MARKET SCORE: 91/100 — High growth, underbanked relative to business density PHOENIX, AZ — MODERATE OPPORTUNITY: Business domains with Phoenix /contact addresses: 8,400 (up 18% YoY) Competitor bank branches: 1,240 (near national average) /careers analysis: 67% showing hiring growth MARKET SCORE: 72/100 — Growing but adequately banked
2
Recommend Expansion Priority

Geographic Expansion Prioritization

MARKET RANKING ──────────────────────────────────────── Markets assessed: 12 | High opportunity: 3 | Moderate: 5 | Low: 4 TOP EXPANSION MARKETS 1. Austin, TX (91/100) — Tech hub, underbanked, 34% business growth 2. Nashville, TN (87/100) — Healthcare + entertainment, growing 28% YoY 3. Raleigh-Durham, NC (84/100) — Research triangle, biotech concentration 4. Phoenix, AZ (72/100) — Growing but adequately served by competitors 5. Denver, CO (68/100) — Strong market but highly competitive

7Product Innovation Scouting

AI agent scouts product innovation by monitoring fintech startups, banking innovation labs, and technology companies for new financial product concepts, delivery models, and customer experience innovations that could be adopted or adapted.

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Identify Emerging Product Innovations
/products /blog /press /api IAB Categories Domain Ages
PRODUCT INNOVATION SCOUTING — EMERGING CONCEPTS ════════════════════════════════════════════════════════════ EMERGING PRODUCT INNOVATIONS: saveai.com — AI Financial Wellness (Domain Age: 247 days) /products: AI that automatically optimizes savings, debt payoff, and investing /press: Y Combinator graduate, $12M seed round /blog: "Autonomous finance" — AI makes financial decisions for customers INNOVATION: Autonomous financial management — likely future standard earnable.io — Earned Wage Access (Domain Age: 847 days) /products: Real-time salary access — "get paid as you earn" /partners: Integrated with 4,200 employers /pricing: $0 to employees — employer-paid model INNOVATION: EWA replacing traditional pay cycles — employer adoption growing carboncard.earth — Climate-Linked Banking (Domain Age: 412 days) /products: Carbon tracking on every transaction + offset marketplace /press: Gen Z adoption rate 4.2x traditional banking apps INNOVATION: Climate-conscious banking targeting Gen Z values
2
Assess Adoption Potential
Innovation Signal
Three Innovations Worth Evaluating — Autonomous finance (SaveAI) represents the next evolution of PFM tools — AI making financial decisions rather than just providing insights. Earned Wage Access (Earnable) is already at scale with 4,200 employers — partner or risk being disintermediated. Carbon-linked banking (CarbonCard) captures Gen Z values segment. All three could be build, buy, or partner opportunities.
EVALUATE — Build/buy/partner analysis needed for 3 innovations

8M&A Target Screening

AI agent screens potential acquisition targets by monitoring community bank domains, fintech companies, and specialty finance providers for acquisition signals including founder succession, growth plateaus, and strategic partnership-seeking language.

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Screen Acquisition Candidates
/about /leadership /investors /press OpenPageRank Countries
M&A TARGET SCREENING — COMMUNITY BANKS + FINTECHS ════════════════════════════════════════════════════════════ COMMUNITY BANKS MONITORED: 847 domains in our target footprint FINTECHS MONITORED: 234 domains in strategic product areas ACQUISITION CANDIDATES: communitybancshares.com — $2.4B asset community bank, Austin TX /leadership: CEO/Founder (74) moved to Chairman — succession underway /press: "Evaluating strategic partnerships" in annual letter /about: Strong Austin market share, 12 branches in target geography /careers: Reduced hiring — growth investment slowing M&A FIT: Austin market entry + deposit franchise + management transition = ideal timing paymentsinnovation.com — Fintech, B2B payments platform /investors: PE investor at 7-year hold — approaching exit timeline /products: B2B payment platform complementary to our commercial banking /press: $45M ARR, growing 40% YoY M&A FIT: Payments capability + PE exit window + product synergy
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Prioritize M&A Targets

M&A Target Assessment — Q1 2026

ACQUISITION TARGET PRIORITY LIST ──────────────────────────────────────── Candidates screened: 1,081 | Qualified: 14 | Priority: 3 TOP ACQUISITION TARGETS 1. Community BancShares ($2.4B) — Austin market entry, management transition window 2. PaymentsInnovation ($45M ARR) — Product capability + PE exit timing 3. DigitalLending Corp ($28M ARR) — AI lending platform, accelerate digital strategy 4. Heritage Trust Bank ($1.1B) — Nashville market, but regulatory concerns 5. Combined acquisition value: ~$4.2B for top 3 targets

9Talent Market Intelligence

AI agent monitors the banking talent landscape by analyzing competitor career pages, recruiter activity, compensation trends, and skill demand patterns to inform the bank's talent acquisition strategy and retention programs.

1
Analyze Talent Market Dynamics
/careers /about /blog /press Personas IAB Categories
TALENT MARKET INTELLIGENCE — BANKING SECTOR ════════════════════════════════════════════════════════════ COMPETITOR /CAREERS PAGES MONITORED: 87 banks + 247 fintechs TALENT DEMAND TRENDS (from /careers analysis): AI/ML Engineering — Extreme competition: JPMorgan: 1,200 AI roles | BofA: 900 | Capital One: 680 | Wells Fargo: 420 Our bank: 34 AI roles — 97% below top competitors Fintech competition: 3,400 AI roles across 247 fintech /careers pages Cybersecurity — High competition: Average peer bank: 89 security roles | Our bank: 42 Fintech demand: Growing 34% YoY per /careers analysis Commercial Banking RMs — Moderate competition: Average peer bank: 24 RM roles | Our bank: 18 Fintechs: Minimal RM hiring — this is our talent advantage COMPENSATION SIGNALS: /careers pages showing salary ranges (12 competitors): AI/ML: $200-350K avg — 25% above our posted ranges Cybersecurity: $150-250K avg — 15% above our ranges
2
Generate Talent Strategy Recommendations
Talent Signal
AI Talent Gap is Our Biggest Strategic Risk — 34 AI roles vs. JPMorgan's 1,200 represents a 97% gap. Without AI talent, we cannot compete on the AI-powered features that BofA and Chase are deploying. Compensation ranges 25% below market ensure we lose candidates. Recommend: triple AI hiring budget, adjust compensation to market, and explore acqui-hire of AI startups.
CRITICAL GAP — AI talent strategy requires immediate executive attention

10Strategic Partnership Identification

AI agent identifies strategic partnership opportunities by monitoring technology companies, data providers, and platform businesses for complementary capabilities, partnership readiness signals, and mutual value creation potential.

1
Screen Strategic Partners
/partners /products /api /about IAB Categories OpenPageRank
STRATEGIC PARTNERSHIP SCREENING — CAPABILITY GAPS ════════════════════════════════════════════════════════════ CAPABILITY GAPS: AI, payments modernization, data analytics, ESG PARTNERSHIP CANDIDATES: 847 technology companies analyzed TOP PARTNERSHIP CANDIDATES: anthropic.com — AI Foundation Model /products: Claude AI platform — banking-ready conversational AI /partners: Partnership page lists financial services use cases /api: Enterprise API with SOC 2 compliance /about: $7.3B valuation, Amazon investment — stable partner PARTNER FIT: 94/100 — Best fit for AI-powered customer service snowflake.com — Data Cloud Platform /products: Financial Services Data Cloud — purpose-built for banking /partners: 120+ banking clients listed on partner page /api: Comprehensive data sharing and collaboration APIs PARTNER FIT: 89/100 — Ideal data analytics modernization partner stripe.com — Payments Infrastructure /products: Stripe Treasury + Issuing — BaaS capabilities /partners: Recently added "partner with banks" section to /partners /api: Best-in-class payment APIs, 700+ integrations PARTNER FIT: 86/100 — Payments modernization without full rebuild
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Generate Partnership Roadmap

Strategic Partnership Roadmap — 2026-2027

PARTNERSHIP PRIORITY MATRIX ──────────────────────────────────────── Candidates screened: 847 | Shortlisted: 12 | Recommended: 5 PARTNERSHIP IMPLEMENTATION PLAN Q2 2026: Anthropic — AI customer service + internal productivity Q3 2026: Snowflake — Data analytics modernization for risk + marketing Q4 2026: Stripe — Payments modernization pilot program Q1 2027: Personetics — AI financial wellness for mobile banking Q2 2027: Carbon tracking partner — ESG banking features for Gen Z segment ESTIMATED IMPACT Combined investment: $18M over 24 months Estimated revenue uplift: $42M annually from improved capabilities Build vs. partner savings: $120M (estimated internal build cost avoided)
3
Track Partnership Ecosystem Growth
Strategic Partnership Pipeline
2026-01-15 Partnership screening initiated — 847 technology companies analyzed
2026-02-01 Shortlist of 12 partners presented to executive committee
2026-02-14 Anthropic and Snowflake approved for proof-of-concept phase
2026-03-01 POC launches — 90-day evaluation period begins
2026-06-01 Partnership decisions — deploy, expand, or pivot based on POC results
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