Ceto and Associates is proud to present our blog – The Mad Banker!

Welcome to The Mad Banker!  We are excited to introduce you to our blog written by team members at the bank consulting firm, Ceto and Associates.  mad-banker_BodyWe will bring you best practices for your financial institution, opinion pieces and hot topics in the banking industry.

We hope to entertain and educate you each time you visit.  Our plan is to share thought provoking info with a humorous twist. Hey, banking can be witty and cool, right?  We plan to make this so!  Please feel free to comment and challenge us with your thoughts and insights.  We would love to start an impassioned conversation.

Please share The Mad Banker blog with all your friends and colleagues, and sign up for our e-newsletter to receive the blog straight to your email box.  We hope to continue to see you around and hear from you soon!

-The Mad Bankersmad-banker-hatonly


  • ‘Actionable data’ is the goal when a bank or credit union mystery shops itself and its competition.  The importance of mystery shopping is to understand its business and market thoroughly, so prudent business decisions can be made.  The data gathered must be timely, un-biased, and objective [Read More...]


  • Every business that offers products and services to consumers must face a very important aspect of their business plan or model; “How do we price our products and services to be profitable, but also maintain customer loyalty?” As you know, customer loyalty is greatly affected by how a busines [Read More...]


  • Over the last 10 years, mobile payments have been one of the fastest growing segments of the retail market. Global mobile payment revenue was $450 billion in 2015, and is projected to rise to above $1 trillion in 2019. The fourth quarter growth of e-commerce in 2016 amounted to $22.7 billion of s [Read More...]


  • Courtesy Overdraft Programs are a service offered to consumers that allow them to avoid the embarrassment of denied transactions, or a way to access necessary funds in the event of an emergency situation. The scrutiny and actions of regulators, such as the Consumer Financial Protection Bureau (CF [Read More...]


  • Note: The loan origination process is often a complex process requiring numerous handoffs between front and back office processes. The process also differs somewhat by loan type. Rather than provide a broader generalization of the end-to-end value chain, I have decided it best to split the blog i [Read More...]


  • There is a saying amongst the tech community that was coined by the statistician William E. Deming: “In God we trust, all others must bring data.” This was all well and good back in the 60’s, when an entire person’s life could be summarized on a few sheets of paper – however, today the [Read More...]


  • For Banks and Credit Unions, the post-recession environment has been a time of retrenchment and reinvention.  Those institutions still standing after the collapse of our economy have dusted themselves off and surveyed the new landscape of the industry, an industry that was rocked to its very cor [Read More...]


  • Though it’s a common cause for hesitation, financial institutions need not fear fees as they price their deposit products with the goal of growing revenue and profitability. While they must consider customer’s sensitivity to price changes, they should not be consumed by this concern. Contrary [Read More...]


  • One of the mantras most quoted for personal investors is, “Don’t Fight the Fed.” Essentially, the concept is that the pursuit of an investment strategy that runs counter to the economic environment that the Federal Reserve is attempting to promote, will not perform to expectations. At the F [Read More...]


  • Experts have predicted rising mortgage rates for some time, and it appears the U.S. may finally be entering a prolonged increased rate environment. While post-election mortgage rates rose somewhat sharply to end 2016, the current average 30-year fixed rate mortgage has settled back in at 3.90%. B [Read More...]