My Work · Banking & Lending
The diagnostic business behind my Diagnostics page. A public‑signals‑only research system that scores a bank or credit union's digital lending presence, ranks what it finds by severity, and hands the findings back as a fixed‑fee report.
The Problem
A bank or credit union can pass every internal review and still lose well‑qualified borrowers before they finish an application. The site looks professional. The rates are competitive. The leak happens anyway, and most institutions have no mechanism to see it.
Community banks and credit unions are rarely staffed with a dedicated conversion or borrower‑acquisition researcher. Marketing vendors focus on traffic. Core vendors focus on compliance. The gap between the two, where borrowers actually drop off, belongs to no one.
The System
Every institution is scored across website friction, fraud indicators, compliance gaps, and social media gaps. Nothing requires a login, an account, or contact with the institution being scored. Everything is built from what a borrower, member, or fraudster can already see.
The methodology was built and tested against 112 Texas banks and credit unions between $1B and $10B in assets before it was ever sold. 86% of every signal checked came back as friction, not a pass.
The Delivery
My Work
Every case study runs on the same four‑step Friction Index method, applied to a different industry.