Pete (Peter) Duffy

speaker

590 appearances 1 recordings 1 series first heard Jul 2026 last heard 10 Jul

Pete (Peter) Duffy’s voice in public audio — every appearance, attributed to the second.

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recordings per month · last 12 months

Recordings per month over the last 12 months — 1 in all, peaking in Jul 2026 with 1.

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Digital Banking Podcast · The fight community FIs have never had to fight before, with Peter Duffy. · 10 Jul 2026 podcast

Credit unions and community banks have enjoyed some nice loan business for most of this century.

But it's because low rates have brought in everybody and their cousin.

Into the consumption game.

So why is that bad?

Well, that's not for any of us to say.

The bad is that when your goal is to be loaned out.

Versus my goal is to have more market share than my competitors.

Here's what happens in the last 25 years.

I'm a community bank or credit union and I'm loaned out.

And my market share's gone down.

And I'm making less because now there's more competition and this thing's weaponized the consumer's ability to get the lowest loan rate and the highest deposit rate.

So I'm not only not growing like the market.

I'm not earning like the market.

And now I look up, and after five or six years of basically flat growth for almost all the players.

And declining earnings for nearly all.

I'm realizing that what I thought was big enough

in order to be able to invest in marketing and technology is now nowhere near big enough.

And

Therefore

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