A leadership team had just chosen where to play. Then I asked how the institution planned to make money on it. Why value capture is a strategic choice, not a budget line, and where the Business Model Canvas belongs.

1,415 banks meet the criteria for persistent, unreported value destruction, and the data shows they are more likely to disappear, and to sell at a discount, than their peers.

Most banks set direction once a year. The developments shaping your 2027 and 2028 investments now move on a quarterly clock. A method for reading any signal, and the three worth reading this cycle.