Growth Strategies with Jonathan Mills Patrick: The Fintech GTM Report

10 GTM Questions I ask Every Bank

Jonathan Mills Patrick — Fri, 08 May 2026 13:20:56 GMT

A few weeks ago I sat across from the CEO of a $2.1B community bank. Proud institution. Great culture.

I asked him one question: “Who is your ideal customer?”

He said, “Everyone in our community.”

That’s not a strategy. That’s hope.

I’ve now had some version of this conversation with dozens of banks — community banks, regional banks, credit unions, digital-…

The Six Pillars of Modern Banking GTM

Jonathan Mills Patrick — Thu, 09 Apr 2026 15:18:39 GMT

Banking isn’t just in a period of massive technological disruption. There’s a dual threat that is just as, if not more, disruptive than the code being written in Silicon Valley. While most bank executives are staring down the barrel of digital transformation, they are missing the seismic shift in the who and the how of their customer base.

The banking in…

How PLG will Save Your FI’s Deposits

Jonathan Mills Patrick — Mon, 30 Mar 2026 13:49:38 GMT

In early 2026, the financial landscape is witnessing a massive migration. With the stablecoin market cap officially crossing the $300 billion mark, the “yield gap” has become impossible for the average consumer to ignore.

While traditional banks are still offering 0.5% to 1.5% on deposits, stablecoin rewards have surged into the 4% to 7% range. This isn’…

The Trust Gap: How Banks can Leverage their 22x Advantage

Jonathan Mills Patrick — Fri, 20 Mar 2026 14:32:45 GMT

According to a recent survey, fintech is a bit like the “hot girl” who’s a little bit crazy. She’s flashy, attractive, and everyone wants to be seen with her—but nobody is quite sure they can trust her with their life savings. Don’t be mad at me ladies, the same could be said for my gender. 🤪

Your customers are stuck between two worlds. While 76% of con…

The "Main Street" Smokescreen: Why Regulatory Relief Won’t Save You from the New Competitive Reality

Jonathan Mills Patrick — Fri, 06 Mar 2026 14:54:42 GMT

For C-suite bankers, the headlines coming out of the House Financial Services Committee look like a long-awaited exhale. The proposed Main Street Capital Access Act and its accompanying legislative package promise to slash the red tape that has stifled community banking for a generation.

But while the industry cheers for extended examination cycles and s…

The Velocity Gap: Why Real-Time Stress Testing Favors "Quasi-Banks"

Jonathan Mills Patrick — Mon, 23 Feb 2026 12:23:18 GMT

The Federal Reserve is fundamentally rewriting the playbook for bank stress testing. This isn’t just a late reaction to the Silicon Valley Bank collapse or a lingering echo of the 2008 Great Financial Crisis; it is a long-overdue admission that our current regulatory models are analog tools in a digital-asset world where liquidity moves in milliseconds.

…

The Narrow Bank Threat

Jonathan Mills Patrick — Sun, 15 Feb 2026 17:47:07 GMT

Let’s be real: the battle for deposits is no longer a polite skirmish between the bank on the corner and the one across the street. It’s a full-blown war. If you’re a traditional banker thinking that a 0.05% APY on a savings account will keep customers around, you’re essentially bringing a toothpick to a tank fight.

Traditional institutions are watching …