ABA Banking Journal
No Result
View All Result
  • Topics
    • Ag Banking
    • Commercial Lending
    • Community Banking
    • Compliance and Risk
    • Cybersecurity
    • Economy
    • Human Resources
    • Insurance
    • Legal
    • Mortgage
    • Mutual Funds
    • Payments
    • Policy
    • Retail and Marketing
    • Tax and Accounting
    • Technology
    • Wealth Management
  • Newsbytes
  • Podcasts
  • Magazine
    • Subscribe
    • Advertise
    • Magazine Archive
    • Newsletter Archive
    • Podcast Archive
    • Sponsored Content Archive
SUBSCRIBE
ABA Banking Journal
  • Topics
    • Ag Banking
    • Commercial Lending
    • Community Banking
    • Compliance and Risk
    • Cybersecurity
    • Economy
    • Human Resources
    • Insurance
    • Legal
    • Mortgage
    • Mutual Funds
    • Payments
    • Policy
    • Retail and Marketing
    • Tax and Accounting
    • Technology
    • Wealth Management
  • Newsbytes
  • Podcasts
  • Magazine
    • Subscribe
    • Advertise
    • Magazine Archive
    • Newsletter Archive
    • Podcast Archive
    • Sponsored Content Archive
No Result
View All Result
No Result
View All Result
Home Retail and Marketing

Strategy, not serendipity: Three steps to better creative

Whether working with an internal team or an external bank marketing agency, always insist on starting with a brief before creating, evaluating and testing.

April 2, 2024
Reading Time: 3 mins read
How to Hyper-Segment Your Customer Communications without Losing Control

By Martha Bartlett Piland, CFMP

Creative development can feel fun and exciting. But without a focused, strategic approach, teams are gambling on heading down a path that leads to nowhere.

By consistently implementing three essential steps–every time—marketers can ensure that their creative work reaches its intended audience and achieves the desired results.

Whether you’re developing a new creative campaign internally or working with an external bank marketing agency, these steps will help you stay on track and produce effective creative content.

Step 1: Always start with a creative strategy brief

Before diving into the creative development process, establish a strategy brief. This document should outline your goals, objectives, strategies, tactics and target audience. By insisting on a written document, you ensure that everyone involved is on the same page. No joke. Strategy trumps all.

The brief should also describe other aspects of the situation and how you’re trying to solve it. Stipulate such things as tone, brand non-negotiables and any compliance requirements.

Dig deeper into describing the target audience. Develop personas for them so your creative team understands their daily life, worries, excitements and potential needs that your institution can fulfill.

Identify where you can find these people and make sure the campaign you’re developing will meet them where they are.

Step 2: Brainstorm and evaluate the creative concepts

Once you have a clear and comprehensive strategy brief in place, it’s time to let your imagination go wild. This is the fun part where you can banter with your team and come up with a large number of concepts and themes. Make it fun. Dare to be stupid. Work with a goal of coming up with as many ideas as possible. The more, the better.

It’s important to give every idea a chance while brainstorming. Not every idea will be right for your specific goals and target audience. But that’s OK. Don’t cut anything yet.

Too many great ideas are killed by self-editing or the Debbie Downer who says “that will never work” or “we tried that before already.” In this phase, generate a multitude of ideas without criticism or editing.
It’s easy to fall in love with the first idea or get carried away with a wildly cool concept. So after the brainstorming session is the time to evaluate.

This step requires critical thinking and discipline. Take the time to measure each idea against the yardstick of your brief.

  • Ask yourself if the idea effectively communicates your message to the target audience.
  • Does it align with their needs and desires?
  • Does it fit within your brand’s tone and values?
  • Is it clear and memorable?

By examining each idea this way, you can identify the strongest concepts that are most likely to support your goals.

Remember it’s the target audience who your campaign must appeal to. Not you.

Step 3: Test and refine the creative concepts

Once you have narrowed down your ideas to those that you think best align with your strategy brief, it’s time to test them. Share the concepts with your target audience through surveys, focus groups or advisory boards. This feedback can provide valuable insights into how well the ideas resonate with your audience.

During the testing phase, pay attention to whether the language used in the concepts is easily understood by your audience.

Find out:

  • Does the target audience grasp the value of what you’re offering?
  • Do the ideas evoke the desired emotions, such as humor, warmth, reassurance or excitement?
  • Does the message compel the action you seek?
  • Is there any “finance speak” that makes sense to you, but not to your customer or prospect?

This feedback will help you refine and hone your concepts before moving forward with the campaign.

Remember that feedback from focus groups is qualitative and not quantitative. While it can provide valuable insights, it’s essential to remember that the opinions of a small group may not represent the larger audience. Nonetheless, focus groups can help identify any potential red flags, issues or areas for improvement.

Superior creative strategy 1-2-3

Systematically following this three-step process will greatly enhance the effectiveness of your creative development. If your process always require a strategy brief, you ensure that everyone involved is aligned and working towards the same goals.

Whether working with an internal team or an external bank marketing agency, always insist on starting with a brief before creating, evaluating and testing. Not only does it ensure the work is on-strategy, it also reduces the risk of wheel spinning, wasted budget and potential damage to your brand reputation.

Martha Bartlett Piland, CFMP, is president and CEO of BANKTASTIC, a marketing agency that helps financial organizations build love and loyalty, and offers a special focus on millennial audiences. Her second book, Beyond Sticky, is available at all major booksellers. She is also available on LinkedIn.

Tags: ContentCreative thinkingCustomer acquisitionStrategic marketing
ShareTweetPin

Related Posts

Going vertical: Banks build expertise to serve specialized opportunities

Going vertical: Banks build expertise to serve specialized opportunities

Retail and Marketing
November 9, 2026

From law firms to physicians, banks are finding growth by targeting distinct niches.

Survey: Guiding account holders through life events boosts bank loyalty

Survey: Guiding account holders through life events boosts bank loyalty

Newsbytes
November 4, 2026

More than half of bank and credit union account holders say they remain with their institutions only because switching banks would be too hard, and many would consider switching if their institutions failed to provide adequate support during...

Turning business succession into a growth strategy for banks

Turning business succession into a growth strategy for banks

Retail and Marketing
November 2, 2026

Banks can leverage marketing to transform succession risk into a targeted opportunity for retention, acquisition and growth.

Study: CDFI microloans lead to better business outcomes for borrowers

Survey: Small-business banking customer satisfaction improves

Commercial Lending
October 29, 2026

Small-business banking customer satisfaction rose for the fifth consecutive year in 2026, driven by improvements across nearly all aspects of banking experience, according to a new survey by JD Power.

Marketing Money Podcast: What’s Your Return?

The ROI paradox: Fewer marketers increase investment in top-performing channels

Retail and Marketing
October 28, 2026

Marketers are shifting resources where perceived performance is greatest, but areas of misalignment persist.

Poll: Growing deposits top priority for midsize banks in 2023

The real value of bank deposits goes beyond yield

Economy
October 22, 2026

Bank deposits deliver different — and more — value than stablecoins do. Comparing them on only one dimension obscures the picture.

NEWSBYTES

Banking agencies extend comment period for third-party risk management guidance

November 13, 2026

House passes bills on retirement plans, VA mortgage fees

November 13, 2026

NAR: Existing home sales fell in October

November 13, 2026

SPONSORED CONTENT

AI Is Changing the Rules of Banking Competition

AI Is Changing the Rules of Banking Competition

November 13, 2026
Banking Technology at a Strategic Crossroads

Banking Technology at a Strategic Crossroads

October 29, 2026
The Shift from Demographic Marketing

The Shift from Demographic Marketing

October 1, 2026
Meeting Ag Lending Goals Without Going It Alone

Meeting Ag Lending Goals Without Going It Alone

October 1, 2026

PODCASTS

Podcast: Cathy Owen on the road ahead for America’s banks

November 11, 2026

Podcast: Proactively managing the core provider relationship

October 22, 2026

Podcast: How community banks can keep farmers farming in turbulent times

October 14, 2026

American Bankers Association
1333 New Hampshire Ave NW
Washington, DC 20036
1-800-BANKERS (800-226-5377)
www.aba.com
About ABA
Privacy Policy
Contact ABA

ABA Banking Journal
About ABA Banking Journal
Media Kit
Advertising
Subscribe

© 2026 American Bankers Association. All rights reserved.

No Result
View All Result
  • Topics
    • Ag Banking
    • Commercial Lending
    • Community Banking
    • Compliance and Risk
    • Cybersecurity
    • Economy
    • Human Resources
    • Insurance
    • Legal
    • Mortgage
    • Mutual Funds
    • Payments
    • Policy
    • Retail and Marketing
    • Tax and Accounting
    • Technology
    • Wealth Management
  • Newsbytes
  • Podcasts
  • Magazine
    • Subscribe
    • Advertise
    • Magazine Archive
    • Newsletter Archive
    • Podcast Archive
    • Sponsored Content Archive

© 2026 American Bankers Association. All rights reserved.