Digital Banking
How consumers relate to their financial institution — trust, engagement, and the behavioral gap between product design intent and actual usage patterns in deposits and savings.
Independent Research · Charlotte, NC
Where financial
behavior meets
product strategy.
RP3 Research produces independent analysis at the intersection of digital banking, money movement, and consumer financial behavior — translating complexity into product decisions that matter.
8+ years fintech & strategy Ally Financial · Booz Allen Hamilton
Research Focus
Four domains.
One through-line.
Every engagement traces back to a core conviction: the hardest problems in fintech are behavioral, not technical.
Money Movement
The architecture and friction of payments: ACH, Zelle, wire, RDC, bill pay — and how velocity limits, UX design, and fraud signals interact with consumer confidence.
Product Strategy
Translating market signals and behavioral data into product roadmap decisions — frameworks for prioritization, vendor evaluation, and executive alignment in financial services.
Consumer Financial Behavior
The psychological and structural factors shaping how people save, spend, and move money — applied to product design and financial health program development.
Experience
Senior Manager, Product Strategy & Chief of Staff
Charlotte, NC- Own the Savings Toolkit and Financial Health product suite within the Deposits division
- Manage fintech vendor partnerships across Plaid, MX, Equifax, Array, and Fiserv
- Produce CEO scorecards, board-level reporting, and executive strategic materials
- Led deposit transformation from rate-driven to relationship-driven growth strategy
- Recently expanded into payments product strategy across ACH, Zelle, Wire, and RDC
Senior Consultant — Digital Transformation
Washington, DC- Led digital modernization programs for the Department of Veterans Affairs
- Developed cross-functional governance frameworks and program leadership structures
- Applied human-centered design to federal healthcare and benefits service delivery
- Built empathy-driven product experiences for veterans and service members at scale
About
The hardest problems
are behavioral,
not technical.
RP3 Research is the independent practice of a senior product and strategy leader with nearly a decade at the intersection of fintech, consumer banking, and organizational design. Based in Charlotte, NC — the second-largest financial center in the United States.
The core thesis: banks and fintechs are deploying sophisticated technology, but the gap between product capability and actual consumer behavior remains stubbornly wide. Closing that gap requires more than engineering — it requires deep literacy in how people actually make financial decisions.
Whether it's a product audit, a market brief, a vendor evaluation framework, or a go-to-market strategy — every engagement is anchored in behavioral reality and designed to move teams forward.
Working principles
- Empathy first.
- Product decisions that ignore how real people relate to money tend to fail quietly. Start with the human.
- Strategy without narrative is a spreadsheet.
- The work has to translate — to executives, to partners, to product teams in the room.
- Complexity is a design failure.
- The best financial products feel obvious in hindsight. Get there by removing, not adding.
- Progress happens when empathy meets execution.
- Ideas are abundant. The rare skill is turning insight into something that ships and works.
Based in Charlotte, NC America's second-largest financial center
Connect
Start a
conversation.
Whether you're exploring a research engagement, a strategy collaboration, or simply want to trade notes on what's happening in fintech and payments — the best place to start is a direct message on LinkedIn.
Based in Charlotte, NC. Open to remote and in-person engagements.
LinkedIn Message directly — preferred channel for new conversations
→ Email hello@rp3research.com
→ Open to conversations on
- Research & analysis engagements
- Product strategy advisory
- Fintech market briefs
- Speaking & panel participation
- Consulting partnerships