Welcome to the Bank of Abundance!

Banking is a wonderful concept, but it has one limitation – Net Interest Margins (NIM). Banks and credit unions are limited in the amount of interest rate they can pay for deposits because banking institutions are bound by NIM. In other words, banks and credit unions must manage their deposits’ rates very carefully and scientifically to stay financially sound.

But what if a banking institution wants to provide customers with abundance – a path to accumulate wealth for the long term that provides financial security and comfortable retirement. And in return, banking institutions will acquire additional deposits and an opportunity to increase their lending through lines of credit. Is this scenario even possible?

The answer is yes. Currently, there are over 100 million self-directed investors, who like to invest on their own without intermediaries such as investment advisors or money managers. Unfortunately, banks and credit unions do not provide this enormous group of customers with any path to abundance by enabling them to outperform the market with high level of confidence.

All this has changed with advancements in the science of behavioral economics and finance revealing that it is possible to project the return of ETFs. Moreover, the scientific study that validates this model: “ ?Money Anxiety Theory - a Predictor of Equity’s Performance,” shows that the Scientifically Predictable model can outperform the market with very high level of confidence.? ?

So now, community banks and credit unions can increase their deposits by requiring a minimum balance on checking accounts that provide the Scientifically Predictable model. And in return, these customers will benefit from earning a greater return from outperforming the market with high level of confidence and with peace of mind just by following the science of abundance.