Wallflowers don’t get to dance. In saturated marketplaces, such as financial services, where B2C and B2B products and services regularly blur into a sea of sameness, harnessing the standout power of brand personality is crucial. It’s no longer enough to have a quality product; how a brand shows up and engages is what truly sets it apart. 

In our overpaced world we’re at a point of filtering out the noise – with exposure to 4,000 to 10,000 ads daily[1] and making 35,000 decisions a day[2]. Which is why brands need to be memorable. Audiences aren’t just looking for features – they’re seeking meaningful connections. 

In the helter-skelter chase for growth, financial services brands will continue the innovation charge – from self-directed investment platforms; to new ETF wrappers; to on-demand managed portfolio services; and IFA-accredited influencers. But product and service innovation isn’t enough. The brands have to be badges of trust and meaning. Awareness is only half the battle. And in a world with budgets increasingly heading towards performance-led activity[3], the need for brand-building behaviour that creates stature and esteem remains evergreen.

Never has the risk of ‘blanding’ been more pronounced than now.  

In our report ‘[NoticeMe!](//downloads.ctfassets.net/sxw14dxmazhg/3f5Ii0cJv8Dxd1x76biHyq/8f3217202291e6c5e2a6be8f395d2349/9988_TS_Notice_Me_Report_2025_RGB_UK_AW4_MO.pdf) Why financial services need fame’, you’ll find our view on why financial services need to unashamedly chase fame; our definition of what we mean by fame; a host of noteworthy examples from within and outside the sector; and how to create it.

[Yes.  I want a copy of NoticeMe! please](//downloads.ctfassets.net/sxw14dxmazhg/3f5Ii0cJv8Dxd1x76biHyq/8f3217202291e6c5e2a6be8f395d2349/9988_TS_Notice_Me_Report_2025_RGB_UK_AW4_MO.pdf)

## Sources:

1. [https://colorlib.com/wp/advertising-statistics/](https://colorlib.com/wp/advertising-statistics/)
2. Cowry Consulting. Memory EQ. 
3. [Ebiquity and the World Federation of Advertisers (WFA) report](https://www.marketingweek.com/advertisers-focus-performance/)


Financial services firms need fame more than ever.  Find out why and what’s cutting through by downloading our report: ‘Notice Me!’.

NoticeMe! Why financial services need fame

While Spotify’s fascinating annual reveal of our music habits, or food retailers’ nudges of what we might enjoy next demonstrate how personalisation of communications and experience  creates win-wins for brand and customer, why is financial services late to the party?  

Over half of consumers state they’re more likely to repeat buy after a personalised experience[1]. Equally, 80% of financial institutions view personalisation as essential to meet the required Consumer Duty led standards[2].

So what do we need to do to play catch-up? That was the crux of our breakfast event, run in partnership with The Financial Services Forum, with three leaders in the field:
- David Conner, Head of Experience Design at Scottish Widows
- Simon Ripton, Director of Propositions at Open finance platform Moneyhub
- Richard Sullivan, Financial Services Lead, LinkedIn
- Chair - Fiona Couper, CMO, Teamspirit

Key take-aways from the event held at Mintel were:

- __Moments of truth.__ The importance of interacting with customers at key moments in their journey was critical - not just when providers wanted to sell to them
- __Enriching existing data was essential__ to deliver meaningful customer understanding. And how Open Finance enabled improved tailoring of solutions on dimensions including vulnerability, behaviour and risk
- __More creativity is required to achieve cut through.__  The panel discussed how personalisation needed to think bigger and go beyond the traditional
- __The need for a value exchange.__ How there was a need to provide value in terms of rewards, decision-making information and entertainment through content and gamification in exchange for customers’ data,  time and loyalty.
- __Generational tailoring.__ The meeting discussed that given given Gen X and Gen Z's preferences and expectations of channels, tech and communication, tailoring now needed to work at these levels too
- __The need for companies to  now deliver customer personalisation at Total Experience (TX) level not just UX__, spanning all customer touchpoints
- __‘Continuous engagement' as a marketing strategy.__ Speakers discussed how the impact of different engagements, nudges and interventions could and should be tested continuously to create learnings for later roll out and incorporation into experiences

Personalisation is just one of the emerging trends explored in our recent Signals report which you can view/download [here](https://www.teamspirit.co.uk/news-insights/2025-signals-report)

![FSF Feb Event](//images.ctfassets.net/sxw14dxmazhg/8yzOfsf3nVFljfjyNU1qb/cc45d9380b3a50f08a13626370a56d06/FSF_Feb_Event.png)

## Sources:

1. [https://www.twilio.com/en-us/blog/announcing-the-state-of-personalization-2021](https://www.twilio.com/en-us/blog/announcing-the-state-of-personalization-2021)
2. [https://www.dynamicyield.com/personalization-maturity-report-for-finance-2023/](https://www.dynamicyield.com/personalization-maturity-report-for-finance-2023/)

With high impact personalised customer experiences and communications on the rise, financial services is one of the slower sectors to the party.  What do experts from Scottish Widows, LinkedIn and Moneyhub feel FS needs to focus on?

How can financial services provide more personalised experiences?

__Welcome to our annual Signals report, where we look at the marketplace direction that we believe will have a significant impact on how financial services communicate.__

Despite being unable to categorically rule out an end to the permacrisis, we are cautiously upbeat about two broad themes for the year ahead – an attitudinal shift and tech enablement. 

Some of the changes of attitude that we predict will be widely embraced include: the desire for Fame, doing fewer things better and securing greater impact; Long-termism with a focus on the ‘S’ as sustainability becomes embedded and Business to Human, as B2B communications become braver and go beyond product. 

In terms of tech enablement, of course no 2024 signals report would be complete without a view on AI. Very aware that there’s the good, the bad and the reality, AI Driving Emotional Moments is a fascinating review of positive application, as is Hyper-personalisation. Platform enablement is explored in both The New Adviser, which looks at the impact of TikTok on the advice market, and, in One Line of Sight, we outline how holistic financial services interfaces are meeting user expectations.

Enjoy the read ahead.

[Download the report here](https://assets.ctfassets.net/sxw14dxmazhg/jNSe8xFxo3VnUarFvWZCt/63fc7b5d494576b1889826043fe98b42/Teamspirit_-_2024_Signals_Report.pdf)

If you’d like to discuss the impact of these signals on your business contact us at [hello@teamspirit.co.uk](mailto:hello@teamspirit.co.uk).

Welcome to our annual Signals report, where we look at the marketplace direction that we believe will have a significant impact on how financial services communicate. 

2024 Signals Report

AI is becoming an indispensable tool for supporting the evolution and effectiveness of brand building. 

Undoubtedly it can provide the flexibility and data-driven insights necessary to allow brands to adapt and thrive, particularly to increase personalisation and content relevance.  AI’s capacity to analyse vast amounts of consumer data to identify emerging trends and preferences, can help brands adapt their hero assets to remain relevant and appealing. 

But while AI offers insights and data for planning, it falls short on creating truly distinctive brand assets, logos for example. The craft and insight gained from years of individual and collective experience, empathy and understanding remain a more powerful tool for creation.

Let’s explore what’s good about AI, what’s bad and what’s the reality when considering how to use it to build long-term brand fame and affinity. 

## The Good
AI assistance can help speed up several stages in the brand building process:

### AI and Colour 
AI can assist in colour selection by analysing a colour’s psychological and cultural associations. This data-driven approach can help brands choose colours that not only align with their values but also evoke specific emotions in consumers. 

But when AI algorithms monitor colour, it’s worth remembering that they’re just watching trends. So, while we may think it’s a good idea to make adjustments to keep a brand's colour palette fresh and appealing, it makes for a here-and-now-approach, not one that builds longevity. 

### AI and Logos  
AI can aid in logo design by analysing vast datasets of successful logos to identify patterns and elements that, at a moment in time, resonate with audiences. This data-driven approach can support with creating sets of potential logos as a starting point.

Some may say that AI-powered tools will allow you to continually assess consumer sentiment towards logos, helping brands to adapt and refine their visual identity based on real-time feedback. But is that ability to adapt to changing consumer preferences also able to ensure the logo remains a powerful representation of trust and reliability? We would say not. 

### AI and the words: Brand lines and TOV  
AI is able to assist in creating memorable lines, by analysing linguistic data and consumer sentiments. Natural Language Processing (NLP) algorithms can help brands understand what words and phrases resonate with their target audience. These insights can then guide the creation of straplines that not only encapsulate the brand's essence, but also align with the current cultural conversation. But the nuances and empathy that a writer, strategist and brand marketeer bring is still needed to ensure the lines truly do hit home.

Additionally, AI-powered chatbots and virtual assistants are now becoming extensions of a brand's voice, helping to reinforce straplines and brand identities in customer interactions. Programming chatbots to assume a brand’s tone of voice can prevent customers feeling alienated in automated spaces. However, there is a bigger question at play: if authenticity is key to a brand, does the mere presence of an AI chatbot negate that brand experience? 

## The Bad
However sophisticated the AI, it still has various drawbacks:

### Lack of Creativity
AI is based on algorithms and patterns, which limit its ability to generate truly innovative and creative ideas. AI-generated designs that follow popular trends and templates are likely to result in brand assets that look generic and fail to stand out. Building a brand requires out-of-the-box thinking and emotional resonance, which remain challenging for AI to replicate.

### Loss of Human Touch
The most successful brands are built on creating genuine emotional connections with users.

AI lacks the human touch and emotional understanding that are crucial when crafting brand assets that resonate with the target audience.

### Inconsistent Brand Messaging
While AI can help automate certain aspects of brand communication, it may not always understand the nuances of a brand's values, mission, and voice. This can lead to inconsistencies in messaging, which can be detrimental to brand identity.

### Ethical Concerns
We strongly believe in using AI responsibly. This includes being aware that AI algorithms are only as good as the data they’re trained on. Biases present in the training data can lead to unintentional biases in brand assets, which can have negative social and ethical implications.

### Limited Understanding of Cultural Nuances
Branding often involves understanding and respecting cultural nuances. AI may not have the cultural sensitivity required to navigate diverse markets effectively, potentially leading to cultural misunderstandings or insensitivity. This is particularly true when creating global brands that are also locally relevant.

### Energy Guzzling
While undoubtedly a powerful tool to help explore brand building, using AI comes at a considerable energy cost. It relies heavily on the computational power of servers and vast server farms, often powered by energy-hungry data centres. These are packed with high-performance hardware and require an immense amount of electricity to function efficiently.

As we explore the exciting possibilities of AI in brand and content creation, it’s crucial to recognise the environmental impact of these energy demands. Balancing innovation with sustainability is paramount in harnessing AI’s potential, while minimising its environmental footprint.

## The Reality
While AI can be a valuable tool in the branding process, we believe that it must be used judiciously and in conjunction with human creativity and expertise. The downfalls of AI in branding for the long term largely revolve around its limitations in creativity, emotional understanding, and cultural sensitivity.

Successful branding efforts involve a harmonious blend of AI-driven data insights and human-driven creativity and intuition, to create brand assets that truly resonate with the target audience and reflect the brand's unique identity.

Our view is that AI is a useful tool to speed up exploration. But it’s not an answer in itself. It’s great for finding averages and trends. But not for standing out or disrupting sectors.
It can only remix the here and now.

__Here’s our best practice advice for brands thinking of using AI tools and approaches: __

1. __Balancing Human and AI:__ Use AI as a tool to enhance human creativity and decision-making rather than replace it. Combine the strengths of AI (data analysis, automation) with human insights (creativity, intuition).
2. __Ethical AI Usage:__ Be aware of potential biases in AI algorithms and take steps to mitigate them. Ensure ethical AI practices to avoid unintended consequences.
3. __Continuous Learning:__ Invest in ongoing training and education to stay updated with the latest AI tools and techniques relevant to brand management.
4. __Testing and Validation:__ Before implementing AI-driven changes to brand assets, conduct thorough testing and validation to ensure they align with the brand's core values and resonate with the target audience.
5. __Human Oversight:__ Maintain human oversight in the branding process. Human expertise is crucial for assessing the emotional impact of brand assets.
6. __Flexibility:__ While AI can provide valuable insights, be willing to adapt and make changes based on qualitative feedback and evolving market dynamics.

If you’d like to discuss how to assess your brand’s ability to thrive in an AI driven world of urgency, please contact us at [hello@teamspirit.co.uk](mailto:hello@teamspirit.co.uk).

AI is becoming an indispensable tool for supporting the evolution and effectiveness of brand building. But while AI offers insights and data for planning, it falls short on creating truly distinctive brand assets. Find out more in our latest article. 

Branding with AI: The good, the bad and the reality

What an achievement it was to celebrate the Teamspirit 20th Anniversary. We thought such a landmark should be remembered in a BIG way. Doing what he does best, our Art Director Joe Childs wanted to show his gratitude by painting a large mural on the roof terrace for everyone in our company and clients to enjoy whilst relaxing upstairs. 

Working in our bold and bright company colours, Joe created a typographic design, using our icons to reflect our creativity and expertise. “I love the Teamspirit brand colours, so it was a lot of fun using them when painting the wall. The roof garden looks great, the painting is really vibrant and it makes a big difference up there”.

<strong>Watch our video of its creation below</strong>

<iframe src="https://player.vimeo.com/video/140073478" width="800" height="480" frameborder="0" webkitallowfullscreen mozallowfullscreen allowfullscreen></iframe>


The proud reveal of our stunning new mural

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NoticeMe! Why financial services need fame

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Tue 2 Jan 2024

2024 Signals Report

Tue 14 Nov 2023

Branding with AI: The good, the bad and the reality