{"product_id":"oldsecond-marketing-mix","title":"Old Second Marketing Mix","description":"\u003cdiv class=\"pr-shrt-dscr-wrapper orange\"\u003e\n\u003csection class=\"pr-shrt-dscr-box\"\u003e\n\u003cdiv class=\"pr-shrt-dscr-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Magnifier-Icon.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBuilt for Strategy. Ready in Minutes.\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-content\"\u003e\n\u003cp\u003eDiscover how Old Second's product offerings, pricing architecture, distribution footprint, and promotional tactics combine to build competitive advantage. This preview highlights key themes; the full 4Ps Marketing Mix Analysis delivers detailed, data-backed strategy, examples, and editable slides. Get instant, presentation-ready access to save hours and apply insights.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eP\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eroduct\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper green\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/MARKETING-MIX-Content-Product-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eComprehensive deposit accounts\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eChecking, savings and money market accounts serve retail and business clients with tiered offerings for students, professionals and SMBs, aligning minimum balances and fee waivers to segment needs. Packaging includes debit cards, e-statements and overdraft solutions, plus mobile access and Zelle; account features target digital-first users. Differentiation emphasizes local branch service and competitive interest aligned with Fed funds at 5.25–5.50% (June 2025).\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/MARKETING-MIX-Content-Product-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDiverse lending solutions\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eOld Second offers real estate, commercial and consumer loans covering mortgages, working capital, equipment and personal credit, tailored through local underwriting and relationship banking. Underwriting leverages community market knowledge to structure flexible terms and collateral for varied borrower profiles. Cross-sell links loans to deposits and treasury services, positioned amid a 2024 federal funds rate near 5.25–5.50%.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/MARKETING-MIX-Content-Product-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/MARKETING-MIX-Content-Product-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTreasury and cash management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eOld Second Treasury and cash management offers ACH, wires, remote deposit capture, positive pay and account reconciliation; NACHA reported over 31 billion ACH payments in 2024, underscoring scale. These tools improve liquidity, streamline receivables\/payables and, with positive pay (industry studies show up to 80% fraud reduction), control fraud. Bundled packages scale with complexity and integration with online banking boosts usability and retention.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/MARKETING-MIX-Content-Product-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDigital banking services\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cpold second digital banking services let customers monitor balances pay bills transfer funds and set alerts via online mobile apps with u.s. penetration surpassing in business portals add multi-user entitlements approval workflows. card controls e-statements improve security convenience while access complements branch relationship management.\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eMobile penetration: \u0026gt;75% (2024)\u003c\/li\u003e\n\u003cli\u003eFeatures: alerts, transfers, bill pay\u003c\/li\u003e\n\u003cli\u003eBusiness: multi-user approvals\u003c\/li\u003e\n\u003cli\u003eSecurity: card controls, e-statements\u003c\/li\u003e\n\u003cli\u003eAccess: 24\/7 digital + branch support\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/pold\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/MARKETING-MIX-Content-Product-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCards and payment solutions\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eOld Second cards and payment solutions deliver debit, credit access and merchant services that support everyday spending and acceptance across 9.2 billion in assets (June 2024), with contactless and digital wallet compatibility improving tap-to-pay adoption and speed. Real-time fraud monitoring and same-day card replacement limit exposure, while integrated reporting shortens reconciliation cycles for business clients.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eDebit, credit, merchant services\u003c\/li\u003e\n\u003cli\u003eContactless \u0026amp; digital wallet enabled\u003c\/li\u003e\n\u003cli\u003e24\/7 fraud monitoring; rapid replacement\u003c\/li\u003e\n\u003cli\u003eIntegrated reporting for faster reconciliation\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/MARKETING-MIX-Content-Product-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003e\n\u003cstrong\u003e9.2B\u003c\/strong\u003e assets, \u003cstrong\u003e31B\u003c\/strong\u003e ACH, \u003cstrong\u003e\u0026gt;75%\u003c\/strong\u003e mobile\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eOld Second offers tiered deposit accounts, loans (mortgage, commercial, consumer), treasury services and digital\/cards with local underwriting, cross-sell and branch support; bank assets 9.2B (June 2024) and Fed funds ~5.25–5.50% (Jun 2025) shape pricing. ACH scale (31B payments 2024) and \u0026gt;75% mobile penetration (2024) drive digital adoption and cash-management bundling; fraud controls reduce exposure and speed reconciliation.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eProduct\u003c\/th\u003e\n\u003cth\u003eKey metric\u003c\/th\u003e\n\u003cth\u003eNote\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eDeposits\u003c\/td\u003e\n\u003ctd\u003eAssets 9.2B\u003c\/td\u003e\n\u003ctd\u003eTiered fees, digital access\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLoans\u003c\/td\u003e\n\u003ctd\u003eMortgage\/commercial\u003c\/td\u003e\n\u003ctd\u003eLocal underwriting\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTreasury\u003c\/td\u003e\n\u003ctd\u003e31B ACH (2024)\u003c\/td\u003e\n\u003ctd\u003ePositive pay, RDC\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital\/Cards\u003c\/td\u003e\n\u003ctd\u003e\u0026gt;75% mobile (2024)\u003c\/td\u003e\n\u003ctd\u003eContactless, fraud monitoring\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-includes\"\u003e\n\u003ch2\u003eWhat is included in the product\u003c\/h2\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Word-Icon.svg\" alt=\"Word Icon\"\u003e\n\u003cstrong\u003eDetailed Word Document\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eDelivers a concise, company-specific deep dive into Old Second’s Product, Price, Place, and Promotion strategies, using real practices and competitive context to inform positioning, benchmarking, and strategic recommendations.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"plus-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Plus-Icon.svg\" alt=\"Plus Icon\"\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Excel-Icon.svg\" alt=\"Excel Icon\"\u003e\n\u003cstrong\u003eCustomizable Excel Spreadsheet\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eCondenses Old Second’s 4P marketing analysis into a concise, presentation-ready snapshot that relieves analysis overload and speeds strategic alignment; customizable fields let teams tailor insights for meetings, decks, or side-by-side brand comparisons.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eP\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003elace\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/MARKETING-MIX-Content-Place-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eGreater Chicago branch network\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eGreater Chicago branch network with more than 50 Chicagoland locations provides face-to-face service and visible community presence, targeting accessibility to households and businesses in high-density and suburban corridors.\u003c\/p\u003e\n\u003cp\u003eIn-branch specialists handle complex lending and treasury needs, while extended hours and appointment banking improve convenience for retail and commercial clients.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/MARKETING-MIX-Content-Place-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eATM and surcharge-free access\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eOld Second's ATM network provides cash withdrawals, check deposits and basic transactions to support retail customers. Partnerships with surcharge-free networks such as MoneyPass (≈37,000 ATMs nationwide) expand fee-free access. In-app mapping directs customers to nearby machines, while industry-standard uptime above 99% and EMV\/PCI compliance ensure reliability and security.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/MARKETING-MIX-Content-Place-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/MARKETING-MIX-Content-Place-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eOnline and mobile distribution\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eDigital channels deliver core banking anywhere, anytime for Old Second, with online account opening, loan applications and service requests available. As of 2024 mobile banking penetration in the US exceeded 80%, accelerating digital adoption. Secure multi-factor authentication and real-time alerts protect users. Consistent UX across web and app boosts retention and conversion.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/MARKETING-MIX-Content-Place-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDedicated business banking outreach\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eRelationship managers at Old Second conduct on-site visits to map client operations and customize lending and treasury solutions, improving treasury product setup and training which industry studies show can increase adoption rates by over 20%. Local decision-making shortens approval cycles—often under 48 hours—while regular reviews adjust services to shifting cash flows.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eOn-site visits: tailored solutions\u003c\/li\u003e\n\u003cli\u003eOnboarding: faster treasury adoption +20%\u003c\/li\u003e\n\u003cli\u003eLocal approvals: typically \u0026lt;48 hours\u003c\/li\u003e\n\u003cli\u003eRegular reviews: align with cash-flow changes\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/MARKETING-MIX-Content-Place-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCommunity events and partnerships\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eOld Second leverages presence at local chambers, trade groups, and nonprofits to deepen reach and source referral pipelines; FDIC data show community banks hold roughly 14% of U.S. domestic deposits, underscoring local banking impact. Financial clinics and seminars consistently attract prospects, while co-hosted events with community organizations build trust and reinforce hyperlocal positioning.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eLocal partnerships: boosts referral reach\u003c\/li\u003e\n\u003cli\u003eFinancial clinics: direct prospect acquisition\u003c\/li\u003e\n\u003cli\u003eCo-hosted events: trust \u0026amp; retention\u003c\/li\u003e\n\u003cli\u003eGrassroots visibility: supports hyperlocal share (~14% of deposits)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/MARKETING-MIX-Content-Place-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003e\n\u003cstrong\u003e50+\u003c\/strong\u003e brs, \u003cstrong\u003e≈37,000\u003c\/strong\u003e ATMs, \u003cstrong\u003e\u0026gt;80%\u003c\/strong\u003e — Chicago\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eGreater Chicago network (50+ branches) plus MoneyPass (≈37,000 ATMs) and 2024 mobile banking \u0026gt;80% provide omnichannel access; in-branch specialists and local approvals typically \u0026lt;48 hours speed complex services; relationship managers and community partnerships drive referrals and ~20% faster treasury adoption while community banks hold ~14% of US deposits.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eBranches\u003c\/td\u003e\n\u003ctd\u003e50+\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eATMs (MoneyPass)\u003c\/td\u003e\n\u003ctd\u003e≈37,000\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMobile penetration (2024)\u003c\/td\u003e\n\u003ctd\u003e\u0026gt;80%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAvg approval time\u003c\/td\u003e\n\u003ctd\u003e\u0026lt;48 hrs\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTreasury adoption lift\u003c\/td\u003e\n\u003ctd\u003e+20%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLocal deposit share\u003c\/td\u003e\n\u003ctd\u003e~14%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003ch2\u003e\n\u003cspan style=\"color: #3BB77E;\"\u003ePreview the Actual Deliverable\u003c\/span\u003e\u003cbr\u003eOld Second 4P's Marketing Mix Analysis\u003c\/h2\u003e\n\u003cp\u003eThe Old Second 4P's Marketing Mix Analysis shown here is the exact, fully complete document you'll receive instantly after purchase—no surprises. This ready-made, editable analysis is comprehensive and immediately usable for strategy or presentations. You're previewing the same final file included with your order.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Explore-Preview.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e","brand":"PortersFiveForce","offers":[{"title":"Default Title","offer_id":55675274199417,"sku":"oldsecond-marketing-mix","price":10.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0914\/5276\/8633\/files\/oldsecond-marketing-mix.png?v=1755805313","url":"https:\/\/portersfiveforce.com\/products\/oldsecond-marketing-mix","provider":"Porter's Five Forces","version":"1.0","type":"link"}