CHANGE NEEDED: "The transformation of the whole industry is so significant that it's requiring us to rethink every process in the bank," said Denny Hudson, Seacoast's chairman and chief executive. "In five years, we will need to have a massively different expense structure than we have today."

Seacoast in Florida Aims for Analytics-Based Transformation

The company is opening high-tech loan production offices and using data analytics to match customers with products. But like other banks seeking to modernize, Seacoast is trying to balance short-term needs with costly long-term investments.

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