The $124 trillion infrastructure gap
Why the largest wealth transfer in history requires a new category of banking infrastructure.
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Research & thought leadership
Industry analysis, original research, and strategic perspectives on estate orchestration infrastructure and the future of banking.
Featured publication
The Death of Deposits
The definitive analysis of how the $124 trillion wealth transfer is silently eroding bank deposit bases and what institutions must build to survive it.
Written by Martha Sylla Underwood, founder of Prismm and a 25+ year veteran of regulated banking and financial technology. This book exposes the structural gap in banking infrastructure and introduces estate orchestration as the category that fills it.
Research & analysis
Industry perspectives
The business case for estate infrastructure
A detailed ROI model showing how institutions generate measurable returns with estate orchestration infrastructure.
Request access →Estate orchestration: category definition
What estate orchestration is, why it's different from estate planning, and how it fits into banking technology.
Request access →In the news
Prismm in the press
FinXTech · Apr 2026
Can banks and credit unions survive the great wealth transfer?
Prismm co-founders featured on how estate orchestration infrastructure helps institutions retain inherited assets through the $80+ trillion generational wealth transfer.
Read article (opens in a new tab)Yahoo Finance · Mar 2026
Prismm CEO honored on "Women Who Move Birmingham" tribute bus
Recognized for developing digital infrastructure for families and financial institutions during life's most complex transitions.
Read article (opens in a new tab)Inc. Magazine · Dec 2025
How do you plan for 2026 when there's so much uncertainty? 3 founders tell all
Martha Underwood joins founders from Magic Spoon and Teal Health on navigating unpredictable markets.
Read article (opens in a new tab)Strategic advisory
Bank strategy & innovation advisory
Financial institutions are navigating a seismic shift. AI, digital transformation, and the $124 trillion wealth transfer are creating new challenges at every level of the organization, from the individual contributor managing daily account operations to the executive suite making long-term strategic bets.
Prismm's advisory practice bridges that gap. We help bank and credit union leadership teams surface the operational changes happening on the front lines and translate them into executive-level strategies that drive revenue, retain deposits, and position the institution for what comes next.
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Keynotes & industry presentations
Martha Underwood is available for keynotes, panel discussions, and strategic briefings on estate orchestration infrastructure, AI in banking, and the future of financial services.
Recent topics include bank strategy in the age of AI, the $124 trillion infrastructure gap, and how institutions can turn estate readiness into a competitive advantage.
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