

Vol. 2 No. 1 | 2011
Rebuilding Retail Distribution
January 2011
Preserving old-style branches will be of limited value in a permanently changed market. For renewal, winning banks will look to the future of multi-channel retail distribution.
Editor’s Letter: Next Generation of Retail Banks
January 2011
This issue of the Novantas Review probes the future of branch banking and retail distribution, including the flux between physical and virtual channels.
Bridging Two Worlds: Physical Branches vs. Electronic Delivery
January 2011
Novantas’s national consumer survey research shows that all types of banking transactions are migrating out of the physical branches. Bank branches will no longer be the primary transaction hub.
Strategies for the New Future of Branch Banking
January 2011
Acute pressure for branch cost reduction is much more than a temporary operating challenge. Instead, new strategies will be needed for a permanently changed market.
Making the Most of Small Business Specialists
January 2011
Small business specialists available in individual bank branches can be very powerful in setting the stage for accelerated small business growth at that branch.
Consumers in Motion: Stepping Away from Branches
January 2011
A national consumer survey by Novantas shows that customers are broadly moving online for basic banking activities, yet still prefer the branch for high-value transactions.
Bank Branch Strategy: Multi-line vs. Thin Networks
January 2011
The traditional branch is no longer viable — 40% of bank branches are not making money. New-form bank branches are needed to replace the traditional model. While improving the customer experience, they will increase customer retention and contribute significantly to profitability.
The New Formula for Branch Productivity
February 2011
Retail branch banking has entered a period of radical change. Comprehensive strategies, as permitted by staff mapping, will be needed to transform the branch workforce.
Commentary
Making Sense of Mobile
March 2011
Banks need to do far more homework on customers before rushing to market with mobile applications. A strict appeal to Generation Y sensibilities could backfire
Revenue Jump Start
February 2011
In a challenging year, proactive measures to boost the top line are preferable to a strict focus on cost control, and their benefits can easily extend into 2012 as well.
Small Business Specialists: No Slam Dunk
January 2011
As banks deploy more small business specialists across their networks, pressure is rising to make effective use of this expensive talent.
Branch Culture: Farewell to Order-Taking
January 2011
With free checking and product push on the wane, branch management must now turn its emphasis to building an authentic sales and relationship culture.
Feature
Accelerating Branch Small Business Banking
March 2011
IIn an era of wrenching change for branch networks, small business banking has become a focal point for revenue growth and an outreach to priority customers and prospects.Many institutions will need to improve their execution and consistency in order to boost their performance in this tight market.
Videos
Getting the Most from Loans and Deposits in a Tough Market
February 2011
Dave Kaytes, managing director at Novantas, LLC spoke on CNBC’s Worldwide Exchange with Nicole Lapin discuss the implications of the new banking regulations.
What Consumers Want From Mobile Banking Apps
March 2011
In this video, Madhavi Mantha, principal and head of banking research at analyst firm Novarica, shares new research on consumer preferences vis a vis mobile banking, and what banks should do to respond to these trends.






