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Industry Insights


The Customer Connection in Branch Productivity

In the quest to improve branch productivity, sustainable new arrangements can only be achieved through joint adaptations by banks and their customers.


Core Deposits: Pricing for Retention and Expansion

To strengthen the composition of deposit portfolios, leading banks are refining deposit pricing strategy for major customer groups.

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Sparking Consumer Lending

Winning retail banks will gain market share by consolidating household borrowings that often are splintered among multiple providers.


Whitewater: Checking Fee Strategy for a Turbulent Market

A selective approach will be needed to lift checking economics in a way that preserves the product’s contribution to household growth and retention.



Regaining Revenue Altitude

In a challenging market, there is a pressing need for projects that can deliver early results and also set the stage for further advances going into next year.


Unlocking Liquidity Premiums

While high liquidity premiums were entirely appropriate several years ago, they now are skewing bank funding incentives and lending competitiveness at many banks.


Deposit Strategy: Tighten for Today or Reposition for Rising Rates?

To manage conflicting priorities, adept banks are parsing deposit strategy into a segment-by-segment exercise, based on the composition of the customer base.


Commercial Fee Growth: Breaking the Revenue Drought

To grow fee revenues in a tight market, winning commercial banks will use a three-horizon


Relationship Expansion: Sharpening the Focus

As the urgency grows to drive revenue growth, banks will get more lift from expanding customer relationships than from raising fees or cutting costs.


Making Sense of Mobile

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.