Industry Insights
Articles
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.
Articles
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.
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Accelerating Branch Small Business Banking
In 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.
Articles
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.
Articles
The New Formula for Branch Productivity
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.
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Revenue Jump Start
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.
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Branch Culture: Farewell to Order-Taking
With free checking and product push on the wane, branch management must now turn its emphasis to building an authentic sales and relationship culture.
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Consumers in Motion: Stepping Away from Branches
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.
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Strategies for the New Future of Branch Banking
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.
Articles
Rebuilding Retail Distribution
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.