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Branch Efficiency: Today’s Cuts vs. Tomorrow’s Growth?

Something’s got to give. On the one hand, the physical branch network remains the anchor of most customer relationships in retail banking, both for households and small businesses. And because of this customer connection, the branch will continue to play a prominent role in the future of retail banking. On the other hand, branch networks became heavily overgrown during recent expansion years and now pose an immense expense burden — over half of the total ...

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