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Sparking Consumer Lending

Slack consumer loan growth is a major problem for retail banks. Along with tighter underwriting standards following the recent financial crisis, origination volume is being depressed by weak consumer demand as U.S. households shed debt. Yet significant opportunities remain for banks that can reorient their approach to consumer lending. Instead of promoting products individually, the new emphasis is on serving established customers more fully and capturing more accounts at the onset of new customer relationships. ...

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