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To Solve the Checking Problem, Solve the Household Cash Management Problem

Confronted with potentially dramatic reductions in checking overdraft fee revenues, banks are intensely studying new laws and regulations and searching for quick ways to correct broken product economics and re-engage with customers. Often overlooked in the stampede, however, is the fact that the primary industry challenge stems from a fatigued business model and significant unmet customer needs — not from the changing rules of the road. In fact, evidence that overdraft fee income was unsustainable ...

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