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TRANSFORMING BRANCHES - AND THE BRANCH NETWORK

Retail banking is facing a difficult challenge. Channel preferences are changing and teller visits are declining. But customers still value branch convenience as the most important factor in bank selection, and branches are still the primary channel for customer acquisition and consultative sales for both consumers and small business. Banks must evolve their retail distribution strategies, but what kind of branches - and what kind of branch network do we need for the future.

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