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Welcome Letter

Welcome!

Margins are pinched, loan demand has yet to recover, consumers and regulators are pushing back on all kinds of fees – in some ways, it seems as though nothing has changed in retail banking over the last 12 months.

But that’s not the case. Not by a long shot.

For one thing, customer behavior has changed, in a dramatic way. Gone are the days when a consumer (or even a small business customer) had to be steered to a lower cost, technology-based channel. Now, the notion that a customer’s primary touch point is online seems almost quaint — it’s a mobile world out there, and customer expectations have evolved accordingly. 

That evolution has profound implications for retail banking. What counts as a core relationship in a business where checking is irrelevant to many customers? What is the right model for branch banking in a world where few customers will set foot in one? Most importantly, how can bankers build meaningful relationships with customers in this kind of environment?

This isn’t just about technology. It’s about fundamental change, and those who succeed in this next phase of retail banking will be those who can lead that change, and exceed customers’ expectations in the process. That’s the framework we’ve applied in putting together this year’s Best Practices in Retail Financial Services Symposium. Take a look at our agenda – you’ll see a wide range of mission-critical topics and an elite array of banking industry leaders, including:

  • John Stumpf, chairman and CEO of Wells Fargo
  • Bill Demchak, president of PNC Financial
  • Pamela Joseph, Vice Chairman of Payment Services, US Bancorp
  • Ryan McInerney, CEO of consumer banking, JPMorgan Chase

The retail banking world has changed dramatically in recent years. What hasn’t changed is the unique opportunity that the Retail Banking Best Practices Conference represents: Top retail banking executives giving their insight and inside views on the initiatives that will reshape the business in the coming year.

Consider this your invitation to join us for this industry-defining event. Make your reservation now to join us in March.

Tom Brown
CEO
Second Curve Capital
Conference Co-chair

Richard Melville
Group Editorial Director, Banking & Capital Markets
Sourcemedia
Conference Co-chair