PHOENIX - Bricks and mortar - and even infrastructure - are making a comeback, if the speakers at American Banker's Best Practices in Retail Financial Services conference this week are to be believed.

Bankers said they are learning to appreciate all the trappings their industry brings to the Internet economy - huge customer bases, trusted brands, established procedures, and, yes, even branches. They said they are adapting to the changes being wrought by the Internet, just as they adapted in the past to changes like interstate banking and the advent of automated teller machines.

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