First Tennessee's bridge to the second decade of the 21st century is an automated connection between account opening and email platforms that enable onboarding tactics with results that blow traditional retention rates out of the water.

Banks have spoken of such a connection for more than a decade - it's one of the canons of CRM. But talk of consumer retention must give way to applied science, and the Memphis-based bank's 98 percent retention rate for email onboarding program participants in the initiative's first year is a good start.

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