If you don't think it makes much sense for banks to be putting a lot of energy into FaceBook and Twitter applications-despite what marketing teams think-new survey results from Javelin Strategy & Research provide some backup for your position.

Though going where your customers are is the mantra-and 52 percent of online adults and 82 percent of core millennial use social networks-most consumers can't fathom a great reason to interact with their banks there. "There's a 7:1 ratio of consumers who say, 'I don't see a connection between social networking and banking,'" says Javelin analyst Mark Schwannhauser.

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