Mention one of the buzzwords in retail banking today, and chances are Roger O. Goldman will have none of it.

The gregarious National Westminster Bancorp executive vice president doesn t have much use for market segmentation ( There really are only three customer segments consumers and small business, wealthy people, and middle-market companies. ); the Internet ( Nobody uses that stuff. ); or viewing banks as value-added information providers ( We re a marketing and distribution company that happens to be selling financial services. )

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