As bankers focus more and more on the branch and what the future holds for it, their attention is moving away from the value of customers.

Debate has long raged on whether there is a future for the branch. Recently branches have come back into vogue, as they should. But let's not forget that though Fidelity and Schwab are branching, they are covering the whole nation with just 100 branches. Many banks cover a single state with more.

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