We continue to hear of the demise of the traditional branch, a relic of the past, a dinosaur.

In fact, the term "traditional branch" is now applied to large supermarket branches (400 square feet) as opposed to kiosks and smaller branches within the supermarket environment. The stand-alone brick and mortar branch is allegedly obsolete. Is it time to fold up the tent? It only depends whether you are well equipped to win the war for the customer relationship (not on how big you are) and whether you as a bank manager have the intestinal fortitude and the interest in waging that war.

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