One way Internet start-ups command high values on Wall Street despite having scant profits or none is by emphasizing the worth of their customers, and experts in customer relationship management say banks should do the same.

Some of them just may have to, since it is expected that stock analysts in the next 12 months will demand that banks supply more elaborate customer measurements. "There is only one profit center - the customer," said Robert Hall, chairman and chief executive officer of Customer Analytics, a Dallas-based provider of customer relationship management software.

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