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U.S. Banker July 2011 Glen Fest	Smart Strategies for Dumb Phones Banks must balance the urge to make investments for a smartphone world against the needs of today s customers -- and a majority of them use standard cell phones.
Bank Systems & Technology May 1, 2006 Phil Britt	Don't Shutter the Branch Yet Despite all the attention given to online banking and self-service, for now, branches remain a strong component of banks' channel strategies, evidence suggests.
U.S. Banker May 2011 Matthew de Paula	New Adventures in Branch Banking More banks are thinking about not just how to redesign their branches, but how to redesign their entire branch experience.
U.S. Banker November 2010 Alan Kline	Sharing Space to Cut Costs Ask any retail banking expert what the branch of the future will look like and the first word you re likely to hear is smaller.
Bank Director 3rd Quarter 2010 Jack Milligan	The Big Retail Showdown Despite countless warnings that the industry has hit a wall on brick-and-mortar viability, lots of financial institutions are holding their ground, determined not to let this era become branching's last stand. Can branches remain profitable once the dust settles on the current economy?
U.S. Banker May 2010 Matthew De Paula	5 Ways to Optimize the Branch The branch of the future will be much leaner. But the inevitable downsizing of space and staff can be tricky. Here are some ways banks are turning less into more.
Bank Systems & Technology August 24, 2006 Phil Britt	Living in a Multichannel World As banks decide how to allocate approximately $6.5 billion in investments on retail channels this year, they would be wise to look at how customers use those channels, according to Karen Massey, senior research analyst for Financial Insight.
Bank Systems & Technology November 1, 2006 Phil Britt	Study: Channel Preference Is Age-Dependent Though financial services customers as a whole prefer branch banking, there are clear differences in customers' channel preferences based on age, according to a recent American Bankers Association (Washington, D.C.) survey of 1,000 consumers.
Bank Technology News August 2010 Rebecca Sausner	Citi's Japanese Revolution Citi's "smart banking" strategy in Japan.
U.S. Banker December 2010 Matt Monks	Help Wanted: Part Time Many banks let go of part-time workers when the financial crisis hit, but as the need to cut costs at branches becomes more acute, so does the appeal of a staff with flexible hours.
Bank Technology News December 2009 Steve Bills	BBVA Branches Into Video Customers may soon be talking to a screen at the branch - instead of a person.
Finance & Development March 2011 Oshima & Chan	Branching Out Access to basic financial services in low-income countries is growing.
Bank Systems & Technology June 2, 2004 Steven Marlin	Where The Money Is The current branch revival is evidence that the era of multichannel delivery is here to stay.
U.S. Banker December 2001 John Hackett	Branches -- Hot New Delivery Channel With banks in a struggle for customers, branches have become in-the-field artillery. After years of fiddling with newfangled delivery channels, bankers across the nation are rediscovering that branches can be their most powerful weapons...
Bank Systems & Technology May 21, 2007 Katherine Burger	Online Banking Growth Outpacing That of Call Centers, Branches, ATMs, TowerGroup Report Says According to a recent report, online banking is increasing in use at an annual rate of 27% -- compared to 7% for the call center, 1.4% for the branch and only 0.5% for ATMs.
Bank Technology News August 2009 Michael Sisk	Automated Tellers Are Getting Smarter These souped up smart ATMs don't simply dispense cash 24-hours a day; they are actually replacing tellers at branches.
Bank Systems & Technology February 1, 2007 Kere Lewis	Banks to Explore Channel Optimization In 2007, many banks will explore channel optimization and the alignment of products and services with sales and service delivery channels to balance a positive customer experience with the need to better control costs.
Bank Technology News July 2009 Michael Sisk	The Future of the Bank Branch Innovative branch design and technology must encourage engagement with employees, not to discourage human interaction.
U.S. Banker September 2010 Glen Fest	Miles to Go The online banking evolution is far from over. Banks have a lot of room to improve and a lot of revenue to gain once they do.
Bank Technology News December 2003 Holly Sraeel	Branches Are Back. Is This Banking's Big Break? Identity theft may be grabbing headlines, but most banks are heavily focused on branches, particularly in understanding what types of activities are conducted by customers while there.
Bank Systems & Technology November 3, 2009 Maria Bruno-Britz	In Channel Projects, Banks Look for Simpler Solutions The new economic conditions are dictating smarter use of resources among banks as they enhance their channels.
Bank Technology News August 2006	Branches Take Center Stage: Invest or Fall Behind Branches are a top priority among chief executives who see them as the nucleus of their retail banking franchises. But not all chief executives have been as quick to rethink, retool and reinvigorate their branches as their more aggressive peers.
U.S. Banker August 2001 Mark Bruno	Unisys Taps SPSS for Analytics Assistance Banks will be able to use the software to determine strategies that initiate cross-selling.
Bank Technology News August 2007 Alenka Grealish	The Web: Mature, Yet New Internet banking shows signs of maturing but few signs of aging as innovation continues to flow.
CRM February 14, 2011 Koa Beck	Mobile Banking to Increase Five-Fold Over the Next Five Years A Forrester forecast indicates one in five American consumers will be using online banking by 2015.
Bank Technology News January 2010 Michael Sisk	Gut Instinct Meets Analytics Brian Coakley, CIO of North Country Savings Bank, says using electronic channels to drive down costs and boost customer convenience is all well and good, but as a community bank we need to make sure we move the right people to the electronic channel; but not everyone all the time.
Bank Technology News November 2010 Sean Sposito	Self-Service (R)Evolution "Branches are the number one or number two predictor of deposit growth. Branch convenience is the number one or number two reason that customers chose a bank," says Jed Taylor, vp of uGenius.
Bank Systems & Technology October 28, 2004 Ivan Schneider	Here Today ... Everywhere Tomorrow The availability of low-cost technology is driving consumer demand for high-tech branches, and banks are getting the message.
Bank Systems & Technology July 9, 2009 Maria Bruno-Britz	Jibun Bank Takes Direct Banking to the Mobile Phone Japan's Jibun Bank uses the mobile phone as its primary delivery channel.
Bank Technology News March 2010 Karen Epper Hoffman	ATMs Get More Connected Automated teller machines may no longer be the one-trick pony of banking.
Bank Systems & Technology September 17, 2007 Nancy Feig	Age Matters When it Comes to Channel Preference Though generational differences greatly influence consumers' banking behavior and young consumers have a clear preference for online banking, traditional channels still are important for servicing all generations, two recent surveys suggest.
Bank Technology News April 2009 John Adams	Take Stock of Your Own Real Estate The arrival of automated branch performance management at Summit Bank also came with a 95 percent cost haircut, a welcome savings in a time where every dollar is gold.
BusinessWeek September 27, 2004 Moon Ihlwan	Korea: Mobile Banking Takes Off While it's been tried before, in Korea and elsewhere, a memory chip makes the new service far easier to use -- and far more popular -- than earlier schemes. And for Korea's finance and cellular industries, it's a win-win deal.
U.S. Banker July 2009 Glen Fest	The Dollars and Sense of Going Mobile Banks that latched onto mobile banking a few years ago were more interested in first-mover advantage than profitability.
Bank Systems & Technology November 4, 2003 Ivan Schneider	Fast-Track Citizens Why do people continue to use bank branches despite the ready availability of automated alternatives? Who knows? But since they do, Citizens Bank has continued to place the branch at the center of its retail banking strategy.
The Motley Fool July 7, 2010 Kris Eddy	A Shift Away From Paying With Plastic Smartphone software could bump the swiping of credit and debit cards to the side, taking business away from card companies and banks, as well as hardware and security providers.
U.S. Banker January 2010 Darryl Demos	Bank Branches: The Changing Nature of Work and Workers In today s changing times, banks will need to evaluate and evolve their branch workforce strategies to meet not only the changing needs and interaction preferences of their customers, but also the flexibility requirements of the available labor pool.
Bank Systems & Technology October 29, 2008 Maria Bruno-Britz	Banks Look to Multimedia Technology to Grow Branches Banks are striving to change the branch's image by reworking the channel to appeal to a wider array of customers.
Bank Technology News July 2011 John Adams	Robo Tellers A growing number of banks are deploying "personal teller" machines equipped with videoconferencing that allow remote branch staff to do virtually anything they could at the physical location.
Bank Systems & Technology March 31, 2005 Phil Britt	Higher Education Hooking customers at a young age is a sure way to build future business. WSFS Bank, a subsidiary of WSFS Financial Corp. saw an opportunity to capture the business of students at the University of Delaware by providing low-cost remote channels for most of their banking needs.
Bank Technology News February 2009 Michael Sisk	Online Banking Lessons From Canada Consumer adoption of Web banking has been a major success story in Canada, leading some to wonder if that success can be duplicated south of the border.
Bank Technology News January 2007 John Adams	Customer Service: The Hand Behind the Desktop AnchorBank is using desktop sharing to help customers remotely.
Bank Systems & Technology March 10, 2004 Ivan Schneider	TransAtlantic Farms Out Check Images Miami bank's courier costs melt like a snowball in South Beach
Bank Technology News January 2007 John Adams	Branch Automation: Helping Customers To Help Themselves Buoyed by the success of user-driven automated service at airports and supermarkets, firms like Source Technologies and NCR are selling the idea to financial firms.
Bank Technology News July 2011	Citi Turns to Apple for Inspiration Citi is investing millions in new branches and branch refurbishments that provide technology and design upgrades, providing a more Apple-like experience for retail customers.
U.S. Banker January 2008 Anthony Malakian	Poor Branch Placement Could Kill Revenues For smaller community banks, poor branch placement is a far greater concern than for a trillion-dollar behemoth.
U.S. Banker November 2010 Alan Kline	Snap a Picture, Cash a Check? Not at My Bank Right or wrong, we want things to be quick and easy these days, and if a bank can t meet our demands we ll take our business elsewhere.
Bank Systems & Technology October 8, 2009 Maria Bruno-Britz	Northeast Bank Takes New Approach to Branching With dwindling transaction levels at the branch due to self service channels, Northeast Bank is revising its branch strategy.
The Motley Fool July 19, 2010 Dan Caplinger	Bank of America to Customers: Get Out and Stay Out! Free checking accounts go to those who won't visit tellers.
CRM June 2007 Ian Jacobs	We Can't Rewind, We've Gone Too Far Stop regarding video as another technological nuisance -- video will achieve the CRM trifecta of lower costs, better service, and happier customers.