South State Correspondent

JULY 20, 2020

Between the interest rate environment over the past several years, the increase in digital spend, and the quest for greater operating leverage, banks can no longer afford large branch structures and still return their cost of capital. As such, most every bank will be forced to rethink its branch strategy.

Branch Strategies 288

Branch Strategies Strategy Study Capital 288

South State Correspondent

MAY 31, 2023

The advent of generative artificial intelligence is about to shift branch strategy again to re-raise the question – how can we get the most out of our branches? Likely, it might be a combination of the above, but setting a branching strategy should dictate capital allocation, branch layout, marketing, and staffing.

Data 195

Data Branch Strategies Strategy Mobile 195

South State Correspondent

NOVEMBER 20, 2024

Having the ability to calculate risk-adjusted profitability solves the critical problem of how to allocate capital across customers, regions, and products. Having instant payments solve the problem of making checks, wires, and ACH available in every application.

Strategy 195

Strategy Resources System Management 195

Jeff For Banks

OCTOBER 13, 2011

But if branches become less important, and big banks can consolidate one branch with the one in the next town over, what are they going to do with the palace? These branches are very expensive, are fixed assets on the bank''s books, and are 100% risk-weighted for capital calculation purposes.

Branch Strategies 70

Branch Strategies New Jersey Strategy Capital 70

PYMNTS

AUGUST 11, 2017

As it turns out, even if one did everything just right — following the instructions and creating a host of passwords full of letters, numbers, symbols and random capitalization — the result would likely be exactly the wrong kind of password. The document is also the source of the guidance encouraging consumers to change passwords regularly.

ATM 118

ATM United States Industry Branch Strategies 118

The Financial Brand

MAY 10, 2021

The big retail bank's experience proves a digital + physical strategy not only works, but could be the key to capturing Gen Z. The post Chatbots and Cafés: How Capital One Balances Digital, Physical Banking appeared first on The Financial Brand.

Capital 34

Capital Strategy Branding Retail 34

South State Correspondent

MAY 1, 2024

How Banks Can Leverage: While not exactly a banking innovation, banks can better allocate capital to COIs. The brand became a global hit as a result, and soon, every fashion-forward woman wanted a pair of Gentle Monster sunglasses.

Innovation 195

Innovation social media Branding Marketing 195