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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.
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 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 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.
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 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.
The Motley Fool February 12, 2008 Dan Caplinger	Where You'll Find the Best Rates As customers have moved to the Internet for financial solutions, banks have paid attention.
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?
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.
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.
U.S. Banker May 2008 Anthony Malakian	Creating a Haven of Comfort For the Rich to Do Business The mass affluent expect a branch to be as progressively designed as their home.
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 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...
Fast Company May 2002 Chuck Salter	Customer Service: Commerce Bank Commerce Bank is one of America's best-performing financial institutions, with a stock that grew more than 2,000% in 10 years. It is also America's most convenient bank, with a fanatical commitment to "wowing" its customers...
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 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 Technology News July 2009 Michael Sisk	Branch Design Diversity is the Future Continued branch innovation -- driven by customer tastes and banks' willingness to experiment -- means that banks may one day look very different from one another.
U.S. Banker January 2005 John Engen	Twenty Twenty Vision The economy might be lukewarm, but banks in the Pacific Northwest are hot. It's not unusual to see ROEs and P/Es hovering at 20. The region's rise as a banking power center is due to a crop of sharp CEOs adeptly firing up the front lines and outperforming their national peers.
Bank Technology News January 2008 Rebecca Sausner	In-Branch Marketing: New Branches Amp up Digital Signage Futuristic bank branches like that of Umpqua's Innovation Lab are rolling out all manner of new technologies, from the latest touch screen TVs to more controversial RFID readers.
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 May 2006 Holly Sraeel	Umpqua's Strategy Gives New Feel to Neighborhoods Expanding on his retail-branch push, Umpqua CEO Ray Davis is embarking on "neighborhood stores" that he says can be brought to market at half the cost of a traditional branch in just six weeks.
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.
BusinessWeek June 23, 2011 Dakin Campbell	JPMorgan's Contrarian Bet on Bank Branches JPMorgan seeks a source of cheap funds as rivals retrench. Analysts are skeptical.
Bank Director 2nd Quarter 2011 Colin Leinster	Confessions of a Mystery Shopper Mystery shoppers hold up a mirror that enables bankers to see themselves as their customers do, and the image can be downright scary.
Bank Systems & Technology February 4, 2010 Penny Crosman	Focus on Innovation: Umpqua Bank Views Innovation as a Core Value In its 'Innovation Lab' and other high-tech branches, Portland-based Umpqua Bank tests the latest technology to improve the banking experience and build stronger customer relationships.
U.S. Banker November 2003	Fleet of Foot and Playing the Whole Field The financial sector, with some notable exceptions, weathered the last three years of malaise much better than other parts of the economy. With so many bank players turning in eye-catching numbers, it would be hard not to argue the top picks on U.S. Banker's All-Star Team.
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.
Bank Systems & Technology September 30, 2006 Phil Britt	Banks Adopting New Generation of Sales Compensation Tools Banks are revamping their compensation systems to encourage more retail-like behavior from their salespeople, including branch and call center customer service representatives, loan officers and third-party distributors.
Fast Company April 2005 Lucas Conley	Cultural Phenomenon Umpqua Bank is changing the culture of customer service at banks in innovative ways.
Bank Technology News July 2011 Michael Sisk	Umpqua Keeps Testing New Ideas Umpqua has a solid track record of branch innovation dating to the late 1990s.
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.
Bank Systems & Technology September 26, 2004 Katherine Burger	My Kind of Town In a booming town that is already very heavily "banked" (in party-hearty Hoboken, probably only bars and pizza joints outnumber ATMs and branches in terms of locations), it will be interesting to track Commerce's progress.
Bank Systems & Technology July 28, 2006 Phil Britt	Offering High-Rate CDs Online Is Banks' Latest Customer Acquisition Play In an attempt to compete with online-only institutions and nonbank competitors, some traditional banks have begun to offer high-rate certificates of deposit through the Internet to attract customers.
Fast Company March 2003 Linda Tischler	Bank of (Middle) America Execs at Washington Mutual don't model themselves after Citi or Bank of America. Instead, they look for inspiration to Wal-Mart, Target, and Southwest Airlines -- giant companies that somehow manage to keep costs low and service high and meet the needs of the middle class. And it's working.
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.
U.S. Banker October 2008 John Engen	Got Deposits? The implications of the present shakeout won't be fully understood for years, but it seems clear that the competition for deposits will be more intense in the years ahead.
Bank Technology News July 2006 John Adams	Measuring Branch Performance: Taking The Guess Out Of The Gaps Deciding how to rate a branch's bottom line can be sticky for banks. Can a Canadian firm's "blueprint" tool bring a distant footprint into focus?
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.
U.S. Banker January 2006 John Engen	Fabulous on the Fundamentals The first three quarters of 2005 were the most profitable in banking history, with record earnings of $102 billion. But already in 2006, analysts see signs of change in the overall approach bankers take to the business.
BusinessWeek April 3, 2006 Mara Der Hovanesian	Coffee, Tea, Or Mortgage? Banks are cozying up to customers while using high-tech tools to identify prospects.
Bank Technology News July 2011 John Adams	Huntington Dives Into Digital Signage Branches will be outfitted with multiple 40-inch flat screen panels in which tailored content can be quickly uploaded to each location.
Fast Company September 2006 Jordan Breal	Local Hero: Frost Bank Banking as an example of the right way to treat customers.
U.S. Banker November 2001 Mark Bruno	First State Bank of Michigan Taps Horizon USA First State Bank signed a deal with Horizon USA, a Houston-based advertising and marketing firm, which designed 10 online banking kiosks, located in 10 of the bank's branch lobbies...
Bank Technology News December 2008 Rebecca Sausner	Pushing BI Over Branch Network NorthWest improves customer experience and increases efficiency by upgrading its teller and platform software.
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.
U.S. Banker October 2009	Noted and Noteworthy Not everyone expects Bank of America s decision to cull its roughly 6,200 branches by 10 percent to fuel a widespread rationalization of big-bank branch networks.
Bank Technology News February 2006 John Adams	Small Business: Heritage's Shopping Remote Capture Heritage Bank is allowing small business customers to deposit checks electronically and remotely, allowing the bank to stretch beyond its traditional footprint
AskMen.com Ian Lang	Things Your Bank Doesn't Want You To Know Here are a few insider secrets you should know before opening a bank account.
Bank Systems & Technology February 1, 2007 Nancy Feig	Commerce Bank Automates Its Tellers The bank bring its teller platform up to speed with Getronics' help.