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March/April 2002
Volume LXXVIII Number II
Published by BAI

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CONTENTS
 

Aggregation's Stress Test
by John R. Engen — Tepid customer demand for account aggregation keeps profitability out of reach. Can banks build an acceptable business case?

Forced Fit?
by Kenneth Cline and Lauri Giesen — As banks categorize their customers, they need to make sure they're measuring the right things and using the data pragmatically.

The E-Check Dilemma
by Elizabeth Judd — Although electronic check truncation presents banks with both pros and cons, they may have no choice but to go with the flow.

The Friction Factor
by Kenneth Cline — Online lending has a bright future, roundtable participants say, as long as lenders make the origination process speedier and more convenient.

Smart Speed
by Bill Stoneman Bank merger strategists are still struggling to find the correct balance between speed-of-integration and customer retention.


DEPARTMENTS  

Publisher's Perspective
Technology Tradeoffs
by Thomas P. Johnson Jr. — The ultimate criterion for prioritizing technology investments is what benefits customers most.

Technology & Information
Getting Personal
by Chet Dembeck — Privacy and expense issues hinder banks from adopting product-customization technology. Can breakthroughs be found?

Trends & Statistics
4Q01 Performance Review
— How did the top 50 banks perform in 2001's fourth quarter? Our comprehensive statistical report is based on data from SNL Financial LC, Charlottesville, Va.

Closing Thoughts
Champions for Change

by Steve Klinkerman — Ultimately, breakthrough organizational changes must be fostered — not forced.

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