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May/June 2002
Volume LXXVIII Number III
Published by BAI

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CONTENTS
 

From Clicks to Bricks?
by John R. Engen To win top-tier customers, E*Trade Group may have to increase its physical network — at the risk of diluting its cost advantage.

Rhetoric or Reality?
by Bill Stoneman Banks talk about upgrading the status and capabilities of their branch managers, but actual improvement appears limited.

Smart and Personal
by Lauri Giesen Smart cards may have a better chance of mass acceptance in the U.S. now that issuers are combining multiple applications with personalization.

Watch List
by Kenneth Cline While banks generally seem better prepared to handle this credit downturn than the last one, credit professionals are taking a cautious stance.

Sales in Distress
by Robert Stowe England In the wake of a regulatory crackdown, banks face a harder task shifting risk off their balance sheets, at least temporarily.


DEPARTMENTS  

Publisher's Perspective
Refocusing the Franchise
by Thomas P. Johnson Jr. — "All things to all people" is losing its luster, but care must be taken in mapping the alternatives.

Retail Banking
Out of the Loop?
by Bill Stoneman — As more consumers pay their bills directly on biller Web sites, banks may find their control of this online business slipping away.

Trends & Statistics
1Q02 Performance Review — How did the top 50 banks perform in 2002's first quarter? Our comprehensive statistical report is based on data from SNL Financial LC, Charlottesville, Va.

Closing Thoughts
Start Where You Stand

by Steve Klinkerman — Rescuing customer relationship management begins with a strong dose of reality.

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