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When deciding whether to impose service fees, banks need to consider consumer preferences as well as the competitive landscape.
While forward implied yields may not predict the general direction of future interest rates, they do help a financial institution decide how to ‘bet’ on those future rates.
Consumers fled most types of CDs in the wake of the financial crisis and are unlikely to favor them again until the economy returns to a more ‘normal’ state.
Customer profitability analytics are useful for bankers, but misfires can occur when relationship profitability is confused with relationship pricing.
Institutions that are not practicing regional pricing are very likely mispricing their deposits, even in a low-rate environment.
Alex Matjanec, co-founder of MyBankTracker.com, sees new bank fees as inevitable in 2012, imposing a burden on consumers to search for value in their banking relationships.