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As the value of regulated local franchises erodes, community bankers need to revive the entrepreneurial approach that characterized their industry before the 1930s.
Established banks with large branch networks should worry about technological upstarts grabbing their high-margin businesses.
Serving the underbanked appropriately requires high quality products that are scalable and sustainable.
Achieving success in small business banking requires combining retail and commercial capabilities into a package that effectively serves the needs of these customers.
Serving the underbanked segment profitably requires a clearer understanding of needs and behaviors in this customer group.
Portfolio rebalancing, client relationship focus and innovation can help offset the decline in traditional retail product profitability and growth.