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While raising fees can definitely hurt customer retention, quality service, customer needs assessment and convenient delivery systems can help banks mitigate some of the damage.
Five years into the financial crisis, financial institutions must shift from simply recovering to changing their business in transformative ways.
Increasing expense pressures may force financial institutions to make hard choices in their efforts to serve their customers across different delivery channels.
In the wake of recent regulatory changes, community banks and credit unions are going to have to move from fixed to dynamic overdraft limits.
As the value of regulated local franchises erodes, community bankers need to revive the entrepreneurial approach that characterized their industry before the 1930s.
Serving the underbanked appropriately requires high quality products that are scalable and sustainable.