Rolland D. Johannsen

With many banks facing significant competitive and economic headwinds, it is critical that they act to optimize the performance of their retail businesses.

For many banks, retail is in danger of becoming a zombie business.  The challenges are well known, the trends unmistakable:  A decade of historically low interest rates, vanishing fee income and stubborn legacy costs have diminished […]

Over the past few years, much has been written and discussed regarding “Big Data” – how to get it and how to use it. While the concept of “Big Data” is relatively straightforward, the practical application […]

For most banks, their retail franchise is the most valuable part of the company. Ask any M&A professional. Yet, because of the way many banks do business unit accounting, it is often the least profitable, especially […]