The buying process has changed, and the sales function must follow.

In recent years, banks have been focused on driving costs out of the branch network with self-service technology, branch closures and staff reductions.

As consumer digital migration drains ever more branch traffic, banks have been working through a delicate transition with branch staffing.

Meet Brittany.

We all love lists, particularly those New Year’s resolutions for improving our businesses and ourselves.

It’s common knowledge that it’s easier and cheaper to sell to existing customers than to attract new ones.

Bankers need help selling to demanding, savvy customers in all channels.

Stretching back to the 1980s, a key worry with branch consolidation has been customer attrition, or the risk that accountholders will take their business elsewhere if their anchor local branch is closed or merged with another location.

Many banks are now in the midst of their budget and planning seasons, aimed at improving efficiency and performance in 2016.

For 15 years or more, marketers in retail banking have heard that delivering “the right product to the right customer at the right time” will yield the maximum conversion rate, product penetration and benefits of loyalty and net promoter score that come with a strong multi-product relationship.