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Retail Banking

Silos still rule, making near-real time integration difficult
But branch employees are the valued channel—the rest is bricks
Analyst suggests banks partner with local retailers to set up dedicated payment applications
Don’t spend a dime if staff gives a bad time
Some clarifications, but some areas remain gray
Are sing-able bank jingles kaput?
Recent acquisitions intended to deliver a consistent consumer experience across mobile, online, branch, and ATM channels
PayPal, Amazon now top consumers’ list for trusted digital wallet
Shifting technology, nonbank competition, consumer preferences, regulatory uncertainty all are factors
Friends’ recommendations also important, while online, mobile services lag in decision-making, survey says
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