Strategic Commentaries
As a benefit to our clients and friends, S&A provides our Strategic Commentary, a monthly publication that addresses strategic and management issues facing financial services executives. S&A's knowledge of the financial services industry is based on the experience of our consultants and the firm's continuous monitoring of trends and developments in the financial services industry – our only focus.
Recent Commentaries
Evolution of Programs for the Unbanked in Latin America: Microlending at the ForefrontOct 17, 2009
Despite considerable progress to expand the reach of financial services to the unbanked segment, a…
The Great Consumer Lending Stall: Restarting the EngineSep 26, 2009
Although consumers, the press and society at large have been critical of banks for pushing too much…
The Promise of CRM: Separating Myth from RealityAug 16, 2009
Many studies have shown over the years that CRM-related projects have not always delivered desired…
Wealth Management: Latin America on the RadarJul 05, 2009
The affluent market has long been the focus of many financial institutions, handled either in a specialized…
Featured Commentary
Branch Transformation and Rebirth: Strategies to Serve Customers and Improve Earnings
Feb 20, 2010During this economic downturn, one thing has become clear: there is still a major role for the bank branch to play in virtually every financial institution’s delivery channel strategy, now and into the foreseeable future. But, it is equally obvious that this channel strategy must be relevant to customer needs and at the same time increase revenues, while lowering expenses. As with all delivery channels, there is no “cookie cutter” approach to fit every bank or even every branch within the network.
In this Strategic Commentary titled, “Branch Transformation and Rebirth: Strategies to Serve Customers and Improve Earnings,” Speer & Associates, Inc. (S&A) takes a look at branch strategies of the recent past and then explores more contemporary approaches being undertaken to provide world-class customer service while simultaneously improving overall earnings.