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Debit Legislation: Rethinking Retail Payments Strategy

August 2010

Recent legislation likely will pummel debit interchange fees. Winning banks will develop new strategies and innovations that will improve customer segment responsiveness.

Renewing Home Equity Lending

July 2010

The new competitive dynamic requires a much more analytical understanding of markets and customers, plus a consultative and personalized interaction with each borrower.

Regional C&I Growth: Focusing to Win

July 2010

In a continuing tight market for middle-market commercial banking, a sharper focus on specific industry sectors will provide an edge for progressive regional banks.

A Cautious Outlook for Household Credit Demand

July 2010

In a languid credit recovery, winning retail banks will need superior skills in targeting, relationship management, risk-adjusted pricing and underwriting.

Gaining the Edge in a Tight Market

July 2010

As lenders fight for growth through market share gains, the competitive emphasis will tilt from pushing products to cultivating fuller customer relationships.

To Solve the Checking Problem, Solve the Household Cash Management Problem

May 2010

To successfully reposition checking and household financial services, banks should look beyond products and fees to solve the customer cash management challenge.

Rebooting the Checking Operating Model

April 2010

Facing a sharply reduced revenue cushion to compensate for losses, banks will need to be much more selective about how they operate critical aspects of the checking business.

The Hidden Life of Frequent Overdrafters

April 2010

Changing laws and regulations notwithstanding, many checking customers will continue to look to banks for help in dealing with account overdraft incidents.

Checking Evolution: Welcome to the Cash Management Account

April 2010

Monthly finances are out of control at many households. In turn, cash management must be the frame of reference in repositioning checking and household financial services.

Asset Allocation: Striking a New Balance between Risk and Reward

April 2010

Progressive bankers are taking a much more comprehensive view of asset diversification, with emphasis on pragmatic insights that can be harnessed to support healthy growth.

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