Bancology Article Index
View an index of Bancology articles grouped by category and subject. Choose from the category listings below and select an article title to view the full article.
Branching & ATMs Marketing Research Products, Sales & Marketing
Branching & ATMs
Branching Strategy
- Hub and Hub: The Next Model of Branch Distribution? Volume 81, Fall 2023
- Recent Branch Closures Not Disproportionately Impacting Rural Lower-Income Communities Volume 80, Summer 2023
- Oases of Growth: Finding Opportunity in Slow-Growth States Volume 80, Summer 2023
- Understanding Demographic Segments with Bancography Plan Volume 80, Summer 2023
- Using Demographics to Inform Branching Decisions Volume 79, Spring 2023
- What Banking School Can Teach Us… About Branches Volume 77, Summer 2022
- Fun Facts, Observations and Predictions Volume 75, July 2021
- The Essence of Branching Volume 74, March 2021
- The Monoline Challenge Volume 74, March 2021
- Branches Still Still Matter Volume 74, March 2021
- The State of Banking Amidst the Pandemic Volume 73, July 2020
- Finding Deposits: In Withering Markets, Difficulty Looms Volume 72, March 2020
- Banking Deserts: Lack of Convenient Branches Impairs Low-Income Communities Volume 71, December 2019
- Still Waiting: Despite Rise in Electronic Transactions, Leading Banks Maintain Constant Branch Coverage Levels Volume 67, August 2018
- Credit Unions: The New Community Banks Volume 65, February 2018
- Evaluating Mergers as an Alternative to De Novo Branching Volume 64, October 2017
- The Network Effect: Persists Even in the Age of Electronic Banking Volume 62, April 2017
- Case Study: Branch Network Optimization Volume 61, January 2017
- Revisiting the Rural Branching Conundrum Volume 59, July 2016
- The Problem Child: What To Do About That Troubled Branch Volume 56, October 2015
- Branch Network Optimization: a Holistic View of the Branch Network Volume 54, April 2015
- Same As It Ever Was: Major Market Branch Coverage Remains Unchanged, Even After Recent Wave of Closures Volume 50, April 2014
- The Myth of Branch Decline Volume 49, January 2014
- Loan Production Offices: An Alternate Approach to Market Entry Volume 48, October 2013
- Does the CRA Service Test Harm Community Development Banks? Volume 47, July 2013
- Capitalizing on the Economic Recovery Volume 42, April 2012
- Network Effect Remains Strong as Ever: Implications for Branching Strategy Volume 34, March 2010
- Diversification: Free Lunch and the Benefit of Small Branches Volume 27, June 2008
- The Prisoner’s Dilemma: A Model for More Intelligent Branching Decisions Volume 25, December 2007
- Opportunity in Flat Growth Markets: When Customers Relocate Volume 22, March 2007
- Meeting the Challenge from Internet Banks Volume 22, March 2007
- Case Study: The Rural Branching Conundrum Volume 18, March 2006
- Banks and Credit Unions: Enough Room for Everyone Volume 17, December 2005
- Major Trends in Branch Delivery Volume 15, June 2005
- Case Study: Branch Clustering – An Alternate Way to Manage Branches Volume 15, June 2005
- Branch Site Identification: A Multiple Submarket Approach Volume 14, March 2005
- The Branching Imperative: Implications for Profitability Volume 13, December 2004
- The Network Effect: The Benefits of Branching Volume 11, May 2004
- Defining Branch Trade Areas Volume 9, November 2003
- BranchPlanner software Volume 1, October 2001
- Case Study: Branch Network Optimization, top 50 US bank Volume 1, October 2001
Branch Expansion, Consolidation and Closure
- Large Banks Increasing Distance Between Branches, Using Electronic Channels to Fill the Gaps Volume 79, Spring 2023
- Recent Branch Closures Not Disproportionately Impacting Lower-Income Communities Volume 79, Spring 2023
- Branching Initiatives Surge in Contrast to Recent Trends Volume 70, August 2019
- The Financial Crisis: Ten Years After Volume 66, May 2018
- The Impact of Branch Closures in Lower-Income Communities Volume 66, May 2018
- Keeping Score: How to Compare the Benefits of Potential Branch Projects Volume 52, October 2014
- How to Evaluate Potential Branch Sites Volume 51, July 2014
- Smaller Branch Models Taking Hold as Traditional Branch Costs Remain Near $2M Volume 47, July 2013
- Are Branch Networks Really Shrinking? Volume 46, April 2013
- Buying Failed Banks: Still Many Opportunities, But Increasing Costs Volume 35, June 2010
- Slowing Economy Presents Opportunity for Branch Expansion Volume 26, March 2008
- How to Evaluate Branch Consolidation Decisions Volume 25, December 2007
- New Branch Deposit Growth Benchmarks: How Do Your Branches Measure Up? Volume 23, June 2007
- Oops! Things to Remember When Negotiating for Your Next Branch Site Volume 23, June 2007
- How to Prepare for a Branch Closing Volume 19, June 2006
- Branch Expansion: Regional Trends Volume 18, March 2006
- How to Launch a New Branch Volume 17, December 2005
- How to Choose the Right Location for a New Branch: Dos and Don’ts Volume 11, May 2004
- Branch Closing Decisions Volume 5, November 2002
- New Release: Web Site Benchmark Study, 2001 Edition Volume 1, October 2001
Demographic Trends and Deposit Statistics
- Peak Deposits, Frying Pans, and What Happens Next Volume 81, Fall 2023
- Using Bancography Plan to Understand the Competitive Environment Volume 81, Fall 2023
- Fastest-Growing U.S. Markets Volume 79, Spring 2023
- Findings from the 2022 FDIC/NCUA Deposit Statistics: Deposit Growth Normalizes Volume 78, Winter 2022
- Once-in-a-Lifetime Deposit Growth, a Second Time: Findings from the 2021 FDIC/NCUA Deposit Statistics Volume 76, December 2021
- Absorbing the Excess Liquidity: The Culprits of Weak Loan Demand Volume 76, December 2021
- Initial Findings from the 2019 FDIC and NCUA Branch Deposit Statistics Volume 71, December 2019
- Outlook 2019: Deposit and Demographic Trends Volume 69, April 2019
- Findings from the 2017 FDIC / NCUA Deposit Statistics Volume 65, February 2018
- 2017 Demographic Update Volume 64, October 2017
- The Disappearance of Home Equity Loans Volume 63, July 2017
- Here We Grow Again Volume 59, July 2016
- The Relationship between Employment Levels and Deposit Growth Volume 58, April 2016
- Findings from the 2015 FDIC / NCUA Deposit Statistics Volume 57, January 2016
- The Return of Household Growth and Other Demographic Trends Volume 56, October 2015
- Pruning the Obvious, Impact of Economic Recovery and Other Findings from the 2014 FDIC/NCUA Deposit Statistics Volume 53, January 2015
- 2014 Demographic Update Volume 52, October 2014
- Findings from the 2013 Survey of Consumer Finances Volume 52, October 2014
- Findings from the 2013 FDIC Deposit Statistics Volume 49, January 2014
- America 2013: Demographic Trends and Their Impact on Financial Demand Volume 48, October 2013
- 2012 FDIC/NCUA Deposit Statistics Volume 45, January 2013
- Findings from the 2010 Survey of Consumer Finances Volume 43, July 2012
- Findings From the 2011 FDIC/NCUA Deposit Statistics Volume 41, January 2012
- Findings from the 2010 Census and 2011 Demographic Update Volume 40, September 2011
- Demographic and Competitive Trends for 2011 Volume 38, March 2011
- Findings from 2010 Branch Deposit Statistics Volume 37, December 2010
- America 2010: The Latest Demographic Trends Volume 36, September 2010
- Findings from the 2009 FDIC Branch Deposit Statistics Volume 33, December 2009
- Demographic Trends, 2009 Update Volume 32, September 2009
- Findings from the 2008 FDIC Branch Statistics Volume 29, December 2008
- Findings From the 2007 FDIC Deposit Statistics Volume 25, December 2007
- The Latest Demographics: Facts and Findings Volume 24, September 2007
- Findings from the 2006 FDIC Deposit Statistics Volume 21, December 2006
- Findings from the Survey of Consumer Finances Volume 20, September 2006
- Deposit and Branch Trends: Findings from the Latest FDIC/NCUA Statistics Volume 17, December 2005
- Demographics Update: The Evolving American Landscape Volume 16, September 2005
- Branch Concentration: Some Markets Increasing; Many Unchanged Volume 14, March 2005
- How to Interpret FDIC Deposit Statistics Volume 13, December 2004
- Inside the Wallet of the American Household Volume 12, August 2004
- How to Analyze Branch Demographics Volume 12, August 2004
- How to Get the Most Out of the FDIC and Federal Reserve Board Web Sites Volume 10, February 2004
- Quick Facts: The Demand for Mortgage Loans Volume 8, August 2003
- Findings from the Survey of Consumer Finances Volume 7, May 2003
Branch Design, Configuration and Staffing
- 2022 New Branch Survey Findings: Size, Cost and Configuration Volume 78, Winter 2022
- ITMs: A Drive-In Solution for Inline Branches Volume 76, December 2021
- Interactive Teller Machines: Adaptation, Use and Challenges Volume 72, March 2020
- New Branch Survey Finds Branch Square Footage and Costs Remaining Stable Volume 70, August 2019
- 2018 Staffing Benchmark Study Results Volume 68, December 2018
- A Road Map for Branch Design Volume 68, December 2018
- Designing a Hub-and-Spoke Distribution Model Volume 63, July 2017
- New Branch Survey Finds Branch Costs Increasing, Size Decreasing Volume 60, October 2016
- The Evolution of the Universal Banker Role Volume 59, July 2016
- A Road Map for Realignment: Evaluating and Prioritizing Branch Reconfiguration Projects Volume 58, April 2016
- Mobile Banking and Mobile Bankers: Where Does the Value Lie? Volume 55, July 2015
- Branch Productivity Benchmarks Volume 54, April 2015
- Less is Less: Designing Effective Small Branches Volume 53, January 2015
- The Benefits and Perils of Video Remote Tellers Volume 51, July 2014
- Free the Tellers! Branch Design and Universal Agents Volume 48, October 2013
- Space Available! The Square Footage Surplus Volume 46, April 2013
- Grading Emerging Banking Technologies: Where to Invest in 2013 Volume 45, January 2013
- Branch Service Models: A Portfolio Approach Volume 44, October 2012
- Branch Service Models: A Comparison of Operating Costs Volume 43, July 2012
- Bancography Case Study: Retail Staffing Review Volume 41, January 2012
- Ending the Milk Metaphor: Branch Design, Impulse Buys and Free Checking Volume 41, January 2012
- Is It Time to Update Your Branch Staffing Philosophy? Volume 38, March 2011
- Branch Staffing: A Life Cycle Approach Volume 35, June 2010
- In-store Branch Metrics: A Comparative View Volume 33, December 2009
- How to Select Branch Hours of Operation Volume 32, September 2009
- The Universal Banker: Getting the Most From a New Staff Role Volume 31, June 2009
- Low Cost Branch Formats: The Inline Alternative Volume 30, March 2009
- How to Develop a Retail Staffing Model Volume 26, March 2008
- Trends in Retail Branch Design Volume 19, June 2006
- Average Branch Costs Now Exceed 2M Volume 18, March 2006
- In-store Rollouts Support Varied Objectives; Yield Varied Results Volume 10, February 2004
- New Branch Survey Finds Costs Approaching $2 Million Volume 8, August 2003
Branch Profitability
- Who Owns This Account: Branch Accounting in a Multi-Channel World Volume 67, August 2018
- Branch Profitability: Deconstructing the Branch Income Statement Volume 39, June 2011
- Branch Profitability: How to Calculate Margin Using Spreads Volume 22, March 2007
- How to Measure Branch Profitability Volume 5, November 2002
ATMs
- ATMs: From Simple Cash Dispenser to True Self-Service Channel Volume 54, April 2015
- How to Identify New ATM Opportunities Volume 42, April 2012
- Building an ATM Deployment Strategy Volume 39, June 2011
- Using the ATM Network to Improve Retention Volume 14, March 2005
- How to Measure ATM Profitability Volume 9, November 2003
Marketing Research
- Customer Experience Email Response Rates by Age Volume 81, Fall 2023
- Digital Channel Boom Volume 80, Summer 2023
- The Total Customer Experience Volume 71, December 2019
- The Impact of Problem Occurrence on Loyalty Volume 70, August 2019
- Attrition Case Study Volume 69, April 2019
- Brand Evaluator: Trends in Client Loyalty Volume 68, December 2018
- The Importance of Servicing Remote Channels Volume 67, August 2018
- New Account Customer Experience: Reason for Choosing the Institution Volume 66, May 2018
- Loyalty Decreases for Banks and Credit Unions Volume 65, February 2018
- Business Customers More Loyal, Yet Less Forgiving Volume 63, July 2017
- New Account Customer Experience: Reason for Choosing the Institution Volume 62, April 2017
- Squandering the New Account Opening Experience Volume 59, July 2016
- Customer-Service Problems Diminish Brand Loyalty Volume 57, January 2016
- Marketing Research Brief: Channel Migration Raises Service Challenges Volume 56, October 2015
- Surveys Reveal Divergent Trends in Bank and Credit Union Customer Relationships Volume 53, January 2015
- Online Bill Pay Drives Customer Loyalty Volume 50, April 2014
- Quick Tip: Keeping in Contact with Your Customers Volume 50, April 2014
- Retention: Why It’s Important; How to Measure It Volume 49, January 2014
- The 2012 Presidential Election: Lessons for Marketing Research Volume 45, January 2013
- Alternative Channels: Increased Usage Volume 44, October 2012
- Alternative Channel Usage and Satisfaction Volume 43, July 2012
- Brand’s Impact on Customers Volume 42, April 2012
- Onboarding’s Effect on Service Quality and Loyalty Volume 40, September 2011
- Economic Crisis Affects Service Quality Volume 30, March 2009
- Dissecting Perceived Problems or Errors Volume 29, December 2008
- Increased Share of Wallet Promotes Loyalty Volume 26, March 2008
- Myth: Resolving Problems Builds Loyalty Volume 24, September 2007
- How to Choose the Proper Data Collection Vehicle Volume 21, December 2006
- How to Conduct an Onboarding Study Volume 20, September 2006
- Poor Service Quality Fuels Attrition Rate Volume 16, September 2005
- How to Implement a Successful Research Project Volume 14, March 2005
- Research Finding: Adding ATMs improves Retention Volume 13, December 2004
- The Relationship Between Problem Occurrence and Customer Satisfaction, Part 2 of 2 Volume 12, August 2004
- The Relationship Between Problem Occurrence and Customer Satisfaction, Part 1 of 2 Volume 11, May 2004
- Case Study: Measuring Service and Satisfaction Across International Borders Volume 10, February 2004
- Marketing Research Case Study: Correlation Between Satisfaction and Loyalty Volume 9, November 2003
- Getting Started In Marketing Research: Measuring Satisfaction, Service Quality, and Awareness Volume 8, August 2003
- Case Study: The Causes of Attrition Volume 6, February 2003
- Credit Unions Taking Bank Market Share without the Associated Bank Attrition Volume 2, February 2002
- Case Study: Commercial Banking Service Channel Migration Volume 1, October 2001
Products, Sales & Marketing
- What’s Old is (Finally) New Again: A New Product Focus for 2023 Volume 78, Winter 2022
- The New Overdraft Policies: Toward a More Consumer-Friendly Environment Volume 77, Summer 2022
- Tactics for the Rising-Rate Environment Volume 77, Summer 2022
- How Financial Institutions Can Mitigate Wealth Inequality Volume 64, October 2017
- The Link Between Cross-sell and Lifetime Revenue Volume 62, April 2017
- Facing the Long Arriving, Finally Imminent, Inevitable Rate Rise Volume 60, October 2016
- The Business Banking Market Volume 58, April 2016
- The Branch Incentive System: Six Principles for an Effective Branch Scorecard Volume 57, January 2016
- Targeting the Wealth Market: Securities Demand Across the U.S. Volume 55, July 2015
- Understanding Household Profitability Volume 55, July 2015
- How to Set Equitable, Market Driven Branch Sales Goals Volume 47, July 2013
- Consumer Finances Improving: Evidence from the Mortgage Market Volume 46, April 2013
- From Transaction to Interaction: A New Mission for Sales Management Volume 40, September 2011
- How to Design a Checking Portfolio, Without Free Checking Volume 37, December 2010
- How to Build a Successful Direct Mail Campaign Volume 36, September 2010
- How To Approach the Business Banking Market Volume 34, March 2010
- How to Protect Customer Relationships During the Economic Crisis: Communications Strategy Volume 30, March 2009
- How to Survive the Slowdown Volume 28, September 2008
- How to Create a Branch Network Scorecard Volume 27, June 2008
- Cash Advance Stores: Competing for the Low Income Borrower Volume 23, June 2007
- What to Score on a Branch Scorecard Volume 21, December 2006
- How to Install a Successful Sales Training Program Volume 18, March 2006
- The Seasons of Banking Volume 17, December 2005
- How to Set Realistic Wallet Share Goals Volume 15, June 2005
- How to Calculate Wallet Share Volume 7, May 2003
- How to Design Effective Management Reports Volume 6, February 2003
- Case Study: Event-Driven Cross-Sell Program Volume 5, November 2002
- Getting the Most Out of Your MCIF Volume 5, November 2002
- Case Study: Next Most Likely Product Modeling Volume 4, August 2002
- How to Calculate Market Share Volume 4, August 2002
- Market Segmentation: What it is, How to Get Started, What it Can Teach You Volume 3, May 2002
- Case Study: Scorecards and Sales Goals Volume 2, February 2002
- Performance Measurement: How to Calculate Cross-Sell, Retention, Churn Volume 2, February 2002