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The idea that branch banking could suffer the same fate as music stores and bookstores is typically greeted with a variety of reactions from disdain to panic to outright denial. There’s a grassroots belief among many of the incumbents that branches are still at the “core” of banking, but if we can see the same trends occurring in branching as we’ve seen in other industries, then we must be able to draw the same conclusions about the eventual and likely impact to the industry from a distribution perspective.

The Death of the Branch

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