The next time you walk into one of your branches, ask yourselfthis: “What do all of these people want?”

It's a valid question, considering that more and moretransactions are being done outside of the branch every day.McKinsey & Company estimates that in five years more than 95percent of banking transactions will take place through digital ordirect channels. As alternative channels account for moretransactions, what exactly brings members into the branch?

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