Primary Relationships or Bust

Banker shaking hands with customer across desk

By Ryan Harbry Customer loyalty is essential in every industry under the sun. In banking, it matters even more than most industries because not only do unloyal customers represent a missed opportunity for revenue; they have the potential to cost more than they are bringing in — creating a drag on earnings. And, if we’re…

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Tales of Decommoditization

money and padlock

By Ryan Harbry Commoditization has been around for about as long as the banking industry itself — there’s no avoiding it.  Whenever a good or service comes along and is successful (proving its proof of concept), other companies throw their hat in the ring, join the market, and compete. In legacy industries like banking, so…

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Quality vs. Quantity vs. Retail Banking

Banker and customer

By Ryan Harbry The tension between quality versus quantity is age-old, affecting industries of all kinds, especially banking.  Community banks and credit unions are intimately familiar with weighing quality versus quantity. Financial institutions have quite the split personality in this arena if we’re honest with ourselves.  When it comes to lending practices, no stone will…

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