The whole industry decided it needed some level of diversification. The question is: Has anybody made that work?
Adam Dener
The U.S. Banks are significantly more profitable than the European banks.
banks
It's got to be significant enough and advantaged enough that it would make a meaningful difference.
meaningful difference
The entrenched providers today will have to shut and write off that infrastructure as you have the transition from analog to digital. Current entrants in the market have a disconnect in their cost bases that new entrants don't have.
today write market
Look at Starbucks. If I were [Starbucks CEO] Howard Schultz, I'd be wondering about how to put a bank in my store.
wondering
Retail banking is a distribution game. The models for best practices in distribution are companies like Wal-Mart and the niche retailers.
game niche banking
work question industry made
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