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29
Jul
By Peter Klukowski Business Consulting, FMSI blog No Comments

How Prepared Branch Staff Drive 3x More Cross-Sell

Prepared branch staff don't need to sell harder. They need the capacity to sell at all. Here's how demand-based scheduling, smarter appointments, and the right lobby routing turn freed-up staff time into the conversations that drive cross-sell - plus the four moves that make it repeatable.
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21
Jul
By Peter Klukowski Business Consulting, FMSI blog No Comments

The Future of Bank Branches

For twenty years, the story about the future of bank branches has been a countdown to zero. Digital would win, foot traffic would vanish, and the branch would follow the video store into history. Half of that story is true. The other half is where community banks and credit unions are about to win.
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10
Jun
By iwdadmin Business Consulting No Comments

The Branch Is a Profit Center. Most Banks Still Run It Like a Cost.

Ask most boards how they see the branch network and the answer comes back in the language of overhead. Square footage, lease terms, headcount, utilities. The reflex that follows is predictable: when margins tighten, close locations. It is a tidy way to manage a line item. I
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20
Mar
By iwdadmin Business Consulting No Comments

Branch Closures, Fair Access, and Regulatory Risk: Why Data-Driven Branch Strategy Matters

Branch strategy is no longer just an operational conversation. It is a regulatory and reputational one. When banks adjust hours, consolidate locations, or close branches, they trigger scrutiny from regulators, community groups, local leaders, and customers
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