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	<title>Retail Banking Strategies</title>
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	<link>http://ppcgroup.com/blog</link>
	<description>Strategies for Retail Banking Success from Peak Performance Consulting Group</description>
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		<title>I Don&#8217;t Get It</title>
		<link>http://ppcgroup.com/blog/atm-and-ecommerce/i-dont-get-it/</link>
		<comments>http://ppcgroup.com/blog/atm-and-ecommerce/i-dont-get-it/#comments</comments>
		<pubDate>Sun, 20 Mar 2011 22:35:31 +0000</pubDate>
		<dc:creator>dkerstein</dc:creator>
				<category><![CDATA[ATM and eCommerce]]></category>
		<category><![CDATA[Branch Distribution]]></category>
		<category><![CDATA[Deposit Products]]></category>

		<guid isPermaLink="false">http://ppcgroup.com/blog2/?p=7</guid>
		<description><![CDATA[Not too long ago, banks were asking whether they really should invest in Internet banking. Now many are raising the same questions about consumer remote deposit. As my daughter would say, &#8220;I don&#8217;t get it!&#8221; Our youngest daughter grew up in Vietnam and joined our family when she was 8 years old. She learned English [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Innovate or Die!</title>
		<link>http://ppcgroup.com/blog/deposit-products/innovate-or-die/</link>
		<comments>http://ppcgroup.com/blog/deposit-products/innovate-or-die/#comments</comments>
		<pubDate>Sun, 13 Mar 2011 22:37:21 +0000</pubDate>
		<dc:creator>dkerstein</dc:creator>
				<category><![CDATA[Deposit Products]]></category>
		<category><![CDATA[Service Delivery]]></category>
		<category><![CDATA[Strategy]]></category>

		<guid isPermaLink="false">http://ppcgroup.com/blog2/?p=9</guid>
		<description><![CDATA[It seems that everyone under 30, and most people under 40, know that this is South By Southwest week in Austin. Or SXSW, or simply &#8220;South By&#8221; for those in the know. 15,000 people from all over the world pay from $700 to $1,300 to attend the various &#8220;tracks&#8221; of the festival. For us who [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>In-Store Banking Trends</title>
		<link>http://ppcgroup.com/blog/branch-distribution/in-store-banking-trends/</link>
		<comments>http://ppcgroup.com/blog/branch-distribution/in-store-banking-trends/#comments</comments>
		<pubDate>Tue, 01 Mar 2011 22:39:40 +0000</pubDate>
		<dc:creator>dkerstein</dc:creator>
				<category><![CDATA[Branch Distribution]]></category>

		<guid isPermaLink="false">http://ppcgroup.com/blog2/?p=12</guid>
		<description><![CDATA[Every year SNL financial publishes a survey of in-store banking trends, and they are kind enough to seek our opinion &#8212; and give us credit for a few quotes! At most banks, in-store (supermarket) banking has not fulfilled its&#8217; promise of &#8220;one-third the income with one-fifth the expense&#8221;. But there is a way to crack [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Growing Revenue: Bank Success Stories</title>
		<link>http://ppcgroup.com/blog/atm-and-ecommerce/growing-revenue-bank-success-stories/</link>
		<comments>http://ppcgroup.com/blog/atm-and-ecommerce/growing-revenue-bank-success-stories/#comments</comments>
		<pubDate>Wed, 23 Feb 2011 22:42:25 +0000</pubDate>
		<dc:creator>dkerstein</dc:creator>
				<category><![CDATA[ATM and eCommerce]]></category>
		<category><![CDATA[Branch Distribution]]></category>
		<category><![CDATA[Deposit Products]]></category>
		<category><![CDATA[Strategy]]></category>

		<guid isPermaLink="false">http://ppcgroup.com/blog2/?p=14</guid>
		<description><![CDATA[Everyone is worried about DDA and payment revenue, but some banks have a clear roadmap for success. If your inbox looks like mine, every day I get a new round of confusing emails: &#8220;Free checking is dead, really dead&#8221; &#8220;Free checking is still very viable &#8211; at least for community banks&#8221; &#8220;Debit rewards? Not sustainable [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Wake Up Call for Community Banks</title>
		<link>http://ppcgroup.com/blog/strategy/wake-up-call-for-community-banks/</link>
		<comments>http://ppcgroup.com/blog/strategy/wake-up-call-for-community-banks/#comments</comments>
		<pubDate>Tue, 01 Feb 2011 22:43:55 +0000</pubDate>
		<dc:creator>dkerstein</dc:creator>
				<category><![CDATA[Strategy]]></category>

		<guid isPermaLink="false">http://ppcgroup.com/blog2/?p=16</guid>
		<description><![CDATA[I was struck by a recent quote from the Chief Credit Officer of $210 million Pleasanton, CA-based Valley Community Bank: &#8220;The general consensus for a community bank now is you have to be over $1 billion in total assets going forward. That&#8217;s going to be the minimum you need to survive because of the amount [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
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		<title>What Comerica&#8217;s Acquisition of Sterling Means for Texas Banks</title>
		<link>http://ppcgroup.com/blog/branch-distribution/what-comericas-acquisition-of-sterling-means-for-texas-banks/</link>
		<comments>http://ppcgroup.com/blog/branch-distribution/what-comericas-acquisition-of-sterling-means-for-texas-banks/#comments</comments>
		<pubDate>Tue, 18 Jan 2011 23:22:36 +0000</pubDate>
		<dc:creator>dkerstein</dc:creator>
				<category><![CDATA[Branch Distribution]]></category>
		<category><![CDATA[Business Banking]]></category>
		<category><![CDATA[Deposit Products]]></category>
		<category><![CDATA[Lending]]></category>
		<category><![CDATA[Strategic Planning]]></category>
		<category><![CDATA[Strategy]]></category>

		<guid isPermaLink="false">http://ppcgroup.com/blog2/?p=18</guid>
		<description><![CDATA[I&#8217;ll leave it to the stock analysts to ponder whether Comerica paid too much (the deal is not accretive to earnings until 2013), but from a strategic perspective it is a good move: It leverages Comerica&#8217;s strengths. Sterling is primarily a business bank. That&#8217;s Comerica&#8217;s sweet spot, and it permits them to leverage their strong [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
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		<title>Why Commercial Banks Need a Retail Strategy</title>
		<link>http://ppcgroup.com/blog/branch-distribution/why-commercial-banks-need-a-retail-strategy/</link>
		<comments>http://ppcgroup.com/blog/branch-distribution/why-commercial-banks-need-a-retail-strategy/#comments</comments>
		<pubDate>Mon, 10 Jan 2011 23:25:13 +0000</pubDate>
		<dc:creator>dkerstein</dc:creator>
				<category><![CDATA[Branch Distribution]]></category>
		<category><![CDATA[Strategy]]></category>

		<guid isPermaLink="false">http://ppcgroup.com/blog2/?p=20</guid>
		<description><![CDATA[&#8220;We&#8217;re primarily a Commercial Bank that also does some Retail. Why do we need a retail strategy?&#8221; Here&#8217;s why: It&#8217;s a big revenue opportunity. Think of it as The Law-of-Large Numbers &#8211; you may be primarily focused on commercial accounts but 80% of your customers are Retail. If you have only 10,000 customers but can [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Top 10 Blog Postings at BAI Community</title>
		<link>http://ppcgroup.com/blog/uncategorized/top-10-blog-postings-at-bai-community/</link>
		<comments>http://ppcgroup.com/blog/uncategorized/top-10-blog-postings-at-bai-community/#comments</comments>
		<pubDate>Fri, 07 Jan 2011 18:00:32 +0000</pubDate>
		<dc:creator>dkerstein</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://ppcgroup.com/blog2/?p=23</guid>
		<description><![CDATA[It&#8217;s always great to get positive feedback &#8211; the BAI Community just released their list of the top 10 blogs or discussion threads of the past quarter, as ranked by reader page views. We were gratified to have 4 of the top 10 &#8220;most read&#8221; articles. Here&#8217;s the list: 4. What&#8217;s In-Store for In-Store Banking? [...]]]></description>
		<wfw:commentRss>http://ppcgroup.com/blog/uncategorized/top-10-blog-postings-at-bai-community/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Knock, Knock: Attract More Customers by Advertising Less</title>
		<link>http://ppcgroup.com/blog/marketing-and-product-management/knock-knock-attract-more-customers-by-advertising-less/</link>
		<comments>http://ppcgroup.com/blog/marketing-and-product-management/knock-knock-attract-more-customers-by-advertising-less/#comments</comments>
		<pubDate>Tue, 28 Dec 2010 18:45:36 +0000</pubDate>
		<dc:creator>dkerstein</dc:creator>
				<category><![CDATA[Marketing and Product Management]]></category>
		<category><![CDATA[Strategy]]></category>

		<guid isPermaLink="false">http://ppcgroup.com/blog2/?p=25</guid>
		<description><![CDATA[Grass roots, neighborhood marketing can be more effective than mass media in attracting customers. Why don&#8217;t more banks adopt it? Here&#8217;s a reality check: it&#8217;s hard and expensive to persuade prospective customers to switch banks. So what&#8217;s the best way to allocate scarce marketing resources to create the greatest impact and ROI? It might sound [...]]]></description>
		<wfw:commentRss>http://ppcgroup.com/blog/marketing-and-product-management/knock-knock-attract-more-customers-by-advertising-less/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Who Are You? Your Customers Really Want to Know!</title>
		<link>http://ppcgroup.com/blog/marketing-and-product-management/who-are-you-your-customers-really-want-to-know/</link>
		<comments>http://ppcgroup.com/blog/marketing-and-product-management/who-are-you-your-customers-really-want-to-know/#comments</comments>
		<pubDate>Mon, 20 Dec 2010 00:16:28 +0000</pubDate>
		<dc:creator>dkerstein</dc:creator>
				<category><![CDATA[Marketing and Product Management]]></category>
		<category><![CDATA[Strategy]]></category>

		<guid isPermaLink="false">http://ppcgroup.com/blog2/?p=27</guid>
		<description><![CDATA[The TV series CSI features a theme song by Pete Townshend of the Who, with the line: &#8220;Who are you, I really want to know.&#8221; And that&#8217;s the question I ask every new client: Who are you? What&#8217;s different about you compared to other banks in your market, like the one right across the street? [...]]]></description>
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		<slash:comments>0</slash:comments>
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