Panel discussion hosted by Banking Exchange and Comcast Business

1. BRANCH BANKING REIMAGINED
A P A N E L D I S C U S S I O N

2. PANELISTS
PANELIST
Melisse Grey
EVP Retail Delivery,
Enterprise Retail Banking
Zions Bancorp
PANELIST
Purazar Gowadia
Senior Director
Comcast Business
MODERATOR
Lisa Valentine
Senior Contributing Editor
Banking Exchange

3. 94,725 branches in the U.S.
Source: FDIC Quarterly Vol. 9, No. 1, 2015
The ratio of population to branches has
declined from 9,340 in 1970 to 2,970 in 2014.
Source: 2015 FMSI Teller Line Survey, FMSI Branch Transaction Volumes 0 5000 10000
1970
2014
Ratio of Population to Branches
THERE’S STILL A LOT OF BRICK AND MORTAR

4. THE BRANCH REMAINS IMPORTANT
Usage of different means of accessing banking services, 2011–14
Mobile banking 2
Online banking 1
Telephone banking
ATM
Bank branch
85%
82%
87%
74%
75%
75%
2011
2012
2013
2014
33%
34%
33%
65%
67%
72%
74%
20%
26%
30%
35%
33%
Note: Percentages are of all respondents with a checking, savings, or money market account for each banking channel, regardless of mobile phone ownership or access to the Internet. Questions about usage of bank branches
and ATMs were not included on the 2011 survey.
1. For online banking, respondents who reported that they did not have regular access to the Internet other than that provided by GfK were not asked the online banking question in the 2011–2013 surveys. In the 2014 survey,
all respondents with bank accounts were asked the question about online banking, which raised the measure for 2014 to 74percent —2 percentage points higher than if these respondents had been excluded as in prior years.
2. For mobile banking, the percentages here may differ from the incidence rates elsewhere in this report because the latter are computed for those with mobile phones and bank accounts.

5. Source: Consumers and Mobile Financial Services 2015, Federal Reserve Board
MEANWHILE, ONLINE AND MOBILE BANKING TRANSACTION
VOLUMES INCREASE
0%
5%
10%
15%
20%
25%
30%
35%
40%
2014 2013 2012
Consumers Using Mobile Banking

6. YET THE VISION FOR THE BRANCH OF THE FUTURE
REMAINS UNCLEAR
Source: These Early Days of Branch Channel Transformation, Celent, May 2015
1 in 10: Bankers with
a clear vision for the
branch of the future

8. TELLER PODS AND IPADS
Teller Pods - Amegy Spring Branch
iPad digital bar NBAZ Flagstaff Branch

9. TELLER PODS AND CASH RECYCLERS
National Bank of Arizona branch deemphasizes
teller transactions and facilitates Universal
Banker staffing

11. BRANCH BANKING REIMAGINED
11 Comcast Proprietary & Confidential
Due to intense competition, branch offices are becoming the technology-enabled
hub to improve customer loyalty. It is imperative to equip bank branches with the
tools and network capacity to support the future of retail banking.
Roaming tellers with
tablets providing customer
support in the bank lobby.
BRANCH OFFICE
MODERNIZATION
Next-generation ATMs
offering live video chat
with a remote teller.
High-capacity connectivity
to support large volume
of customer transactions.
Open lobby design concepts
with free WiFi for customers.
Digital signage and
product video streaming.

12. IPAD SALES DEMONSTRATION
Online and mobile banking demonstration
at Nevada State Bank

13. VIDEO TELLER
Contemplating use after-hours
in branch vestibules