Branch restructuring

The bank branch has held its own in banks’ multichannel strategies, since customers still see it as the most important sales channel for financial products. However, new flexible branch concepts must understand customers and offer them an environment in which they feel comfortable. Massive cost pressure is forcing banks to find ways of operating their branches productively and efficiently, and to ensure that they keep abreast of the latest developments. This generates demand for optimal IT infrastructures and intelligent integration of bank staff and machines.

Branch restructuring means change! This includes:

• Positive visual development and design: optimization of equipment, path optimization
• New financial products, new sales options: non-bank services within the branch (shop-in-shop)
• Optimization of cash streams.

These activities must focus on further developing the performance profiles for branches and their processes and be geared to the wide range of requirements. New services must be generated to comply with concrete customer needs. In the meantime, branches will increasingly become service centers offering a bank function, and will differentiate themselves with added value for their customers.