In “product innovations which I wouldn’t have expected but which make lots of sense”; Starbucks has a debit card in the US (through Chase).
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(Interestingly, many Japanese banks still have material back office operations at many of their branches. Large US and, to my understanding, UK banks have almost entirely eliminated this practice; retail back office is located either at HQ or at one of a few concentrated sites.)
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“Back office” refers to the parts of a financial institution which are not customer facing (accounting, recordkeeping, compliance, etc); “front office” is the part which is customer facing (sales and account servicing).
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End of conversation
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I have been reliably informed that when I was told at age ~8 that badonkadonk was a slang word meaning “large” that I may have failed to understand an important bit of context. Mea maxima culpa.
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That explains why both AT&T and Capital One opened coffee shops. I have been too skeptical to walk into one despite wondering how well they executed.
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