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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“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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In the UK the back office is usually in the northern cities where salaries are cheaper than London.
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Washington Mutual had back office operations distributed across branches. They also went bankrupt.
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