If you were preparing this at home it would be a slog, so you don't do it unless you have people to do it. But preparing it in quantity is *extremely* easy, and if you have people (like a business does), literally anyone can make a day's worth of it in early morning downtime.
Ahh OK in this case "back end" does not mean "back office" or "back end of a software system." It means "back end" of a customer relationship; the economics to the relationship continue and tend to increase over the lifetime of the relationship.
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The fully loaded cost of a retail personal banker is on the order of $60k a year across most of the US, but in a place like Boulder, they're selling to some customers who are not obviously precommitting to spending tens of thousands of dollars but effectively are.
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Cell phone stores have a similar dynamic ($Xk per customer LTV not $X0k I would expect, but I suppose the later is plausible too at the high end). This is why well-off areas end up with so, so many banks, cell phone stores, and Starbucks.
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Those 2 things are not unrelated ;)
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