People rail against the financial industry for quarter-to-quarter short term decision making but how many companies actually run the numbers about customers over generational timescales. I feel like banks/brokerages/etc receive too little credit for that.
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Same thing with how banks help set up college/high school credit cards and debit cards on campus. Mostly colleges, but I’ve seen it at high schools. Get a debit card and ten years later, you still haven’t switched banks.
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I have now had two separate home equity loans, among other financial products, from an institution that is only my bank because they had a branch across the street from my first internship where I could deposit my paycheck 20 years ago.
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25-30 year olds nowadays will shop for their mortgage online although. Less likely to get it from the local bank branch, reducing the payoff from the strategy.
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Seeing as the many of the arguments around quarter to quarter targets being problematic end with the conclusion of making corporations less transparent I'm not sure they are all in good faith.
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Same thing on the other end, banks closing branches in low profitability areas. Many rail against the social impact, but then opportunities for smaller players.
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What about when they leave a neighborhood?
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