{"id":6758,"date":"2025-10-20T15:28:38","date_gmt":"2025-10-20T13:28:38","guid":{"rendered":"https:\/\/linistry.com\/?p=6758"},"modified":"2025-11-19T08:22:11","modified_gmt":"2025-11-19T07:22:11","slug":"bank-branches-arent-dead-theyre-evolving-to-improve-customer-service","status":"publish","type":"post","link":"https:\/\/linistry.com\/de\/resources\/bank-branches-arent-dead-theyre-evolving-to-improve-customer-service\/","title":{"rendered":"Bank branches aren\u2019t dead \u2013 they&#8217;re evolving: What customers want and what the future demands"},"content":{"rendered":"<section class=\"l-section wpb_row height_custom\"><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_grid cols_1 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_top type_default stacking_default\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><h3><b><span data-contrast=\"auto\">The branch isn\u2019t disappearing \u2013 it\u2019s being reinvented to improve customer service<\/span><\/b><\/h3>\n<p><span data-contrast=\"auto\">Over the past two decades, the branch network across the European Union has undergone a dramatic transformation. From a peak of approximately 218,000 branches in 2008, that number declined to just over 129,000 by the last years <\/span><a href=\"https:\/\/www.statista.com\/statistics\/940970\/number-of-bank-branches-in-europe\/\" target=\"_blank\" rel=\"noopener\"><span data-contrast=\"auto\">\u00a0\u2013 a reduction of more than 40%.<\/span><\/a><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">This shift, driven by digitalization, cost-cutting, and post-crisis consolidation, has changed not only the footprint of bank branches, <\/span><b><span data-contrast=\"auto\">but also their purpose<\/span><\/b><span data-contrast=\"auto\">. These changes have made different impacts in different states. While countries like Latvia and the Netherlands closed up to 90% of their branches, others such as Ireland saw more modest reductions.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Either way, the branch remains relevant \u2013 not for routine transactions, but for high-value, trust-based interactions. Why? Because <\/span><b><span data-contrast=\"auto\">customers still crave human connection<\/span><\/b><span data-contrast=\"auto\"> \u2013 especially during financial milestones.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<h3><b><span data-contrast=\"auto\">What do customers really expect from a branch today?<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">If most of us carry out our basic banking transactions online, for what reasons do we decide to travel to the branch itself? And what do we expect to find when we get there?<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\u25cf\" data-font=\"Noto Sans Symbols\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Noto Sans Symbols&quot;,&quot;469769242&quot;:&#091;8226&#093;,&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Face-to-face advice for complex needs:<\/span><\/b><span data-contrast=\"auto\"> Buying a home, starting a business, managing retirement, or navigating financial hardships are deeply personal matters. Customers want guidance from a real person, not just an app<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\u25cf\" data-font=\"Noto Sans Symbols\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Noto Sans Symbols&quot;,&quot;469769242&quot;:&#091;8226&#093;,&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Phygital flexibility:<\/span><\/b><span data-contrast=\"auto\"> Customers also want to start a process online and finish it in-person without repeating steps. It\u2019s about embracing \u201cphygital\u201d banking by merging of physical and digital experiences. True omnichannel journeys matter more than ever<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\u25cf\" data-font=\"Noto Sans Symbols\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Noto Sans Symbols&quot;,&quot;469769242&quot;:&#091;8226&#093;,&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Comfortable, confidential spaces:<\/span><\/b><span data-contrast=\"auto\"> Traditional teller lines aren&#8217;t ideal for sensitive financial conversations. Customers need modern, advisory-focused environments<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\u25cf\" data-font=\"Noto Sans Symbols\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Noto Sans Symbols&quot;,&quot;469769242&quot;:&#091;8226&#093;,&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"4\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Empathy and expertise:<\/span><\/b><span data-contrast=\"auto\"> Not order-taking, but meaningful financial conversations with knowledgeable, trained professionals<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">Banking is a relationship of trust. Even as digital channels expand, when it comes to <\/span><b><span data-contrast=\"auto\">major life decisions<\/span><\/b><span data-contrast=\"auto\">, most customers still want to look someone in the eye. The banks investing in transforming branches believe that a brilliant app combined with expert face-to-face support will win long-term loyalty.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<h3><b><span data-contrast=\"auto\">Lessons from the past, present and future<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">Even as early as the 1980s, when banks the first launched phone-based account services, customer demand eventually <\/span><b><span data-contrast=\"auto\">drove the reopening of physical branches<\/span><\/b><span data-contrast=\"auto\">. Citibank\u2019s CitiPhone network was global and cutting-edge \u2013 but ultimately had to be complemented by a branch presence.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Decades later, even with AI, apps, and automation, the lesson remains: <\/span><b><span data-contrast=\"auto\">banking is about trust<\/span><\/b><span data-contrast=\"auto\">. And trust is still best built face-to-face \u2013 especially during moments that matter. Even now, though over 75% of customers say they are open to opening accounts online, only 15% of accounts are opened digitally.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">The lesson: people value physical presence when it matters most.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">The rise of phygital banking: <\/span><\/b><span data-contrast=\"auto\">Today, leading banks are embracing phygital (physical + digital) strategies that combine the convenience of digital with the reassurance of human physical interaction.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\u25cf\" data-font=\"Noto Sans Symbols\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Noto Sans Symbols&quot;,&quot;469769242&quot;:&#091;8226&#093;,&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">A customer begins a mortgage application online \u2192 books a branch meeting via app \u2192 finalizes everything in person.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\u25cf\" data-font=\"Noto Sans Symbols\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Noto Sans Symbols&quot;,&quot;469769242&quot;:&#091;8226&#093;,&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\"><a href=\"https:\/\/linistry.com\/products\/queue-management-system\/\">Queue management<\/a> systems, <a href=\"https:\/\/linistry.com\/products\/appointment-booking-system\/\">appointment booking<\/a>, e-signatures, and mobile integration reduce waiting times and allow customers to avoid repeating steps.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\u25cf\" data-font=\"Noto Sans Symbols\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Noto Sans Symbols&quot;,&quot;469769242&quot;:&#091;8226&#093;,&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Self-service kiosks handle routine transactions so branch staff can focus on complex conversations.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">The result? Seamless, uninterrupted experiences that reflect the way customers bank.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\"><img decoding=\"async\" class=\"aligncenter wp-image-6778 size-large\" src=\"https:\/\/linistry.com\/wp-content\/uploads\/2025\/10\/Linistry_blog_Future_-of_Branches_infographics-820x1024.png\" alt=\"\" width=\"820\" height=\"1024\" srcset=\"https:\/\/linistry.com\/wp-content\/uploads\/2025\/10\/Linistry_blog_Future_-of_Branches_infographics-820x1024.png 820w, https:\/\/linistry.com\/wp-content\/uploads\/2025\/10\/Linistry_blog_Future_-of_Branches_infographics-240x300.png 240w, https:\/\/linistry.com\/wp-content\/uploads\/2025\/10\/Linistry_blog_Future_-of_Branches_infographics.png 865w\" sizes=\"(max-width: 820px) 100vw, 820px\" title=\"\"><br \/>\n<\/span><\/p>\n<h3><b><span data-contrast=\"auto\">Refocusing branch strategy: From transactions to consultations<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">When almost all transactions can be carried out online, without the need for personal contact, there is a necessary shift in the purpose of the branch. Today, branches should be less about fulfilling transactions and more about <\/span><b><span data-contrast=\"auto\">enabling transformation and building trust<\/span><\/b><span data-contrast=\"auto\">.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Floor plans need to be completely reimagined. Today, banks are looking to devote more space to <\/span><b><span data-contrast=\"auto\">advisory, educational, and engagement zones<\/span><\/b><span data-contrast=\"auto\">, where customers can learn about new products and receive financial consultations on important life decisions. With this in mind, many banks have begun replacing teller counters with <\/span><b><span data-contrast=\"auto\">collaborative seating<\/span><\/b><span data-contrast=\"auto\"> that provides opportunity for discussion and education. There is also an increase in <\/span><b><span data-contrast=\"auto\">digital signage, check-in kiosks, and self-service ATMs<\/span><\/b><span data-contrast=\"auto\"> as banks look to harness the power of technology to better serve their customers.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">The human factor is also evolving over time. Today, banks must empower staff to act as <\/span><b><span data-contrast=\"auto\">financial consultants, not product pushers<\/span><\/b><span data-contrast=\"auto\">. More than ever, customers need to encounter people at the branch capable of offering genuine advice and assistance.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Banks that adapt in this way are not just surviving \u2013 they\u2019re thriving.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<h3><b><span data-contrast=\"auto\">Types of branches: The future is specialized<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">The one-size-fits-all model is gone. Instead, banks are designing distinct formats that correspond to their changing needs:<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\u25cf\" data-font=\"Noto Sans Symbols\" data-listid=\"5\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Noto Sans Symbols&quot;,&quot;469769242&quot;:&#091;8226&#093;,&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Flagship branches:<\/span><\/b><span data-contrast=\"auto\"> Full-service centers in urban hubs focused on premium advisory<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\u25cf\" data-font=\"Noto Sans Symbols\" data-listid=\"5\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Noto Sans Symbols&quot;,&quot;469769242&quot;:&#091;8226&#093;,&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Service branches:<\/span><\/b><span data-contrast=\"auto\"> Smaller, part-time locations offering scheduled consultations and extended self-service<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\u25cf\" data-font=\"Noto Sans Symbols\" data-listid=\"5\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Noto Sans Symbols&quot;,&quot;469769242&quot;:&#091;8226&#093;,&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Self-service branches:<\/span><\/b><span data-contrast=\"auto\"> Staff-less, ATM-only points for rural or low-traffic areas<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\u25cf\" data-font=\"Noto Sans Symbols\" data-listid=\"5\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Noto Sans Symbols&quot;,&quot;469769242&quot;:&#091;8226&#093;,&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"4\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Future branches:<\/span><\/b><span data-contrast=\"auto\"> Technology-rich pilots offering smart assistants, immersive demos, and data-driven service trials<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">Each format supports a specific community need, while optimizing costs and reach.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Case in Point: <\/span><\/b><span data-contrast=\"auto\">ING Netherlands closed 90% of its branches. But instead of disappearing, they have redesigned the remaining 10%. The transformed branches have no cash desks or ATMs. Instead, the focus is on advisory appointments. The interiors resemble coffee shops or cozy lounges, making customers feel at ease. As branches were closed, digital service hubs were also launched in cooperation with retail shops to teach customers digital banking.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">The takeaway:<\/span><\/b><span data-contrast=\"auto\"> ING Netherlands successfully separated the transactional from the relational. It digitized the former, and elevated the latter.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<h3><b><span data-contrast=\"auto\">Adopting a retail mindset<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">To succeed in the future, branches need to stop thinking like bankers and start thinking like retailers. The most successful retail environments are built around <\/span><b><span data-contrast=\"auto\">engagement, discovery, and brand storytelling<\/span><\/b><span data-contrast=\"auto\">. From the moment a visitor sees the branch from the street to the moment they walk out the door, every touchpoint should be intentional.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\u25cf\" data-font=\"Noto Sans Symbols\" data-listid=\"6\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Noto Sans Symbols&quot;,&quot;469769242&quot;:&#091;8226&#093;,&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Create intuitive service zones:<\/span><\/b><span data-contrast=\"auto\"> There is no excuse for confusion in a modern branch. Customers should immediately understand what tools are available and how to use them<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\u25cf\" data-font=\"Noto Sans Symbols\" data-listid=\"6\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Noto Sans Symbols&quot;,&quot;469769242&quot;:&#091;8226&#093;,&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Use real-time digital content:<\/span><\/b><span data-contrast=\"auto\"> As well as up-to-date information about general matters, digital content can also be tailored to the individual customer. Someone with an appointment regarding a house loan, for example, can receive information about the different mortgage options available<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\u25cf\" data-font=\"Noto Sans Symbols\" data-listid=\"6\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Noto Sans Symbols&quot;,&quot;469769242&quot;:&#091;8226&#093;,&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Help staff adapt:<\/span><\/b><span data-contrast=\"auto\"> Banking staff need to move beyond a transactional approach. The smartest banks offer training to teach their people how to greet, guide, and advise like expert retail associates<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">By taking these steps and building a new form of banking, the branch becomes a brand experience \u2013 not just a location. Future-ready branches operate with a consultative, education-first mindset. Successful branches are those where customers walk out smarter than when they walked in. It is essential to:<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\u25cf\" data-font=\"Noto Sans Symbols\" data-listid=\"7\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Noto Sans Symbols&quot;,&quot;469769242&quot;:&#091;8226&#093;,&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Train staff to ask thoughtful questions<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\u25cf\" data-font=\"Noto Sans Symbols\" data-listid=\"7\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Noto Sans Symbols&quot;,&quot;469769242&quot;:&#091;8226&#093;,&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Understand life-stage context<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\u25cf\" data-font=\"Noto Sans Symbols\" data-listid=\"7\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Noto Sans Symbols&quot;,&quot;469769242&quot;:&#091;8226&#093;,&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Offer personalized advice<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">The result: stronger relationships, increased trust, and long-term customer value.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<h3><b><span data-contrast=\"auto\">Branch floor plans that drive results<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">Think of your branch as a <\/span><b><span data-contrast=\"auto\">live-action marketing campaign<\/span><\/b><span data-contrast=\"auto\">. With smart design, it becomes a 24\/7 representation of your brand and service model. To ensure success it makes sense to shape and develop five main space types:<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<ol>\n<li aria-setsize=\"-1\" data-leveltext=\"%1.\" data-font=\"\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:0,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:&#091;65533,0&#093;,&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;%1.&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Self-service<\/span><\/b><span data-contrast=\"auto\"> \u2013 for routine transactions<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<\/ol>\n<ol>\n<li aria-setsize=\"-1\" data-leveltext=\"%1.\" data-font=\"\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:0,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:&#091;65533,0&#093;,&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;%1.&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Educate<\/span><\/b><span data-contrast=\"auto\"> \u2013 demos, tutorials, onboarding<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<\/ol>\n<ol>\n<li aria-setsize=\"-1\" data-leveltext=\"%1.\" data-font=\"\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:0,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:&#091;65533,0&#093;,&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;%1.&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Advise<\/span><\/b><span data-contrast=\"auto\"> \u2013 personal finance consultations<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<\/ol>\n<ol>\n<li aria-setsize=\"-1\" data-leveltext=\"%1.\" data-font=\"\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:0,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:&#091;65533,0&#093;,&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;%1.&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"4\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Partner<\/span><\/b><span data-contrast=\"auto\"> \u2013 cross-functional areas or community spaces<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<\/ol>\n<ol>\n<li aria-setsize=\"-1\" data-leveltext=\"%1.\" data-font=\"\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:0,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:&#091;65533,0&#093;,&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;%1.&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"5\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Transact<\/span><\/b><span data-contrast=\"auto\"> \u2013 legacy teller functions, minimized and optimized<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<\/ol>\n<p><span data-contrast=\"auto\">These spaces operate in tandem with cutting-edge technology that can be harnessed to provide customers with a <\/span><b><span data-contrast=\"auto\">rewarding and seamless experience<\/span><\/b><span data-contrast=\"auto\">. From ATMs with video banking to real-time feedback kiosks, the technology exists to transform branches. But it\u2019s not about the tech itself, it\u2019s about using it to deliver care, guidance, and efficiency.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">The key point here is that each piece of tech must directly serve the needs of the customer. Self-service machines reduce queues, while digital check-ins <\/span><b><span data-contrast=\"auto\">personalize the visit<\/span><\/b><span data-contrast=\"auto\">. In addition, intelligent appointment scheduling adds structure to the bank-customer relationship and enables staff to prepare properly for interactions.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Combined, these factors enable staff to focus on what matters: human connection.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<h3><b><span data-contrast=\"auto\">What sales leaders must do<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">Sales managers are the architects of this transformation, providing a link between the demands of the business and the needs of customers. Your job is to:<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\u25cf\" data-font=\"Noto Sans Symbols\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Noto Sans Symbols&quot;,&quot;469769242&quot;:&#091;8226&#093;,&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Redesign training for advisory excellence:<\/span><\/b><span data-contrast=\"auto\"> The more experience someone has of working in front-end retail banking, the more likely it is that they will have a more transaction-based approach. Sales managers need to shift everyone\u2019s mindset towards trusted advice and long-term customer care\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\u25cf\" data-font=\"Noto Sans Symbols\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Noto Sans Symbols&quot;,&quot;469769242&quot;:&#091;8226&#093;,&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Build daily sales rituals around consultative behaviors: <\/span><\/b><span data-contrast=\"auto\">Training is not sufficient, however. It also helps to build up daily good habits that encourage and remind staff of the importance of providing valuable consultation to customers<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\u25cf\" data-font=\"Noto Sans Symbols\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Noto Sans Symbols&quot;,&quot;469769242&quot;:&#091;8226&#093;,&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Set KPIs for relationships and engagement, not just transactions:<\/span><\/b><span data-contrast=\"auto\"> This change must be reflected in the targets set for sales staff. This sends a clear message that trust and relationships are highly valued by the company<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\u25cf\" data-font=\"Noto Sans Symbols\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Noto Sans Symbols&quot;,&quot;469769242&quot;:&#091;8226&#093;,&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"4\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Use CRM tools to prepare for personalized, data-informed conversations:<\/span><\/b><span data-contrast=\"auto\"> Customers now expect customized information. Backed by information from CRM that informs us of the customer\u2019s previous banking history and other useful information, reps can tailor their approach to the individual in front of them<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">This is no longer about selling \u2013 it\u2019s about solving.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<h3><b><span data-contrast=\"auto\">Conclusion: From physical presence to strategic value<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">The digital revolution has instigated one <\/span><b><span data-contrast=\"auto\">crucial shift in banking<\/span><\/b><span data-contrast=\"auto\">: For almost all transactions, it is simply no longer necessary to physically walk into the bank to carry them out. Many aspects of traditional branch operations truly are redundant. But the branch still matters.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">The future of branches is not about presence for its own sake. It\u2019s about being <\/span><b><span data-contrast=\"auto\">present<\/span><\/b><span data-contrast=\"auto\"> where and when it counts. On a global level, it is clear that customers don\u2019t want banks that are just digital. They want banks that are digitally smart, physically trustworthy, and humanly responsive.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Sales managers must help teams embrace this transformation, not as a challenge, but as a <\/span><b><span data-contrast=\"auto\">unique opportunity<\/span><\/b><span data-contrast=\"auto\"> to create deeper, more valuable relationships.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Because in the new world of banking, selling isn\u2019t just about what you offer \u2013 it\u2019s how, where, and why you offer it.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<p><i><span data-contrast=\"auto\">Interested in optimizing your branch operations and sales effectiveness? Meet our consulting service coming soon.<\/span><\/i><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"The branch isn\u2019t disappearing \u2013 it\u2019s being reinvented to improve customer service Over the past two decades, the branch network across the European Union has undergone a dramatic transformation. From a peak of approximately 218,000 branches in 2008, that number declined to just over 129,000 by the last years \u00a0\u2013 a reduction of more than...","protected":false},"author":21,"featured_media":6787,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[57],"tags":[],"class_list":["post-6758","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-resources"],"acf":[],"_links":{"self":[{"href":"https:\/\/linistry.com\/de\/wp-json\/wp\/v2\/posts\/6758","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/linistry.com\/de\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/linistry.com\/de\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/linistry.com\/de\/wp-json\/wp\/v2\/users\/21"}],"replies":[{"embeddable":true,"href":"https:\/\/linistry.com\/de\/wp-json\/wp\/v2\/comments?post=6758"}],"version-history":[{"count":10,"href":"https:\/\/linistry.com\/de\/wp-json\/wp\/v2\/posts\/6758\/revisions"}],"predecessor-version":[{"id":6836,"href":"https:\/\/linistry.com\/de\/wp-json\/wp\/v2\/posts\/6758\/revisions\/6836"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/linistry.com\/de\/wp-json\/wp\/v2\/media\/6787"}],"wp:attachment":[{"href":"https:\/\/linistry.com\/de\/wp-json\/wp\/v2\/media?parent=6758"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/linistry.com\/de\/wp-json\/wp\/v2\/categories?post=6758"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/linistry.com\/de\/wp-json\/wp\/v2\/tags?post=6758"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}