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The traditional single overdraft fee should be abandoned in favor of a tiered approach – potentially including no fees – to accommodate the distinct customer segments involved.
An analysis of the link between the asset size of banks and the yield they pay on deposits shows that the bigger the bank, the lower the yield.
Timely information about competitor deposit pricing behavior can save a bank substantial interest expense.
In a world of excess deposits, banks must price for quality over quantity, with effective customer segmentation analytics the key to achieving that.
While customers resent paying fees for traditional banking services, they are receptive to paying fees for optional services that improve their financial lifestyles.
Consumers fled most types of CDs in the wake of the financial crisis and are unlikely to favor them again until the economy returns to a more ‘normal’ state.