It's got to be significant enough and advantaged enough that it would make a meaningful difference.
More Quotes from Adam Dener:
The whole industry decided it needed some level of diversification. The question is Has anybody made that work.Adam Dener
Look at Starbucks. If I were Starbucks CEO Howard Schultz, I'd be wondering about how to put a bank in my store.
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The entrenched providers today will have to shut and write off that infrastructure as you have the transition from analog to digital. Current entrants in the market have a disconnect in their cost bases that new entrants don't have.
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Retail banking is a distribution game. The models for best practices in distribution are companies like Wal-Mart and the niche retailers.
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The U. S. banks are significantly more profitable than the European banks.
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