Infosys: The new successful bank model will be defined by its focus on value

Currently, most banks are taking a product-centric, competition-based approach to pricing, which is creating clones rather than competitive advantage, and is eating into profitability, rather than building it. That needs to change.

According to a 2011 U.S. Retail Bank New Account Study by a U.S.-based marketing information services firm, fee structures had the least importance in the purchase funnel of customers shopping for a new bank. Low fees came in with a minuscule 4% weightage in the

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