The New Banking Model


To use the RM more effectively at the branches, I have developed a model combination of classic banking offices and consultancy shared offices.

This new approach would use RM’s (relationship managers) and bank’s sales fore more effectively and go around the branch and visit and/or find new customers.

We are not saying “stop the critical mass of branch organisations”, but we are saying to add a VAS (Value added service) to it.


The power of the new type of representatives are coming from:

– Not depended to a single branch

– Mobile team

– Customers could reach their online agenda

– Shared office zones

– Affect store sizes positively

Please, feel free to comment or share your thoughts.