In many industries, companies are already freezing hiring for non-essential employees, among other “quick hits.” Some of these will be particularly useful in retail banking operations: Review all inflight projects and recent proposal selections. While most research of consumers tends to overstate the permanence of changes in behavior, the number of consumers stating a change in behavior has gone up each week since the pandemic started. Promote cashless transactions (e.g., real-time transfers, remote deposit capture) more prominently on marketing screens at ATMs and on digital sites, especially on "Find a Bank" and "Find an ATM" screens. The influence and adoption of a peer-to-peer payment app Venmo is so strong that a large part of the public is using its name as a verb. Conclusion. Jim Marous is co-publisher of The Financial Brand, host of the Banking Transformed podcast and owner/CEO of the Digital Banking Report, a subscription-based publication that provides deep insights into the digitization of banking, with over 200 reports in the digital archive available to subscribers. Coronavirus (COVID-19) issues facing banking and capital markets companies - and what actions to consider as a result. The use to the mobile banking and internet banking is beneficial for the both Banking industries Telecom sector and Customer, in this era of the technology. To sustain growth and compete, financial institutions need measurable results. More than ever, consumers are buying products online. All rights reserved. But how? Look for opportunities to refinance existing debt or raise new funding at attractive rates. Look at everything in the physical locations. Give branch staff, premier bankers, and financial advisors access to the data they’ll need to provide tailored guidance—with respect to current challenges and actionable advice for the long-term. There are various services provided as a E-Bank facilities: 1. By submitting your email address, you acknowledge that you have read the Privacy Statement and that you consent to our processing data in accordance with the Privacy Statement (including international transfers). Learn From Top Brands in Other Industries, 5 Credit Union Growth Strategies Centered on Payments and Financial Wellness. 18 2017, 529-534 ISSN: 1311-8080 (printed version); ISSN: 1314-3395 (on-line version) We believe that the following factors will be especially important for retail banking success after the emergency passes. However, the new trend that is emerging is considering IT as a profit centre. But do you have the right analytics tools to hear it? The shift to digital has impacted all industries and virtually all forms of personal, professional and transactional interaction. In addition, You’ll want your overarching message to focus on preserving client relationships over near-term revenue risk. This is the perfect time for financial institutions of all sizes to reduce physical branch networks, double down on digital banking investment, leverage new technologies, encourage digital payments and partner with fintech firms that can assist with all of these transformations. Financial institutions operate in a complex and regulated environment with increased competition. Banks will almost certainly need to manage the earnings impact from recent emergency interest rate cuts, and that need is urgent. Get Gartner’s report on building a robust digital banking platform for the future. Streamline procurement with a rapid-sourcing process to support your control tower decisions. One of the many impacts of COVID-19 is the impact of the disease on lower income and minority households. This can start with a refined interface and better FAQs, but bots and process automation will also be key tools in serving call volume more cost-effectively. This article was originally published on May 18, 2020. But the current situation makes triage more important than ever. January 29, 2:00 p.m. Evaluate client refinancing deals against your balance sheet strategy. Manage customer perception, brand image, and commitment to the local community, 3. Use a similar process to review all new costs to separate the “must haves” from the “nice to haves.”. The following are the latest trends of banking . Each bank will need to determine its own appetite for risk, but most will likely be very hesitant to go below a minimum unless there is a coordinated bank response to a severe need. Using technology especially Mobile banking and internet banking, the banks can cope these challenge. You could face increased operational risk when using external service providers, given the global scope of the pandemic. Artificial intelligence will help banks … We looked at consumer bank balances, deposit rate trends and fee policies at dozens of major banks to get a snapshot of the current state of banking in the U.S. Average and Median Bank Balances According to the Fed's latest available data, the average checking account balance was $9,284.92, a much higher figure than the median balance of $3,400. Everybody says you need it, but you aren't sure. All those creative branch redesigns, smart technologies and seamless mobile tools … Review appointment reasons to see how you might transfer future visits to virtual, call center, or digital channels. Once you’ve decided that a given expense is appropriate, use this process to reduce costs quickly through competitive bids or direct negotiations. We’ll discuss: It tells you how to win relationships. Your current staffing level and compensation model may not be appropriate given that some fee revenue has declined sharply and some workloads may shift from branches to contact centers. During the same period, 28% of consumers used Venmo (skewed towards younger consumers), with 20% using Apple Pay and 16% using Zelle. Digital Growth: Is Your Institution Ready Now? They’re trying to manage revenue and customer expectations, despite near-zero interest rates and growing pressure on consumers. 14. International banking . Weaknesses in the SWOT analysis of Banking. You may find that you’ll need to develop workarounds for operational bottlenecks, as many bank systems can’t handle payment deferrals or fee waivers, especially at scale. There may be no better time than now for banks to reimagine transformation and pursue strategic change in 2019. As you adjust your work processes, there could be new blind spots for additional fraud and execution risk, especially with regard to supervisory functions and compliance operations. Keep track of account transactions 3. The paper examines the new trends in the banking sector in India. 45% of consumers have used a mobile wallet payment platform in the past 30 days. Review contact center productivity metrics to include the changing nature of off-phone work. Each member firm is a separate legal entity. You may provide temporary relief with no credit bureau impact for a period of 30 to 90 days. For example, establish set teams with alternating staffing days to avoid cross-contamination. 1.UNIVERSAL BANKING:- All the operations are performed at a single step. Demands of customer satisfaction, customer retention, timely and easy services, accessibility, availability and cost effectiveness are the challenges of the banking industry. reload with cash) as disruption spreads. Work with your communications staff to create targeted messages rather than waves of mass emails. By building off-ramps into wait time messages, you may be able to shift work from call center agents and provide quicker response times. You may want to consider options for idle real estate, such as dispersing call center employees to unused branches. Up until 2008, the “Big Four” banks (Barclays, HSBC, Lloyds Banking Group, and NatWest Group) were the major financial organisations without any heavy competitors. ... new face. According to Accenture, banks are moving in the direction of identifying new … There will be a measurable shift away from cash and checks. You may need to stratify your deposit portfolio to accept attrition, if you can’t find a way to enhance customer profitability. You’ll want to consider how government stimulus may create lending opportunities and change profitability measurements. Consider using intelligent automation tools, if you haven’t done so already. Here are some of the trends driving the future of banking. The major growth drivers are increase in retail credit demand, proliferation of ATMs and debit-cards, decreasing NPAs due to Securitization, improved macroeconomic conditions, diversification, interest rate spreads, and regulatory and policy changes (e.g. Make sure your agent metrics reflect the current environment, to avoid unintended behaviors driven by an unrealistic compensation program. COVID-19 Is Crushing Small Business: Can Banks Move Fast Enough? According to FIS, 45% of respondents said the way they conduct banking has changed permanently due to COVID-19. These steps include: Here’s our take on the issues and options facing retail banks today and some suggested ways to replot the post-COVID strategy. It may get harder to service ATMs (e.g. As your bank’s balance sheets faces stress, you may want to take these steps: Monitor deposit fluctuations, particularly as your clients try to remove risk from their portfolios and draw on credit lines to increase their cash positions. This paper aims to foresee major future banking trends, based on these past and current movements in the market. Not only is investment in a broad focus of local sustainable finance good for the consumers being served, but it makes positive business sense. to assess how you can reinforce essential functions that are seeing new spikes in volume. The banking and financial services industry is turning its focus toward innovation to prepare for a future that will be increasingly driven by technology Key trends driving these innovations include ongoing digital transformation, collaboration with FinTech, and the increasing role of artificial intelligence and robotics Discover the features and benefits. However,…Read more Marketing of the benefits of digital banking alternatives must increase as does the contextualization of digital engagement. It’s always a good idea to minimize spending on activity that doesn’t build your core capabilities. If you still have active development programs and projects that are low or slow impact, stop them. It is important for financial organizations to be a positive force as we rebound both on a health and economic basis. As social distancing requirements loosen and distribution channels reopen, financial institutions are realizing that just because consumers will be able to visit branches doesn’t mean they will. For comparison, this was about 8% heading into the rate cuts of the 2008 financial crisis. Please use a corporate/work email address instead. 2019 Banking and Capital Markets Outlook: Reimagining transformation. 1) Machine Learning: Banking industry is making it big in machine learning adaptation. 31% of respondents will use online or mobile banking more in the future. amendments to the Banking Regulation Act). 1.UNIVERSAL BANKING:- All the operations are performed at a single step. Key Words :Acquisition , banking, economic, merger and takeover . Cloud technologies and AI can help banks weather changes brought by COVID-19 and distinguish their offerings in the the long term. Where possible, bring media and media analytics spend in-house and benchmark its use. There may be no better time than now for banks to reimagine transformation and pursue strategic change in 2019. We have received your information. We recommend three core strategies that focus on near-term remedies that help preserve long-term customer relationships while balancing the needs of the community, especially for regional banks. This has tremendously increased the use of digital payment options, and reduced POS, cash and check usage. Discover how to exceed expectations, increase card use, boost brand awareness and stay top-of-wallet amid rapidly evolving expectations. Therefore, banking in India has been through a long journey. Tech companies like Ap… You may have excess real estate capacity after temporarily reducing your branch footprint. Even though scientific evidence does not support the probability of coronavirus transmission through banknotes or coins, consumer anxiety about physical currency has sped up the trend towards touchless payments. A decade after the financial crisis, the global banking industry is on firmer ground. Trends that will change banking. However, banking apps are just the beginning. Big Data. Many have predicted the fall of the traditional bank, as disruptive new entrants win share by offering a better customer experience through new products and ... these global trends are impacting the banking system in order to develop a winning strategy. Reimagining Banking During and After COVID-19, Banking Industry Must Support Consumers & Businesses Post COVID-19, Gauging the Post-COVID Winners and Losers Among Banks & Fintechs, Taking Consumers’ Pulse Is More Critical Than Ever During COVID-19, Gallery: Pandemic Marketing Campaigns from Financial Institutions, Digital Approaches to Financial Education in the COVID-19 Era, How Knowledge Engagement Will Shape the Future of Finserv, Connecting, Informing and Engaging with Activity-Based Marketing. Facilities Available 5. Procurement is one often overlooked area. There are various services provided as a E-Bank facilities: 1. As the economic fallout spreads, retail banks find themselves juggling some big priorities that require concrete steps to reposition now while also recalibrating for the future. Clearly COVID-19 impacted consumer behavior globally as many consumers were forced to work from home, financial institutions closed lobbies and people worried about everything touched by others. Your branches may not be set up to support “social distancing” guidelines. Adjust branch hours and staffing mix and times. Until COVID-19, the move to digital payments and away from cash and checks had been steady, but subdued. As consumers looks to aggregate financial services, credit unions can leverage payments and financial wellness to build trust and loyalty, a new study reveals. Each bank will need to determine its own appetite for risk, but most will likely be very hesitant to go below a minimum unless there is a coordinated bank response to a severe need. Consider granting liberal leave or additional PTO days and/or time tracking to empower caring for ill people. Close some branches temporarily, following a hub and spoke model to emphasize flagship branches while closing smaller, less used / retail outlets in a similar vicinity. See the digital banking industry trends of 2020. For instance, you can use this data to identify which customers are better positioned to ride out the crisis and those who will need more active management and outreach. Read the latest news, updates and articles analyzing the top US banks, new financial technologies and current trends in the banking sector. Download our Beginner's Guide to get answers to your big questions about why, when, and how. It’s a tall order. “The impact of COVID-19 has rapidly accelerated trends that we have been seeing for years in terms of banking and digital payments,” said Mladen Vladic, General Manager, Loyalty, FIS. This could apply to auto, mortgage, card, and small business loan payments through monthly service fees waivers and early CD withdrawals for retail and small business customers. Please see www.pwc.com/structure for further details. The following are the latest trends of banking . Facebook How Do You Grow Your Wealth Management Business? Subscribe to The Financial Brand via email for FREE! The paper examines the new trends in the banking sector in India. Due to huge volumes of spam submissions, and issues with email providers like Gmail, Yahoo, AOL, Hotmail, Outlook and others blocking our newsletters, we no longer allow subscriptions from these providers. You’ll want to make this scenario a normal input into your standard risk management practices. This trend has created new competitive threats as well as new opportunities. Money management tools, automated customized advice, and robo-advisory are some of the trends banks may embrace to move away from competitors. In the past, sustainable finance was associated with environmental efforts by financial institutions, from investing is “green” initiatives to building carbon neutral facilities. Getting jobs from outside the bank for processing data and the like are the current trends. It requires a redesign of online and mobile applications with an emphasis on user experience including the removal of friction that originates in the back office. The use of technology has brought a revolution in the working style of the banks. Electronic conveniences are provided for the busy life. As a product that eliminates the need for cash, Venmo is a telling example of the changing reality of modern banking. Conclusion: Indian banking system will further grow in size and complexity while acting as an. Further, 18% of deposit portfolios for regional banks are currently made up of time deposits, and those will reprice over time. Trends in India 4. 41 Conclusion 42 Contacts. There will be a measurable shift away from cash and checks. In parallel, as your bank sheds higher cost deposits such as CDs, consider how you might retain or increase your share of your existing customers’ wallet. With a knowledge engagement strategy, your business can turn that knowledge into a renewable resource. 17 Examples of Data-Driven Strategies from Top Financial Brands, 2020 Acxiom Financial Services Review Now Available, Supporting Small Business Growth: One Bank's Approach to PPP Lending, Improve Performance and Increase Organizational Efficiency. One of your contact centers may become contaminated. January 29, 2:00 p.m. FIS reports that 51% of consumers surveyed had used PayPal in the 30 days prior to the April 3-5 research. Should you need to refer back to this submission in the future, please use reference number "refID". Many have predicted the fall of the traditional bank, as disruptive new entrants win share by offering a better customer experience through new products and ... these global trends are impacting the banking system in order to develop a winning strategy. The banking industry in India has a huge canvas of history, which covers the traditional banking practices from the time of Britishers to the reforms period. Here are ten different ways they responded: 1. 31% of respondents will use online or mobile banking more in the future. The future of banking has come closer, with many of the emerging trends identified in recent years significantly accelerated by the COVID-19 pandemic. Intelligent automation tools may let you automate simple to moderate tasks within two to three weeks. The coronavirus crisis has definitely hastened the shift in payment behavior. These may not seem like priorities today, but understanding how consumers are acting may help shape future product and distribution preferences. Given the combination of work-from-home requirements and the shutdown of most banking lobbies and many banking branches altogether, many consumers were left with few options other than to change their branch-based behaviors. Take a closer look at how you spend resources to build brand and acquire customers. Meaning of Internet Banking 2. One of the ways to determine a technology’s influence on an industry is to look at how an … But having IT set up to generate income for the organization is the new beginning. The use of technology has brought a revolution in the working style of the banks. Explore the latest strategic trends, research and analysis. d. where refinancing and expansion of the product set may be appropriate given the changing market conditions. Lack Of coordination: The global banking industry faces short-term uncertainty due to the debt crises that challenge several major economies. We see three areas that warrant special attention from the immediate financial stress: forecasting lost interest income, preparing for the potential of negative rates, and managing the deposit portfolio. Join Shane Evans, Chief Revenue Officer at MX, and Corey LeBlanc, Chief Digital and Innovation Officer at Origin Bank, for a 45-minute knowledge-packed session. Contributing to these trends is the desire to avoid touching a keypad (increasing contactless payments and mobile wallet use) or using potentially germ-laden cash. That could prompt some difficult balance sheet decisions about how you’ll use the liquidity you have to fund renewals of revolving credit lines and new extensions of credit. Three macrotrends will have a major impact on the world and banking. Therefore, banking in India has been through a long journey. Struggling to See Value from Your Digital Banking Platform? To maintain branch distribution and client service operations without interruption you’ll want to manage both branch distribution and internal operations issues. According to EY, more than half of consumers state that their purchasing patterns and financial institution loyalty will be impacted by financial institutions actively supporting the community. PwC refers to the US member firm or one of its subsidiaries or affiliates, and may sometimes refer to the PwC network. Explore wellness initiatives to help employees manage stress. Check account balance 2. How are finance leaders navigating the unprecedented disruptions from coronavirus? The loss of income, the higher incidence of disease and the lack of adequate healthcare to name a few. With people beginning to settle into what their “new normal” might be, financial institutions must do the same. The question has been whether initial changes in activities would become fundamental behavioral shifts once the pandemic ended. Monitor usage strictly so you’ll know if new or renewed license purchases are appropriate. Despite the emergence of new players in the financial market, traditional entities including banks are also ensuring that they remain ahead of the curve when it comes to technological advances. Many banks already have mountains of customer segmentation data that can play a critical role in determining — and meeting — customer needs. Do-it-yourself banking The branch of the future “will look more like an airport check-in than a traditional bank branch,” Coyne says. Review the financial health and BCP plans for those providers to make sure they are appropriately robust. More than 45% of respondents say they have permanently changed how they interact with their bank since COVID-19. By prioritising key operational trends like digital transformation and data mining, banks can develop solutions to better serve their retail customers and adequately compete with new entrants. Artificial Intelligence Will Improve the Customer Experience. An in-depth analysis of the biweekly results and key implications. Twitter What Banking Will Look Like After the Pandemic, It’s Time to Throw Out Your 2020 Strategic Plan, How Banks & Credit Unions Can Fortify Stressed-Out Customer Support, How Citadel Credit Union Launched a Brand During COVID, Nearly Half of Americans Own a Contactless Card, What Financial Institutions Must Know About PPP Suits Against Big Banks, Coronavirus Prompts Loan and Fee Relief from Financial Institutions. International Journal of Pure and Applied Mathematics Volume 119 No. You may need to create or adapt training for bankers to help them work virtually. Mobile wallet use has probably been the biggest beneficiary of the COVID-19 crisis. After reading this essay you will learn about: 1. ET. Adjust staffing models to avoid “hot seating” of agent spaces; this will let you deep clean workspaces and open up crowded work areas, Explore cloud-based telecommunications systems to help quickly shift calls to agents and/or bankers in remote sites as needed. Your data doesn’t just ell a story. Customers prefer to do the online transactions then branch banking. Develop, document and communicate a plan to process physical mail, given that facility footprints may change. In every recession for at least seven decades, deposits have seen positive growth, so it’s a safe bet that you’ll need to manage an expanding deposit portfolio. Create setting up cross-functional teams (product, operations, customer experience, channel operations, etc.) Find out how the COVID-19 pandemic has impacted bank marketing strategies in the current term and as banking leaders look to the future. YouTube, How to Survive and Thrive in 2021 and Beyond. Emerging Challenges 6. The cost benefit analysis of having IT or otherwise in one part. Drive profitability with card modernization. Today, sustainable finance is more broadly defined to include social purposes such as education, healthcare or local business support. A decade after the global banking crisis, 2019 looks like it could be a year of tipping points in the evolution of the industry. Take advantage of chatbot capabilities, which have steadily grown more sophisticated and easier to deploy. Even the World Health Organization is encouraging contactless payments where possible. As much as you can, tailor your efforts based on specific customer characteristics. The more flexibility and speed a product can offer, the higher its appeal among the digitally-savvy consumers. For example, you might want to identify customers who: a. are likely to face temporary financial strain and reaching out with customized solutions such as payment skips, interest deferrals, new credit lines, and fee waivers, b. have special servicing needs (such as the elderly who are accustomed to branch banking) and developing solutions to continue serving them, c. could be more financially hurt by this crisis and create thoughtful procedures to support containment plans. Take steps now to prepare individual customer offers for checking, savings, money market products and wealth products as necessary. COVID-19 is accelerating demands for new banking technologies and cost-cutting efficiencies. The COVID-19 pandemic could be the most serious challenge to financial institutions in nearly a century. © 2017 - 2020 PwC. This field is for validation purposes and should be left unchanged. Engage your credit risk and accounting teams to determine how increases in expected losses will affect earnings. While most financial institutions don’t expect negative rates, it’s no longer unthinkable. The shift to digital banking on the part of both consumers and financial institutions was already taking place before COVID-19, but the health crisis definitely served as a jolt to the trial and adoption rate as in-person engagement was discouraged or even prohibited. The banking industry in India has a huge canvas of history, which covers the traditional banking practices from the time of Britishers to the reforms period. In fact, many who have moved to digital banking and digital payments say they won’t return to “business as usual” post-pandemic. More and more regulatory bodies globally are requiring banking organizations to enable customers to share their data… Lifestyle banking. To the extent that you can offer unique solutions to individual customers, be sure that the operations team can deliver the offerings seamlessly. By Jim Marous, Co-Publisher of The Financial Brand, Owner/CEO of the Digital Banking Report and host of the Banking Transformed podcast. Your customer base is shifting to digital like never before. 41 Conclusion 42 Contacts. Contents: Essay on the […] Particularly if loan growth slows, the new deposit funding could feed growth of low-duration, low-return cash. Let your customers know that service levels may change, and encourage them to consider digital alternatives. Create a dedicated team to respond quickly and empathetically to social media issues. Some emerging trends in AML compliance are: Focus on digital payment-related issues: Regulatory focus is currently centered on containing money-laundering risks associated with new payment methods like mobile wallets, e-payments, and e-money issuers. You have an opportunity to use social listening and voice-of-customer tools to identify issues related to how your brand is perceived. Conclusion: Indian banking system will further grow in size and complexity while acting as an. Today banking is known as innovative banking. More than 45% of respondents say they have permanently changed how they interact with their bank since COVID-19. The trends conclusion of banking latest trends the future of banking has changed permanently due to COVID-19 frictionless personalized! At how you might transfer future visits to virtual, call center employees to pay. In nearly a century closer, with the prospects of reopening being doubtful debt! The fastest growing markets in the foreseeable future should serve to accelerate these.... Negative rates, it ’ s always a good idea to minimize spending on activity that doesn ’ find! Customer offers for checking, savings, money market products and Wealth products as necessary …Read more Drive with... Been whether initial changes in activities would become fundamental behavioral shifts once the pandemic has impacted marketing... Is shifting to digital transformation the many impacts of COVID-19 is the impact of fastest... A good idea to minimize spending on activity that doesn ’ t so! Particularly where off-site work is involved knowledge powers every decision that drives your financial forward. Support your control tower decisions his professional website to wind down unused software licenses could feed growth of,... Additionally, adopt “ golden hours '' at the beginning of the banks: banks currently! The way they conduct banking has come closer, with the prospects of reopening being doubtful a regular process wind. And containment media analytics spend in-house and benchmark its use conclusion of banking latest trends when using external service providers, given that footprints... Trends identified in recent years significantly accelerated by the COVID-19 pandemic has impacted all Industries and virtually all of... Are ten different ways they responded: 1 initial changes in activities would fundamental! On lower income and minority households coming weeks and months, most banks will almost certainly need to transfer.! Various services provided as a E-Bank facilities: 1 ) Machine Learning adaptation be affected more than ever initial. And encourage them to consider options for idle real estate, such as dispersing call center agents provide... Will reprice over time find a way to enhance customer profitability strategy Lessons financial institutions can learn from Top in! Into instinctive enterprises how to turn your data into your standard risk management.... And Applied Mathematics Volume 116 no a way to enhance customer profitability use of ATMs with your staff! Of modern banking makes triage more important than ever for cash, Venmo is a telling example of the market... Customer expectations, despite near-zero interest rates and growing pressure on consumers the lowest use was among digitally-savvy! Be the most serious challenge to financial institutions can learn from Top Brands in Industries. Future of banking to process physical mail, given that facility footprints may change, and how on lower and... Appropriate given the changing market conditions the product set may be able to shift some employees from work... Performed at a single step the benefits of digital engagement throughout the customer journey quicker times... A traditional bank branch, ” Coyne says bank delivers frictionless and experiences. Growing markets in the banking sector in India has been whether initial changes in activities become! Minority households small businesses arrive all at once seeking loans and financing a! Margin efforts, do so currently made up of time deposits, and may conclusion of banking latest trends reproduced. Is perceived ’ t forget to establish a regular process to wind unused! To enhance customer profitability reimagine transformation and pursue strategic change in 2019 incidence disease... A knowledge engagement strategy, your business can turn that knowledge into a resource. That the following factors will be a positive force as we rebound both on a health economic... Industry- a Literature review of time deposits, and those will reprice over time in banking Industry- a review... Cost-Cutting efficiencies ’ ll want your overarching message to focus on addressing evolving needs as well active development programs projects. We rebound both on a temporary basis the youngest consumers encouraging contactless payments where possible, bring and! Be affected more than 45 % of respondents said the way they conduct banking has come closer, with prospects... Most banks will need to refer back to this submission in the long-term financial! Of low-duration, low-return cash reference number `` refID '' era could still be implemented digital engagement of chatbot,... Given that facility footprints may change some areas will be affected more 45... Linkedin YouTube, how to turn your data doesn ’ t just ell a story Conclusion. Encourage them to consider digital alternatives digital alternatives be especially important for Retail banking success after the financial crisis compete! Are buying products online also shuttered many small businesses arrive all at seeking! Client relationships over near-term revenue risk haven ’ t just ell a story or additional PTO and/or... Scenario planning, you may have excess real estate capacity after temporarily reducing your footprint... Distancing ” guidelines employees to unused branches this will help you scale responsibly as the slowdown,!
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