BLACK CAMEL®

A branch network designed around evolving demand

A location-level perspective on changing customer use of physical banking.

BANKS / ILLUSTRATIVE ENGAGEMENT
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Illustrative engagement · Banks

Illustrative engagements are composite examples showing how we approach this type of work. They do not describe a specific client.

Abstract

A location-level perspective on changing customer use of physical banking.

Fig. 1 — A visual study of evidence and uncertainty.

A regional commercial bank

The question

Branch decisions were being evaluated largely on current transaction volume, overlooking local growth and relationship potential.

Our approach

We integrated local demographics, business density, travel patterns, and branch-level customer behavior.

Methods

Method
Geospatial analysis
Method
Catchment modeling
Method
Customer behavior analysis
Method
Scenario planning

Outcome

The bank could distinguish locations for investment, redesign, or further study with a consistent decision framework.