Perhaps the traditional bank model is doomed, and regulators are trying to help it die. (nreionline.com)
We also know that bank models for analyzing credit ratings and other performance factors before approving or denying loans are out of date. (excelcapmanagement.com)
However, the online banking model mostly avoids the heavy cost of maintaining physical branch locations, an advantage online banks leverage into reduced fees for their customers. (valuepenguin.com)