Ask three bankers about the value of in-store branches, and you might get four opinions. Moreover, you would swear none of them are even discussing the same business when the conversations are done.

That is how perplexing it is in trying to determine whether bank offices inside supermarkets and other retail stores are smart, low-cost service channels, or are meant for the scrap heap in today's high-tech world in favor of bigger, premium-service branches.

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