Branch consolidation is slowing as banks prioritize relationship growth. Their latest investments address diverging customer needs through tailored experiences, flexible formats, and AI-enhanced banker expertise.

Key Question: How are banks rethinking branch strategy as customer needs, growth priorities, and AI reshape relationship banking?

Key Stat: Digitally acquired bank accounts hold just 35% of the average balances of branch-acquired accounts after two years, per May 2026 Curinos analysis—underscoring the role branches continue to play in building deeper customer relationships.