Optimism is a fragile thing but it’s growing in the retail banking industry, as reflected in the interviews conducted for this BAI Banking Strategies Executive Report entitled “A Look Ahead to U.S. Retail Banking in 2015,” featuring David. L. Stein, executive vice president and head of consumer and commercial banking at Associated Banc-Corp. And this optimism was seen across the board – at large banks, community banks and solutions providers – albeit tempered by the usual concerns about interest rates, regulation and the economy.

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