Identify the forces affecting the American Banking branches. This could include the reduction of physical banking branches and$/$or strategic changes such as reformatting, smaller staffing, and reduction of space.

Specifically address:

How Technology is a major impact

Employee turnover$/$cost

Consumer sentiment

Competitive forces and geography

The impact of risk management on the profitability of banks

An overview of major regulatory initiatives and changes from the Financial Crises forward. Have these added regulations helped or hindered the banking industry and why?

$2007$ to $2009$ Financial Crises: The multiple causes of the financial crisis and panic, such as the housing and bond bubbles, excessive leverage, lax financial regulation, disgraceful banking practices, and abysmal rating agency performance.