Will Smayda

speaker

387 appearances 1 recordings 1 series first heard Jul 2026 last heard 21 Jul

Will Smayda’s voice in public audio — every appearance, attributed to the second.

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Recordings per month over the last 12 months — 1 in all, peaking in Jul 2026 with 1.

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Banking Transformed with Jim Marous · Why BofA Is Betting on Branches · 21 Jul 2026 podcast

We look at a community.

We figure out how much we'd like to spend digitally for that community, and then the set of financial centers.

And then we look at the PL of the customer and we can attribute it across wealth, across digital, across the financial center.

And then, of course, we still have our contact centers uh available for our customers that actually wanna wanna use the phone.

So we think about the financial center as part of a

larger kind of web of service as opposed to how you might think of a franchise.

Yep.

You build one, you make it accretive, then you expand to two, then to four, then to eight.

We we think about the the neighborhood, the million clients in Houston.

And do we need a hundred or a hundred and seventeen financial centers to serve the community?

And then, of course, as as everyone does, you look at growth.

Some communities shrink, some grow as jobs move, as people want to be warmer and leave pictures.

Pittsburgh and want to be in Dallas, for example.

So you have to be aware of um kind of the demographics.

But that's how we think about the PL a little differently.

And frankly, how

You look at lower cost to serve digital, higher cost to serve in center, and you make that work.

The bankers.

Um what a what a great story for the 12,000.

The relationship banker role for us is the entry level role to Bank of America.

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