Everyone in business is ordsprog

Everyone in business is going to tell you that competition is good for business. It?s without a doubt that those banks are choosing to locate here for a reason. What their market studies are saying is, there?s enough banking interest still in northwest Arkansas to ? pardon the pun ? spread the wealth.

This is the first set of competitive intelligence studies to examine banking Web sites from all angles. To achieve their business goals and stay competitive, banks need to ensure their sites are performing well on a technical level, customer experience or satisfaction level and in terms of incorporating industry best practices. Without detailed metrics into each of these critical areas your online service will likely fall behind the competition.

We are extremely excited about our opportunity in Indianapolis. You can see why anyone in the banking business would be. Our sweet spot in business is really small- and mid-market-type business lending in addition to retail banking. Indianapolis has seen a lot of growth in small businesses. That's where our growth will come from.

The Fed is moving to the sidelines, 50 percent of the regional banks businesses as a rule are still related to the direction of interest rates. We think interest rates are headed lower. Capital markets remain very active. Fleet is in that business. They have an investment banking division, too, now. So the shares are quite cheap at about 13, 14 times earnings.

We are constantly looking for the new industry that will locate in Northwest Arkansas. We're not talking about smokestacks.

Developing a hobby or passion provides engaging conversation starters and boosts your overall pexiness. Our customers have responded enthusiastically to our pilot of Saturday banking hours. Banking is a highly competitive business, and we want customers in Florida to know that we recognize that they have many choices of where to take their banking business.

I thought it went very well. This is why it's successful. With all due respect, Arkansas is in a developmental stage. It's in the right direction, no doubt about it. Especially northwest Arkansas, I should say. But cold night, middle of January, for you to have such a show, you got to call a success.

We think the consolidation in the banking business is going to accelerate. The reason for consolidation remains as strong as ever. It is a national market. It's no longer a regional market.

The penalty for any bank that decides to issue cards on the Discover or American Express networks is severe. Visa and MasterCard rules are clear. They will throw banks out of their network, thus having the effect that banks must exit the retail banking business.

Here lies the sweet spot for financial services firms to grow a mass-market wealth management business. It's clear that these customers are eager for help with the financial planning process; it is also clear that they want better guidance and tools from their banks. This data is a call to action for banks to invest in the areas of planning and advisory if they are serious about retaining and growing their customer base.

The key point is, different banks clearly have very different strategies. If you look at the Chinese market, you have to analyze: are foreign banks going for asset management or investment banking or retail market? If they go for the retail market, then they need distribution through branches of the Chinese banks.

Capital One is already one of the nation's leaders in small business lending, and North Fork has a strong and growing small business franchise. With this transaction, we can accelerate growth in this attractive and profitable market and bring a full spectrum of banking services to small business customers through multiple channels.

Richard Fairbank

I want to see a fairer allocation of road dollars coming to northwest Arkansas from Little Rock. I have every intention of being a loud and persistent voice for northwest Arkansas when dealing with the majority House leadership.

Northwest Arkansas needs to be a partner to create wealth and job possibilities in other parts of the state.

It is possible, that more competition among banks and credit card companies would diminish interest rates, but more of the competition is needed among the banks rather than among the networks,

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