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For his ladies, he kept meticulous text- message records under “dates of message communication,” documenting when he sent a message and when he received one.

And while this is not ideal from a cost perspective, it is still a necessary expense that can be attributed to delivering a superior customer experience. Your bank shouldn’t stop investing in print and mail services, and neither have we.

After one date in February, he noted under the “Initial Date Comments” category: “very jappy; one and done for me.” Other missives included, “Drunkenly hooked up after J****’s birthday party at K-Town karaoke,” and “Conversation still on- going.” None of the ladies scores lower than 7 in the appearance category.

For one date named Liliana, who scored a 9.5, Merkur wrote, “Looks beautiful; from coastal Romania; Chanel make-up artist.” OPINION: REAL MEN CAN CLOSE THE DEAL WITHOUT OPENING EXCEL But after a few conversations and Facebook chats, Merkur noted that her old boyfriend “might be back in the picture.” He made himself another note to call her after she returned from an April trip to Florida.

This is because a PDF, much like a physical paper statement, is a static document.

And while customers might be happy to reduce the clutter in their mailboxes, a PDF in their inbox doesn’t exactly provide the “wow” factor of mobile banking, social payments and other notable digital banking staples.

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