Instructions
It was about 20 years ago that most banks typically only used one distribution channel (their branches). However, since that time they have dramatically expanded the number of channels that they use (in person, online, phone, and mobile). Below is a list of common distribution channels for a bank. Answer the following questions regarding your thoughts on how the distribution channels have changed how people do their banking.

Develop a response to the following questions in paragraph format to identify your thoughts on distribution channels in banking.

1. What are some of the banking direct and indirect channels you use most? Why?
2. How have these distribution channels changed the way you do your banking over the last 10 years?
3. In your opinion, which distribution channel from the list above has had the largest impact on consumer behavior? Why?
4. What changes do you think will be made in the future to add/change distribution channels in banking?