Why would a digital bank have branches? (CheBanca! case study)
I just visited with Roberto Ferrari at CheBanca! in Italy. For those who don’t know CheBanca!, it is the digital first bank launched in 2008 by Mediobanca. Mediobanca provides merchant bank services in Italy and had never had a retail bank before. Therefore, it made sense in the post-meltdown digital age to implement a fintech…































