La industria de banca personal o de personas se ha expandido a abrir, agencias, sucursales y quioscos a mercados no tradicionales, como lo son supermercados, quioscos en malls, clubs de compra. Ha esto se refiere el termino Branch Banking.

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Note added at 3 hrs (2007-02-16 02:38:47 GMT)
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Branch Banking
Multi-office banking, generally defined as accepting deposits or making loans at facilities away from a bank's home office. Branch banking has gone through significant changes since the 1980s as banks responded to a more competitive nationwide financial services market.
de answers.com

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Note added at 3 hrs (2007-02-16 02:42:07 GMT)
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BRANCH BANKING
The landscape of financial institutions has changed dramatically over the past 10 years. Financial
institutions are looking to improve their delivery of product and service through the most cost-effective
means. Traditional brick and mortar offices are being replaced with convenience centers or in-store
outlets, ATM, telephone banking, Internet and other less expensive options. Additionally, mergers and
acquisitions within the industry have, in some cases, resulted in branch closures and consolidation efforts.

http://www.co.san-diego.ca.us/rtf/publication/CNABanking.pdf