I have picked up over the last 3 years, Citi interest in employing a new model.  Of course every bank wrestles with the extremes of virtual bank versus optimised branches.  The results has been boring so far.  Maybe Citi has something here.  We shall see.

Citi looks to Europe retail revival | ft.com

But, according to people close to the bank, Citiis determined to rebuild a slim network of flagship outlets – mimicking the store model employed by Apple, the technology group – to underpin an operation in key parts of western Europe.