Long before the value of a cup of joe and an overtly retail-looking environment was conventional banking wisdom, Portland, Ore.-based Umpqua Bank offered its customers coffee and a chat. The bank's sharp-looking branches began popping up in Oregon at the forefront of the experience-design movement after CEO Ray Davis and his team bought into an idea that said, don't be visually boring and support your brand in your branch outlets; the investment will pay off.
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