If banks are to stay competitive in the near future, they will need to change some of their operating procedures. That’s easier said than done when you’re managing 200,000 people across the country. It’s even harder when that massive work force has been using the same methodologies for years. According to Phin Upham, who recently spoke at the Milken Institute Global Conference, new opportunities are presenting themselves for banks to service large segments of the population traditionally priced out by high interest rates.