Bankers are struggling to determine how to replace about $12 billion in revenue from fees that regulators have prohibited; what the future means for branches as consumers move to mobile banking; and how to operate in a still-uncertain economy. Industry leaders discussed these questions at an American Banker conference, without settling on answers. "There's a generation coming that's going to use financial products and services differently ... and we have to figure out how to serve them profitably," Citizens Republic Bancorp CEO Cathy Nash said.

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