Citigroup may not lead to enormous cross-selling of mutual funds and insurance products, but who cares?
More often, cross-selling involves such primitive techniques as displaying insurance brochures in bank branches.
The most promising idea for cross-selling retail financial products comes from Travelers' new partner, Citicorp.
The reason this sort of cross-selling is not widespread in financial services is that it is difficult.
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As boss of Travelers' life-insurance business, Mr Carpenter succeeded in promoting the cross-selling of retail financial products.
So, perhaps there is economic incentive, especially if you can factor in customer relationship, up-selling and cross-selling benefits.
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It turns out no one is safe from cross-selling, not even the financial advisors at Morgan Stanley.
Newman sees numerous opportunities for sharing content and cross-selling advertising across various media properties of the combined company.
"We are especially keen to tap their expertise in cross-selling, data mining, strategic marketing and brand building, " says Kwek.
Early results are promising: The cross-selling pipeline is growing, and account planning across generalists and specialists is working well.
As a group, despite Mr Diller's past talk of huge cross-selling opportunities, these businesses have never entirely connected up.
But without a big financial reward, it is hard to make cross-selling work.
Travelers has been one of the few to register much success at cross-selling.
But Switzerland's banking and insurance markets are overcrowded and profit margins are tumbling, suggesting that further cross-selling opportunities are limited.
Karatzas bought a mortgage bank and started cross-selling mutual funds and insurance.
Cross-selling, the strategy of selling multiple financial products to existing customers, has become increasingly popular in the aftermath of the financial crisis.
Traditional IT infrastructure businesses are seeing a maturing industry that, is driving weakness in sales of sales of add-on work and cross-selling.
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In Korea, regulations mostly forbid cross-selling, although the rules may soon change.
Such cross-selling was tricky enough anyway, because many countries, notably America and Britain, require a strict separation of the legal and other professions.
Dell has clearly been seeing success cross-selling Ethernet switching with servers and storage, evidenced by reported results and qualitative commentary from Dell executives.
He told BBC Radio Scotland that the three divisions hade been working independently but there were "cross-selling" and other opportunities through closer co-operation.
Doing more to attract deposits may have other benefits, such as opening up cross-selling opportunities, tightening underwriting controls and retaining customers for longer.
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Its former chairman, Dick Kovacevich, was a zealot about cross-selling products to existing customers and building up multiple relationships with each individual and household.
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It will help Salesforce.com gain additional revenues from the Force.com platform as well as from its core CRM product due to cross-selling by Infor.
There are cross-selling opportunities with some of the specialised financial companies already in Criteria's portfolio, which includes a vehicle-renting firm and a consumer-credit business.
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The subject matter includes general standards issues and cross-selling and mis-selling.
And then there is developing the bank's brand to foster cross-selling.
Moore, who wrote the story in BW, said that banks are going to look for more income from their retail operations and will focus on cross-selling.
True, in the handful of places where the two companies already share offices, the level of cross-selling is two-and-a-half times higher than where they do not.
Third, as far as consumers are concerned, Microsoft can bring product integration and create lots of cross-selling and up-selling opportunities for Windows Live users and Skype users.
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