Among the many factors that contribute to why the bank has limited ability to achieve its goal of retailtainment is that there was no real competitive advantage in Commerce Bank. When Carole Robbins recently switched to Commerce from her previous bank recently acquired by Citibank, she couldn't imagine the reason to switch banks, even after experiencing retailtainment at Commerce. “[Commerce] is a blast from the past: a bank with an old-fashioned approach to service… there's a different attitude here, like we're all in the same boat. But time will tell. Even all restaurants are good at first” (Frei,