Faithful Gonzo readers know that our position on system conversions is that they should be avoided unless absolutely necessary. That said, we maintain that there are times when having the correct system is a matter of necessity – survival, even. Nowhere is this truer than with online banking systems. The virtual branch has not replaced the brick and mortar branch, the virtual branch has been added to brick and mortar as a primary delivery vehicle for banking products and services. In some demographics, the virtual branch is even more important than the brick and mortar.