The Wise Marketer: Oregon-based Umpqua Bank has developed a new branch concept that it hopes will change the way consumers interact with retail banks. The new "neighborhood stores" concept integrates bank branches with community elements - such as boutiques and cafes - to offer bank customers a place to browse local merchandise, drink coffee, and find out about community events. The neighborhood stores will also feature a Discover Wall - an interactive, multiscreen display that covers an entire wall of the store. Using in-store product information pieces that contain product-coded RFID tags, the Discover Wall will respond to areas of customer interest with personalized information, and direct customers to more in-depth information and financial tools on nearby tablet PCs and displays.