Making fake accounts is a pretty obvious solution to increasing cross-selling numbers. I'm sure almost all of the branch employees thought about it, but only so

Making fake accounts is a pretty obvious solution to increasing cross-selling numbers. I'm sure almost all of the branch employees thought about it, but only some actually did it. You get what you measure. You measure account creation, you'll get account creation. You measure legitimate account creation, and it's a different ballgame.