With changes sweeping through virtually every area of the financial services industry, company executives are scrutinizing the products and services their companies provide and the way in which these offerings are delivered. Increasingly, financial services enterprises are looking across industry lines to companies like Dell and Federal Express as examples of customer-driven value chain innovation, and are exploring how their companies can similarly use technology to invigorate their information-based businesses. This paper describes the critical elements of business transformation, the barriers to change, and the technology that makes the networked financial institution vision possible.
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