This paper addresses one of the most serious challenges that banks face. How to deliver their strategic objectives while being hindered by increasingly complex and inflexible business and technology operating models. The opportunity cost is high, particularly when inflexible operating models reduce speed to market and the ability to realize the full potential benefits from scale or acquisitions. IBM outlines in this paper some of the key decisions and actions that banks need to take in their progressive transformation journey illustrated by banking industry examples. By undertaking such a journey, banks will ensure that today's investments are adding value towards a long term vision rather than adding to the complexity of their current operating environment.
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