.........It is not merely the right kind of leadership but also the right size at the start which is critical to deliver optimal execution. Banks need to maintain a balance between creativity and control of risk. The ability to use information and not just technology effectively is an imperative. Banking is information business and as such good quality data is central to any business. Banks are still in love with their management information system, which is essentially backward looking. They can gain immensely by deploying predictive analysis and not just stick to descriptive analysis. Technology and information are two distinct disciplines. New aspects such as data mining can make a huge difference. No business model will succeed without customer focus..........
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