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Retail banking today is experiencing a significant transformation. Retail Banks are increasingly under pressure, on one hand from new entrants such as retailers, telecoms and insurance providers which are using existing relationships with clients to provide alternative products and channels, thus challenging the standard branch model. On the other hand, financial institution are facing a new economic reality combined with increasing level of regulation. Banks need to re-invent their existing customer service models as well as further optimize critical elements of business such as risk, collections and operations that have a direct significant impact on the bottom line and customer experience.

         
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