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Back Office Scaling

Retail banks remain under permanent competitive pressure, and the ongoing squeeze on margins forces them to review their cost base on a regular basis.

Banks are always looking for ways to improve the quality of customer service without increasing costs. Typical review areas include consumer credit, mortgage loans, card and payment processing, and securities management. In these areas, the high fixed-cost base means that banks have two main routes to achieving cost effective operational excellence: pooling and outsourcing.

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