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Transforming Retail Banking Processes: Four Modular Process Models Are Emerging
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  • 1. Home loans Personal loans Credit Cards 1) Horizontally organized 2) Vertically organized 3) Predominately horizontally organized 4) Predominately vertically organized Customer capture Product specific Originate Customer capture Close Originate Service Home loans Personal loans Credit Cards Customer Capture + Origination Specific services Product specific Outsourced Transforming Retail Banking Processes: Four Modular Process Models Are Emerging Common services Customer Capture + Origination Home loans Personal loans Credit Cards Product specific Transforming Retail Banking Processes, Opportunities for action in financial services, The Boston Consulting Group, 2004