The document discusses a bank's (NBTC) use of Direct Sales Agents (DSAs) to boost revenue. Some key points: 1) NBTC introduced the DSA model in 2007 to increase revenue by 25% and reduce costs by 30%. DSAs accounted for 75% of revenue growth. 2) Issues arose including spiraling incentive costs, high DSA attrition, inappropriate DSA practices, and poor customer satisfaction surveys. 3) The problem was identified as misalignment between the incentive system and the bank's business objectives. 4) The solution is to fix the "broken" incentive system without abandoning the successful DSA model. Recommendations include clarifying objectives, using