In numerous ways, the financial services industry continues to experience dramatic changes and increasing complexity.  The lines of distinction between banks, brokerages, investment houses, and insurance carriers continue to blur.  Regulatory requirements are increasing, while geographical barriers are falling. Waves of mergers and acquisitions are creating larger institutions with nationwide or even international footprints.

More than ever, these factors are converging to create renewed and increased pressure for financial services enterprises.  You need to improve your efficiency and lower your costs at every opportunity.