关键词是效率、灵活性、股东价值、商业友好、创造财富、销售、影响力，以及报纸的发行量。

The words that have mattered are efficiency, flexibility, shareholder value, business-friendly, wealth generation, sales, impact and, in newspapers, circulation.

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我们已经讨论了银行降低信息技术成本并同时提高他们的商业灵活性的必要性。

We've talked about the need for banks to both reduce IT costs and also improve their business agility.

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建立灵活的商业模型。

Build flexible business models.

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