The bank stressed that it had taken on new senior management since the time the problems happened.

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They are imagining and implementing new products, services and management practices that address some of the most complex problems of our time.

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Analyzing customer data also allows banks to spot any potential customer problems, improve management of customer accounts, engage in real-time dialogue with customers, and improve overall customer experience online and over the phone.

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The result is that management spends a large amount of time looking at process improvement ideas, rather than defining broader process and business problems.

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