No one knows better than the generals that the test of a strategy is its execution. When it comes to the critical, emerging core competence of customer and market management, the test is management's ability to energize the troops, impart the knowledge and strategy, provide the tools, develop the troop's skills, and prepare them for the next attack.

In the next five years there will be no greater test of banking's executive management than its ability to develop front-line market competence.

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