Product management has played a part at major banks for 10 to 15 years, in both the retail and wholesale businesses. But after all these years, some product management groups still face organizational and operational problems that interfere with their ability to contribute optimally to business development.

In too many instances, banks have lived with the situation instead of getting to the root of the problem. It is time for banks that are having problems to take a step back, diagnose the causes, and take action.

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