In the first part of this series, we outlined industry factors and macro factors that we believe will define banks' success in the future. In this article, we go into some deeper implications of those factors.

New organizational structures and management skills are required. The old paradigms will not do for banks that adopt the "retailing" orientation. This calls for organizations to be flatter and to put more authority and responsibility in the hands of the employees who have direct contact with customers.

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