Some companies can point to success in reengineering their business, through lower costs and strengthened competitiveness. Unfortunately, many others have come away from multimillion-dollar reengineering efforts disappointed and discouraged.

Reengineering is more than the latest buzzword; it is an important and necessary process. Businesses must streamline to eliminate waste and become more competitive. That's especially true for banks, where the toughest competition has become financial giants such as Merrill Lynch and Fidelity Investments.

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