Conclusions and Discussions
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At the beginning of the book we put forward the posit that Spanish retail banks have a clear business model focused on cash flow generation, largely through operational efficiency supported by the strategic use of IT systems. The changing regulatory environment was considered to be the catalyst for the development of such a model, particularly the introduction of competition in a traditionally closed circle of ‘gentlemen bankers’.
KeywordsBusiness Model Operational Efficiency Product Architecture Retail Banking Change Regulatory Environment
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