It is intriguing to see how often individual branches or geographic divisions in a bank have the tendency to re-invent the wheel.
Why would a bank choose different organizational structures and processes in branches or locations? Why should a credit card application, for example, take 60 minutes in one country and just a few minutes in another? Or why are customer payment orders restricted to electronic channels only in some regions while others use a range of channels?
On the one hand, Lean and
