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October 19, 2011


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Therese Torris

Hi Chris, payments make up 30% of the costs in retail banking, but dont't they represent an even larger part of revenues and profit -- meaning they're already more profitable than other products?

Dave Birch

Payments shouldn't be a separate product stream - that's management consultant incrementalism - but a separate business. It's basic 'disruptive analysis' - either disrupt yourselves or the competition will.

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