Today’s financial services marketplace is more complex, faster changing and under greater strain than ever before. regulators continue to demand new protection and reassurance for customers. services must be transacted with even greater rigour and accountability. organisations must adapt quickly to respond to globally competitive pressures and costs.

Banks and building societies have increasingly recognised that in order to achieve these objectives, they need to refocus on their more profitable core activities and extricate themselves from non-core activities which tie up resources and distract the organisation.