Transforming Retail Banking Processes: Four Modular Process Models Are Emerging

The document outlines four emerging modular process models for transforming retail banking processes: 1) Horizontally organized model focuses on common customer capture and origination services across home loans, personal loans, and credit cards. 2) Vertically organized model concentrates on product-specific processes for each offering. 3) Predominately horizontally organized model emphasizes common services but also includes some product-specific processes. 4) Predominately vertically organized model focuses on product-specific processes but also includes some shared services.