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Business change, the Certeco view. Take a look at this.

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US banks forced to hold billions more in extra capital
The Federal Reserve has announced new capital ratios for US banks dictating that banks have to lift their level of equity to total assets to five per cent...

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A Major UK Bank Integrated Two Divisions
When a high street bank wanted to boost its capital ratio the solution was integrating a subsidiary to streamline its business. We were asked to help make sure their customers experienced no service...

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Business Case Series: Best Laid Plans
Much work has been done around the issue of technology project failure. Failure rate estimates range from 10 per cent to a whopping 85 per cent in terms of the corporate tech projects...

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