| Document Date: 2015-02-15 22:24:16
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Company CIBC / Royal Bank of Canada / Skype / Marketing Risk Consolidating / / Country United States / Canada / Australia / / Event Natural Disaster / Reorganization / / Facility silo Business / / IndustryTerm Online High involvement Less / fewer products / financial products / bank operations / social media / sales tools / higher value products / channels/media / no-frills products / bank / online channels / wealth management / integral systems / customer-centric bank / banking / real estate seminars / rental management software / technology costs / technology providers / internet users / finance / online spending tools / Technology investments / bank replacing core banking platforms / online and mobile services / value chain / mature financial services / car insurance / insurance operations / niche private bank / facing banking / / Organization Centre for the Study of Financial Innovation / Bank of Canada / / Position king / / Technology video conferencing / smartphone / /
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Market dynamics are driving a fundamental shift in banking. Delivering productivity gains through a customer centric lens will be critical to success. Productivity in Australian