  What don’t we know?   Finally, how should that knowledge, and the limits to it, guide our response to the boom? What do we know about previous booms? I am going to re-use a chart that originated in a research paper by Jonathan Kearns and Christian Gillitzer 1 , with some updating.
Banks have implemented Core Banking Solutions (CBS) which marked a paradigm shift in more senses than one and branch customers are now bank customers as they can access their accounts from any branch for defined purposes. It was envisaged that the CBS would offer new opportunities for information management, better customer service and improved risk management.