The real  6  BIS central bankers’ speeches  source of competitive advantage in organizations is not merely in technology but in the behaviour of individuals in the organisation where each one of them takes initiative, collaborates, has self confidence, has commitment to himself, to their teams, to their units, and to their organisation.
The challenge before management is to use the vast unused potential in people and make ordinary people produce extraordinary results thereby changing the smell of the workplace. B.  Leveraging technology  A recent article in the Economic Times dated December 27, 2011 detailed how e-governance initiative helped check grass root pension fraud.