A bank’s systems should be able to serve the needs of its clients adequately. In any merger, the significant time taken to merge various systems can be seriously detrimental to the ongoing business of the bank.
Implementation of information technology systems is one of the biggest risks for a merged entity, and may have substantial negative impact on all stakeholders if all does not go well. 4.10  Merging of different cultures  The question of different cultures is prevalent in any merger. A “hostile” merger could increase the difficulty of merging the cultures, especially at senior level.