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Thanks for the feedback - always interesting to hear other perspectives. We see from our customers the challenges are around customer centricity. In many Retail businesses like some of the big UK supermarkets the solutions have been build around building a picture of the customer and being able to beetter underdstand and foresee offers, preferences and purchasing trends that enable them to build affinity, trust and confidence amongst their customers.

This is not the way core banking systemes were developed and mean that Banks are always dealing with multiple systens and 'joining the dots' is not easy'.