Remove Decentralization Remove Marketing Remove Operations Remove Span of Control
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Excess Management Is Costing the U.S. $3 Trillion Per Year

Harvard Business Review

Operating decisions are almost entirely decentralized. Each branch makes its own loan decisions, sets its own pricing on loans and deposits, controls its own marketing budget, runs its own website (on a shared platform), and serves all customer segments — from individuals to multinationals — within its catchment area.

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