Certain facets of business if brought together effectively and managed well, can create an environment of strategic advantage. The evolution of banking: Looking back at banking in the 1980’s, banks were focused primarily on taking deposits and making loans that were delivered via a branch emphasising face to face contact with customers. These customers were relatively unsophisticated and trusted their bankers to act in their best interest. With dramatic advancements in technology, banking customers became increasingly sophisticated, demanding an ever increasing variety of ...