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People, rules and responsibility: organisation, regulation and sustainability

Where the value of a new system leaks away

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New to this industry?Start with its one-minute summary: Retail and commercial banking

Adoption of a new client system at a fictional Malaysian bank, six months after launch(relationship managers)

Bar chart: Adoption of a new client system at a fictional Malaysian bank, six months after launch. Values in relationship managers. All relationship managers: 1,200; Trained: 1,080; Log in every week: 864; Use it for every client meeting: 540.

The prompt

Using the chart above: the fictional bank's business case assumed every relationship manager (a banker who looks after a set of clients) would use the new client system fully, adding MYR 20,000 of extra revenue each per year (illustrative). Six months in, the bank says the system "is not working". Measure adoption, find the biggest drop, and put a number on the gap.

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Clarifying questions, with the interviewer's answers

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