Retail bank

Hypothetical scenario. The company does not exist, and every figure below is an input chosen to demonstrate the model, not a measurement of any real firm.

Onboarding, credit scoring, fraud review, collections and most of the contact centre move to agents while branches and compliance keep people. A quarter of revenue on a two billion dollar base returns a figure that would fund retraining for the bank's own displaced staff several times over.

Scenario inputs