In conjunction with our contribution, clients typically achieve not only a productivity gain of at least 20%, but also realize the benefit of an historically tested method of approaching ongoing process review and improvement.   We actively share our techniques with middle and junior management and commit to transference of the skills involved. We successfully meld an approach to streamlining processes and structures with a focus on the service aspects of the business.   One of our precepts is that cost control and service provision are not conflicting values but two sides of the same "coin".   Both values benefit through better processes, a leaner organization, appropriate and utilized MIS and best use of technology. Our method calls for in-depth understanding of your ways of doing your business.  We come equipped with a deep understanding of Banking and Card operations and learn your specific activities very quickly. Our emphasis on improvement of the detailed day-to-day activities within our client's business makes us unique.   We are different from other consulting organizations in the retention of this specialized focus.   We further believe we are different in that, as a small organization, we are sensitive to our own vulnerability if a client is not fully satisfied with our service.   This creates an intensity and absolute commitment to results beyond any of our competitors' capabilities. We differ, as well, in the following ways: Project output content is designed for the junior managers and individual contributors who are responsible for the actual work.  We don't deliver mushy generalities or "high level" views of the business.   These too often sit on shelves without being implemented. Professional senior business people do the consulting work.   The same people who will discuss with you the goals of the project will also perform the project activities.  No “junior associates” are assigned to learn the business at your expense. We use a group of basic, universally accepted business principles in our consulting philosophy.  We do not simply replicate preconceptions that may have worked in another environment for a different set of reasons.   Each project is a new review with a fresh approach toward improvement specifically for your business. We commit to a quick impact as a result of our participation.    We earn our fee by seeing to it that the client achieves benefits early on in the project life cycle. We want to stay with the project until the benefits are achieved.   Our participation and revisit schedule assures that we are available to continue assistance until the goals of the project are fully realized within reasonable cost considerations. All tasks are performed at your location(s).  Your designated staff participates in all phases and learns the how, what and why of our methods.  We don't develop project documents in private and arrive with unanticipated surprises. Each project has clearly identified stages of activities: Data Gathering.  Through interviews, observations and documentation review, I learn how you do things, your issues and future plans. Analysis.  The data obtained is studied and rationalized for best possible improvement in your environment. Initial Design.  Process, structure and all areas under consideration have summary recommendations developed.  Discussions held with senior management.  Basic agreement on content established. Final Design.  Developing detail and all necessary support for the hundreds of recommendations created.  Presented to and discussed with all affected managers and staff. Implementation.  Implementation plans developed for all areas as a result of acceptance of final design recommendations.  Revisit schedule established for project progress monitoring. Special training is typically included in the projects.  A standard "Managing Change" Program helps all staff understand the dynamics of change in their business. It is also helpful to include the organization specific content of one or more of our existing courses.