With increasing competitive pressures driven by globalization, consolidation and regulation, banks need to increase efficiency and enhance service quality. Further, commoditization and disintermediation are shifting the ways products and services are offered and utilized. To remain competitive, bank executives must develop ways to achieve greater efficiencies through consolidation, complexity management, offshoring and outsourcing and effective use of technology. Looking ahead, what will new banking and finance business models look like? Do economies exist for skills, scale and scope? What is the cost of complexity as banks grow through acquisition, expand globally or build out new businesses and customer segments? The Center examines how true long-term efficiencies can be achieved in the insights and research featured below.

	Global Banking & Securities Outlook: 2008 Mid-year Update  Learn about the key issues facing the financial services industries today.
	Perceptions of the Economy: Highlights of a Consumer Survey  Deloitte commissioned a survey from Harris Interactive to gain a better understanding of consumers’ perceptions of the economy and how it impacted their own situations. Find out the results of this survey.
	In Fighting Shape?: A Survey of Cost Improvement Trends from Fortune 500 Companies  Embracing a transformational approach to cost savings with greater focus on strategic, structural improvements can help achieve desired results. Learn ways to choose an effective cost improvement approach for the future.