A confluence of technology, information, and regulatory changes are placing significant pressure on fees and margins. Retail banks are seeing an erosion of traditional branch-based services, while advisory services by investment banks are becoming a commodity. With the value of customer retention and profit margins being greater than before, firms are turning to Tefen's performance excellence programs to solve a host of challenges. Implmentation of Tefen programs in the retail and investment banks and in insurance companies results in business growth and service level improvement and operational cost reduction.